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Law of Usury (RIBA) According to Masyarakat Tanpa Riba (MTR): Perceptions, Attitudes, and Movements

Asy-Syari'ah · Vol. 26 No. 1 (2024) · pp. 47–72

DOI
10.15575/as.v26i1.29639
ISSN
2654-5675, 2086-9029
Published
2024-06-30
Publisher
Faculty of Sharia and Law, Sunan Gunung Djati Islamic State University of Bandung
Language
eng
License
creativecommons.org/licenses/by-sa/4.0

Abstract

After the merger, three banks under State-Owned Enterprises (BUMN), namely BNI Syariah, BRI Syariah, and Bank Syariah Mandiri, became Bank Syariah Indonesia (BSI), opening opportunities for the development of Islamic financial institutions in Indonesia. However, according to the Masyarakat Tanpa Riba (Society Without Riba) (MTR), Islamic banks are not much different from conventional banks (BK). Therefore, the focus of this article is the law of usury in the view of the MTR, which is seen in three aspects, namely, the perception, attitude, and movement of the MTR. This paper aims to determine the law of usury from the view of the MTR. This article uses a qualitative research method, which is field research. Data collection techniques used are observation, interviews, and documents. The data analysis technique in this paper uses data condensation, data presentation, and conclusion. The study results show that the MTR is an anti-usury community. MTR can be categorised as a textualist and rigid group (mutasyadidun). The rigid MTR method often implies that Islamic economic development is static and monolithic. The existence of the MTR will be productive if it is read not as a threat but as an auto-criticism against Sharia financial practices that are not yet perfect, highlighting the potential impact of the MTR's perspective on Islamic financial practices.

Keywords

Collaboration network of the authors

40 authors · 93 co-authorship links · 8 across different organisations · showing the 40 most connected

Hover or tap a name to highlight its co-authors. Double-click to open the author's page.

  • Institut Agama Islam Negeri Kerinci
  • Padjadjaran University
  • Sunan Gunung Djati State Islamic University Bandung
  • Universitas Islam Negeri Imam Bonjol Padang
  • Universitas Muhammadiyah Riau
  • Affiliation unknown
  • Different organisations
  • Same organisation
  • Affiliation unknown
  • Thicker line = more joint articles · bigger circle = more articles
Show as table
Co-authorOrganisationJoint articles
Mhd. RasidinInstitut Agama Islam Negeri Kerinci6
Darti BusniAffiliation unknown4
Zufriani ZufrianiAffiliation unknown4
Arzam ArzamAffiliation unknown4
Rahmad SetyawanAffiliation unknown3
Muhamad Taufik KustiawanAffiliation unknown2
Muhamad YusufAffiliation unknown2
Andri NurjamanAffiliation unknown2
Asa’ari Asa’ariAffiliation unknown2
Iwan SetiawanPadjadjaran University2
Imaro SidqiAffiliation unknown2
Raid AlghaniAffiliation unknown2
Abdul RohmanSunan Gunung Djati State Islamic University Bandung1
Ike YulisaUniversitas Islam Negeri Imam Bonjol Padang1
Muhamad Fahrudin YusufInstitut Agama Islam Negeri Kerinci1
Luqyana Azmiya PutriInstitut Agama Islam Negeri Kerinci1
Nurul Salis AlaminInstitut Agama Islam Negeri Kerinci1
Mufti Labib JalaluddinAffiliation unknown1
Eka PutraUniversitas Muhammadiyah Riau1
Alwis AlwisAffiliation unknown1
Yessy GusminalitaAffiliation unknown1
Kesi AfriliaAffiliation unknown1
Ayi Yunus RusyanaAffiliation unknown1
Natardi NatardiAffiliation unknown1
Jafar AhmadAffiliation unknown1
Dudi PermanaAffiliation unknown1
Muhammad Ridha DSAffiliation unknown1
Dimas Indianto S.Affiliation unknown1
Wiji NurasihAffiliation unknown1
Jelisa Awaliyah HumaediAffiliation unknown1
Yusup AzazyAffiliation unknown1
Indah Lestari KusumaAffiliation unknown1
Helmi FitriansyahAffiliation unknown1
Neng Vivie Nurfauziah RukminiAffiliation unknown1
Fadli Daud AbdullahAffiliation unknown1
Hamdan FathurrahmanAffiliation unknown1
HelminaAffiliation unknown1

Affiliations come from OpenAlex; journal OAI-PMH metadata carries none. Authors without an OpenAlex ID are matched by name, which can merge or split people.

Metadata source: OAI-PMH (metadata jurnal) https://journal.uinsgd.ac.id/index.php/asy-syariah/oai, first harvested 7 Nov 2026, last seen 8 Nov 2026.
Original metadata (oai_dc) 
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	<dc:title xml:lang="en-US">Law of Usury (RIBA) According to Masyarakat Tanpa Riba (MTR): Perceptions, Attitudes, and Movements</dc:title>
	<dc:creator>Al-Hakim, Sofian</dc:creator>
	<dc:creator>Witro, Doli</dc:creator>
	<dc:creator>Nurjaman, Muhamad Izazi</dc:creator>
	<dc:subject xml:lang="en-US">Islamic Law</dc:subject>
	<dc:subject xml:lang="en-US">Masyarakat Tanpa Riba (MTR)</dc:subject>
	<dc:subject xml:lang="en-US">Usury</dc:subject>
	<dc:description xml:lang="en-US">After the merger, three banks under State-Owned Enterprises (BUMN), namely BNI Syariah, BRI Syariah, and Bank Syariah Mandiri, became Bank Syariah Indonesia (BSI), opening opportunities for the development of Islamic financial institutions in Indonesia. However, according to the Masyarakat Tanpa Riba (Society Without Riba) (MTR), Islamic banks are not much different from conventional banks (BK). Therefore, the focus of this article is the law of usury in the view of the MTR, which is seen in three aspects, namely, the perception, attitude, and movement of the MTR. This paper aims to determine the law of usury from the view of the MTR. This article uses a qualitative research method, which is field research. Data collection techniques used are observation, interviews, and documents. The data analysis technique in this paper uses data condensation, data presentation, and conclusion. The study results show that the MTR is an anti-usury community. MTR can be categorised as a textualist and rigid group (mutasyadidun). The rigid MTR method often implies that Islamic economic development is static and monolithic. The existence of the MTR will be productive if it is read not as a threat but as an auto-criticism against Sharia financial practices that are not yet perfect, highlighting the potential impact of the MTR's perspective on Islamic financial practices.</dc:description>
	<dc:publisher xml:lang="en-US">Faculty of Sharia and Law, Sunan Gunung Djati Islamic State University of Bandung</dc:publisher>
	<dc:date>2024-06-30</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:type xml:lang="en-US">Peer-reviewed Article</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://journal.uinsgd.ac.id/index.php/asy-syariah/article/view/29639</dc:identifier>
	<dc:identifier>10.15575/as.v26i1.29639</dc:identifier>
	<dc:source xml:lang="en-US">Asy-Syari'ah; Vol. 26 No. 1 (2024): Asy-Syari'ah; 47-72</dc:source>
	<dc:source>2654-5675</dc:source>
	<dc:source>2086-9029</dc:source>
	<dc:source>10.15575/as.v26i1</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://journal.uinsgd.ac.id/index.php/asy-syariah/article/view/29639/pdf</dc:relation>
	<dc:rights xml:lang="en-US">Copyright (c) 2024 Sofian Al-Hakim, Doli Witro, Muhamad Izazi Nurjaman</dc:rights>
	<dc:rights xml:lang="en-US">https://creativecommons.org/licenses/by-sa/4.0</dc:rights>
</oai_dc:dc>