INILAH Resiko TERBESAR Jadi Pegawai Bank, Coba Baca Ini dan RENUNGKAN!

viralterkini - Majelis Ulama Indonesia (MUI), melalui Komisi Fatwa-nya dalam forum Rapat Kerja Nasional dan Ijtima’ Ulama Indonesia, sejak hampir 12 tahun yang lalu tepat pada hari Selasa 16 Desember 2003 telah mengeluarkan fatwa tentang bunga.

Fatwa itu intinya menyatakan bahwa bunga pada bank dan lembaga keuangan lain yang ada sekarang telah memenuhi seluruh kriteria riba. Riba tegas dinyatakan haram, sebagaimana firman Allah SWT:

وَأَحَلَّ اللهُ الْبَيْعَ وَحَرَّمَ الرِّبَا

Allah menghalalkan jual beli dan mengharamkan riba. (QS al-Baqarah [2]: 275).

Karena riba haram, berarti bunga juga haram. Karena itu, sejujurnya tidak ada yang istimewa dari fatwa MUI ini. Bahkan sejatinya, untuk perkara yang segamblang atau qath‘î itu tidaklah diperlukan fatwa, alias tinggal dilaksanakan saja. Artinya, fatwa itu lebih merupakan penegasan saja.

Sebagai penegasan, fatwa ini sungguh penting karena meski jelas-jelas dilarang al-Quran, praktik pembungaan uang di berbagai bentuk lembaga keuangan tetap saja berlangsung hingga saat ini.

Tulisan kali ini akan lebih membahas tentang besarnya dosa riba dan keterlibatan di dalamnya (Tulisan lengkapnya dapat dilihat di buku kami: “Hukum Seputar Riba dan Pegawai Bank” yang diterbitkan Ar-Raudhoh Pustaka).

Dosa Riba

Seberapa besar dosa terlibat dalam riba, maka cukuplah hadits-hadits shahih berikut menjawabnya:

“Satu dirham yang diperoleh oleh seseorang dari (perbuatan) riba lebih besar dosanya 36 kali daripada perbuatan zina di dalam Islam (setelah masuk Islam)” (HR Al Baihaqy, dari Anas bin Malik).

“Tinggalkanlah tujuh hal yang dapat membinasakan” Orang-orang bertanya, apakah gerangan wahai Rasul? Beliau menjawab: “Syirik kepada Allah, sihir, membunuh jiwa orang yang diharamkan Allah kecuali dengan hak, memakan riba, memakan harta anak yatim, melarikan diri waktu datang serangan musuh dan menuduh wanita mu’min yang suci berzina”. (HR Bukhari Muslim)

Terlibat dalam riba (Bunga Bank) adalah termasuk dosa besar, yang sejajar dengan dosa syirik, sihir, membunuh, memakan harta anak yatim, melarikan dari jihad, dan menuduh wanita baik-baik berzina. Naudzubillah. Bahkan apabila suatu negeri membiarkan saja riba berkembang di daerahnya maka sama saja ia menghalalkan Allah untuk mengazab mereka semua.

“Apabila riba dan zina telah merajalela di suatu negeri, maka rakyat di negeri itu sama saja telah menghalalkan dirinya dari azab Allah” (HR. Al Hakim)

Pertanyaannya, jika Bank itu diharamkam karena Riba, lalu bagaimanakah hukum bagi orang yang bekerja di dalamnya (pegawai Bank)?

Hukum Menjadi Pegawai Bank Konvensional

Telah sampai kepada kita hadits riwayat Ibnu Majah dari jalan Ibnu Mas’ud dari Nabi SAW:

“Bahwa beliau (Nabi SAW) melaknat orang yang makan riba, orang yang menyerahkannya, para saksi serta pencatatnya.” (HR. Bukhari Muslim)

Jabir bin Abdillah r.a. meriwayatkan:

“Rasulullah melaknat pemakan riba, yang memberi makan dengan hasil riba, dan dua orang yang menjadi saksinya.” Dan beliau bersabda: “Mereka itu sama.” (HR. Muslim)

Ibnu Mas’ud meriwayatkan:

“Rasulullah saw. melaknat orang yang makan riba dan yang memberi makan dari hasil riba, dua orang saksinya, dan penulisnya.” (HR. Ahmad, Abu Daud, Ibnu Majah, dan Tirmidzi)

Sementara itu, dalam riwayat lain disebutkan:

“Orang yang makan riba, orang yang memben makan dengan riba, dan dua orang saksinya –jika mereka mengetahui hal itu– maka mereka itu dilaknat lewat lisan Nabi Muhammad saw. hingga han kiamat.” (HR. Nasa’i)

Dari hadits-hadits ini kita bisa memahami bahwa tidak diperbolehkan untuk melakukan transaksi ijarah (sewa/kontrak kerja) terhadap salah satu bentuk pekerjaan riba, karena transaksi tersebut merupakan transaksi terhadap jasa yang diharamkan.

Ada empat kelompok orang yang diharamkan berdasarkan hadits tersebut. Yaitu; orang yang makan atau menggunakan (penerima) riba, orang yang menyerahkan (pemberi) riba, pencatat riba, dan saksi riba. dan saat ini jenis pekerjaan tersebut merupakan pekerjaan yang membanggakan sebagian kaum muslimin serta secara umum dan legal (secara hukum positif) di kontrak kerjakan kepada kaum muslimin di bank-bank atau lembaga-lembaga keuangan dan pembiayaan.

Berikut adalah keempat kategori pekerjaan yang diharamkan berdasarkan dalil-dalil
yang disebutkan diatas:

1. Penerima Riba.
Penerima riba adalah siapa saja yang secara sadar memanfaatkan transaksi yang menghasilkan riba untuk keperluannya sedang ia mengetahui aktivitas tersebut adalah riba. Baik melalui pinjaman kredit, gadai, ataupun pertukaran barang atau uang dan yang lainnya, maka semua yang mengambil atau memanfaatkan aktivitas yang mendatangkan riba ini maka ia haram melakukannya, karena terkategori pemakan riba. Contohnya adalah orang-orang yang melakukan pinjaman hutang dari bank atau lembaga keuangan dan pembiayaan lainnya untuk membeli sesuatu atau membiayai sesuatu dengan pembayaran kredit yang disertai dengan bunga (rente), baik dengan sistem bunga majemuk maupun tunggal.

2. Pemberi Riba.
Pemberi riba adalah siapa saja, baik secara pribadi maupun lembaga yang menggunakan hartanya atau mengelola harta orang lain secara sadar untuk suatu aktivitas yang menghasilkan riba. Yang termasuk dalam pengertian ini adalah para pemilik perusahaan keuangan, pembiayaan atau bank dan juga para pengelolanya yaitu para pengambil keputusan (Direktur atau Manajer) yang memiliki kebijakan disetujui atau tidak suatu aktivitas yang menghasilkan riba.

3. Pencatat Riba.
Adalah siapa saja yang secara sadar terlibat dan menjadi pencatat aktivitas yang menghasilkan riba. Termasuk di dalamnya para teller, orang-orang yang menyusun anggaran (akuntan) dan orang yang membuatkan teks kontrak perjanjian yang menghasilkan riba.

4. Saksi Riba.
Adalah siapa saja yang secara sadar terlibat dan menjadi saksi dalam suatu transaksi atau perjanjian yang menghasilkan riba. Termasuk di dalamnya mereka yang menjadi pengawas (supervisor).

Sedangkan status pegawai bank yang lain, instansi-instansi serta semua lembaga yang berhubungan dengan riba, harus diteliti terlebih dahulu tentang aktivitas pekerjaan atau deskripsi kerja dari status pegawai bank tersebut.

Apabila pekerjaan yang dikontrakkan adalah bagian dari pekerjaan riba, baik pekerjaan itu sendiri yang menghasilkan riba ataupun yang menghasilkan riba dengan disertai aktivitas lain, maka seorang muslim haram untuk melaksanakan pekerjaan tersebut, semisal menjadi direktur, akuntan, teller dan supervisornya, termasuk juga setiap pekerjaan yang menghasilkan jasa yang berhubungan dengan riba, baik yang berhubungan secara langsung maupun tidak. Sedangkan pekerjaan yang tidak berhubungan dengan riba, baik secara langsung maupun tidak, seperti juru kunci, penjaga (satpam), pekerja IT (Information Technology/Teknologi Informasi), tukang sapu dan sebagainya, maka diperbolehkan, karena transaksi kerja tersebut merupakan transaksi untuk mengontrak jasa dari pekerjaan yang halal (mubah). Juga karena pekerjaan tersebut tidak bisa disamakan dengan pekerjaan seorang pemberi, pencatat dan saksi riba, yang memang jenis pekerjaannya diharamkan dengan nash yang jelas (sharih).

Yang dinilai sama dengan pegawai bank adalah pegawai pemerintahan yang mengurusi kegiatan-kegiatan riba, seperti para pegawai yang bertugas menyerahkan pinjaman kepada petani dengan riba, para pegawai keuangan yang melakukan pekerjaan riba, termasuk para pegawai panti asuhan yang pekerjaannya adalah meminjam harta dengan riba, maka semuanya termasuk pegawai-pegawai yang diharamkan, dimana orang yang terlibat dianggap berdosa besar, karena mereka bisa disamakan dengan pencatat riba ataupun saksinya. Jadi, tiap pekerjaan yang telah diharamkan oleh Allah SWT, maka seorang muslim diharamkan sebagai ajiir di dalamnya.

Semua pegawai dari bank atau lembaga keuangan serta pemerintahan tersebut, apabila pekerjaannya termasuk dalam katagori mubah menurut syara’ untuk mereka lakukan, maka mereka boleh menjadi pegawai di dalamnya.

Apabila pekerjaan tersebut termasuk pekerjaan yang menurut syara’ tidak mubah untuk dilakukan sendiri, maka dia juga tidak diperbolehkan untuk menjadi pegawai di dalamnya. Sebab, dia tidak diperbolehkan untuk menjadi ajiir di dalamnya. Maka, pekerjaan-pekerjaan yang haram dilakukan, hukumnya juga haram untuk dikontrakkan ataupun menjadi pihak yang dikontrak (ajiir).

Selain itu juga Allah SWT mengharamkan kita untuk melakukan kerjasama atau tolong-menolong dalam perbuatan dosa.

وَلاَ تَعَاوَنُوا عَلَى الإِثْمِ وَالْعُدْوَانِ وَاتَّقُوا اللَّهَ إِنَّ اللَّهَ شَدِيدُ الْعِقَابِ

“Dan jangan tolong-menolong dalam berbuat dosa dan pelanggaran. Dan bertakwalah kamu kepada Allah, sesungguhnya Allah amat berat siksa-Nya.” (QS. al-Maidah: 02)

Wallahu’alam

Note : Jika sudah tahu dan sudah baca, share ke saudaramu yang lain, agar terselamatkan dari dosa riba. Tugas kita hanya menyampaikan dan berdo'a agar mereka diberi hidayah. Semoga kita semua selalu mendapat hidayah dari Allah. Aamiin





Sumber : buzzthrendzz.blogspot.co.id

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