Nowadays, the Islamic
business or as-known-as shariah business become more popular.Even, many
manufactures and company has been change their system into this one.Because of
the highly demand, some company make some produt with shariah economy as a
basis, like assurance, bank,etc.Even, there is a rumour that in the future, the
world will completely leave convesional economy
behind and use shariah business.What is shariah business ?And, why is
shariah economy become more popular?Is it true that the method give more
benefits than the convesional?Let’s try to expose and find the answer then..
Economy,the mainly
human do for their sake’s in order to struggle to life.Economy is a social
studies which studies the activities that related with production and consumtion
to goods and services.As effort, people must do economic activity so that they
can have interest.In Islamic economy or Islamic business have a base; Koran and
hadis.This is the difference between Islamic business and convesional business.
Islamic business refers to the body of Islamic studies literature that
"identifies and promotes an economic order that conforms to Islamic
scripture and traditions," and in the economic world an interest-free Islamic banking system, grounded in Sharia's condemnation of interest (riba). The literature has been developed
"since the late 1940s.The central features of Islamic economic literature
have been summarized as the following: "behavioral norms" derived
from the Quran and Sunna, zakat tax as the basis of
Islamic fiscal policy, and prohibition of interest. The halalan tayyiba principle is one of the shari’ah rule intended to protect the decency
of human life as to promote best dietary habit granted by Allah SWT.This
principle has been practiced openly and with full awareness by Sabasun. Although incurring loss and with reduced profit
at the beginning but in the end, Sabasun management has managed to break even
and made profit by focusing on existing products and continuously become the
customers focal point.
Based on a journal written by Lim and Lisa, “Singapore Budget”, In Singapore, a new enhanced-tier FSI award, FSI-Islamic finance (FSI-IF), will be introduced to grant a 5% concessionary tax rate on eligible income from qualifying Shariah-compliant lending and related activities (financing activities permissible under Islamic law), as well as fund management and other investment advisory activities, subject to conditions. The incentive is subject to application and approval. The approval period is from April 1,2008, to March 31, 2013. This is intended to encourage banks to offer Islamic financing and increase Singapore's competitiveness vis-à-vis other countries that are trying to become an Islamic financial hub (e.g., Malaysia). Further, U.S. banking groups that are considering setting up an Islamic financial center to tap into the increasing pool of "petro dollars" in the Middle East may consider Singapore.
Singapore
has irested to applied shariah busiess slowly.Because, The enhancement of
existing incentives for the financial services industry is aimed at
strengthening Singapore's attractiveness as a location for a regional financial
center. The budget is expected to offer more flexibility to U.S.-based
financial institutions, hedge funds, and private equity funds in their
investment strategies and increase the potential range of product offerings by
U.S.-based financial institutions.That means Singapore trust this system will
make benefits, especially because of the main fundamental of shariah business,
cause benefit to each other.Besides, the process in shariah business is more open-ended
and clean than the convesional.It’s also true that this is used because of its
contribute more for tax in country.Based on Islamic rules, we must obedient to
ulil amri or government.
The
process of Shariah business prohibit Riba and use the money from unknown
source.This is mainly because, something haram will only make distortion and
annoyance the process in next step because people just thinking about money,
money, and benefits.Then, that process is none other than convesional business.In
konvesional, the purity and halalan tayyiban process doesn’t consisted.That
makes people whose mixed up with this does’nt care about the other business or
about their competitor.Then, many of them use tricky methods or dropping over
each other.Or, if the company is clean and have’nt that attitude, in their
process business there are’nt estimate for zakat, infaf or prepare poor box to
help other people.They mostly use money just for their sake’s and the benefits
will be given to the owner.In shariah business, there are some part of the
money that must given to poor people.This makes the difference.Because, in
islam, money and wealth like water, flow.Flow, like a flowing spring, so that
the property we have won’t be bad and keep clean.Because, we should’t treasuring
up wealth if unnecessary.
Comparing conventional and Islamic banks and controlling
for other bank and country characteristics, there are few significant differences in business
orientation, efficiency, asset quality, or stability. While Islamic banks seem
more cost-effective than conventional banks in a broad cross-country sample,
this finding reverses in a sample of countries with both Islamic and
conventional banks. However, conventional banks that operate in countries with
a higher market share of Islamic banks are more cost-effective but less stable.
There is also consistent evidence of higher capitalization of Islamic banks and
this capital cushion plus higher liquidity reserves explains the relatively
better performance of Islamic banks during the recent crisis.
Shariah business have the
halalan tayyiba concept as base of the process according to Koran and sunna.The
halalan tayyiba concept must be understood integratively by way of its’
internal and external aspect. It is important that this concept be absolutely
understood as it is a standard to measure quality of consumerism. It has to be applied in the field of
consumerism by all parties involved whether it is consumer, government,
manufacturer, supplier or businessman.
However, there are not many of those in the production or manufacturing
business are giving consideration to it. From marketing point of view, Sabasun
has single handedly introduced a few distintive steps in boycoting products
from Israel and the United States of America in retaliation / consideration of
injustice to the Palestinian especially and to
the Muslim countries in general such as Iraq and Afghanistan by limiting
the shelf space and choosing not to offer or sell those products all together
even though they are commonly available in the market. Resulted from a sense
of brotherhood, struggle and reliance on
Allah SWT, Sabasun has taken a risk that will not be taken by any other big
scale hypermarket retailer. Thus, the concept of halalan tayyiba has been in
practice in full speed (the maximum) at the Sabasun premise and it can serve as
a model to other businessmen who have similar aspiration.
Referensi:
· 1.Law, Guf.”
Companies in
Islamic (Shariah) Law”http://gulf-law.com/uaecolaw_shariah.html(diakses
tanggal 23 September 2012).
· 2.Haribest,.“Shariah
Business.”http://bintersyari.com/indonesia/2011/07/hello-world.html( diakses
tanggal 23 September 2012).
· 3.Warga, warta.”Bank Syariah dan Bank
Konvesional”http://wartawarga.gunadarma.ac.id/2012/05/bank-syariah-dan-bank-konvensional/(diakses
tanggal 24 September 2012).
· 4.Febianto, Irawan.” Shariah Compliant
Model of Business Entities”http://papers.ssrn.com/sol3/papers.cfm?abstract_id=1891024
diakses tanggal 24 September 2012).
