Penjelasan Qanun Nomor 11 tahun 2018 tentang Lembaga Keuangan Syariah | Yayasan Advokasi Rakyat Aceh

Summary

The video script discusses the implementation of local regulations in Aceh, particularly regarding the closure of conventional banks due to religious interpretations of banking practices. The speaker defends their constitutional rights as a citizen, arguing that the issue is not about whether interest (riba) is haram, but about the practical challenges faced by residents who still rely on conventional banking. The speaker has raised the issue with various authorities and is actively seeking a resolution to ensure continued access to conventional banking services in Aceh.

Takeaways

• 😀 The speaker emphasizes that everyone has the right to practice their religion and beliefs, including the choice of financial services they use.
• 😀 The core issue is not about Islamic banking or interest (riba), but rather the closure of conventional bank branches in Aceh, which affects citizens' rights.
• 😀 The speaker has accounts in both conventional and Islamic banks and expresses concern over the inconvenience caused by the closure of conventional banks.
• 😀 The closure of conventional bank branches in Aceh has made it difficult for customers to access banking services, especially ATMs and bank statements.
• 😀 The speaker has taken legal action, filing complaints with organizations like Komnas HAM (Human Rights Commission) and the Ministry of Law and Human Rights.
• 😀 The closure of conventional banks is seen as a violation of citizens' rights, particularly for those who still rely on conventional banking services.
• 😀 The speaker argues that the issue of bank interest (bunga) is not universally considered riba, and they personally follow an interpretation that does not view it as such.
• 😀 There is a call for conventional banks to remain in Aceh to serve customers who still need them, even if they are not the major market focus.
• 😀 The speaker highlights the hardship caused by the closure of conventional banks, as it forces customers to travel outside of Aceh to access services.
• 😀 The speaker invites open dialogue and encourages people to engage in discussions via social media or in person at their office to find a solution.

Q & A

What is the main issue addressed in the speaker's statement?

The main issue addressed is the impact of the implementation of Sharia Law (LKS) in Aceh on individuals who still hold conventional bank accounts, particularly the closure of conventional bank branches in Aceh.

How does the speaker justify the closure of conventional banks in Aceh?

The speaker does not justify the closure of conventional banks but highlights the negative impact it has on citizens who rely on those services. The speaker argues that it infringes on their constitutional rights to access banking services.

What is the speaker's stance on the implementation of Sharia Law in Aceh?

The speaker is critical of the way the Aceh government interprets and applies Sharia Law, especially in relation to its effect on those who wish to continue using conventional banking services.

Why does the speaker file lawsuits against certain banks?

The speaker files lawsuits against banks like Mandiri, BCA, and BRI because they closed their branches in Aceh, which the speaker argues causes significant inconvenience to individuals who still hold conventional accounts.

What practical problems does the speaker mention regarding the closure of banks?

The speaker mentions that the closure of conventional banks forces individuals to travel to other regions, like North Sumatra, to access services like ATMs, print bank statements, and resolve issues related to their accounts.

How does the speaker view the concept of riba (usury) in banking?

The speaker acknowledges the Islamic view that riba is haram (forbidden), but personally believes that not all forms of bank interest should be considered riba. The speaker follows a perspective that allows the use of conventional banking services.

What legal actions has the speaker taken regarding the closure of conventional banks?

The speaker has reported the issue to Komnas HAM (National Human Rights Commission), the Directorate General of Human Rights at the Ministry of Law and Human Rights, and the Business Competition Supervisory Commission, and has also filed a lawsuit against the banks.

What does the speaker emphasize as the core issue in this matter?

The core issue, according to the speaker, is not about the religious implications of riba but about the constitutional rights of citizens to access financial services, regardless of whether those services are conventional or Sharia-compliant.

What solution does the speaker propose to resolve the issue with the closure of banks in Aceh?

The speaker proposes that the banks should continue operating in Aceh, even if they do not have a large market share, to ensure that citizens who still hold conventional accounts have access to banking services.

What does the speaker suggest as a way forward for addressing this issue?

The speaker encourages ongoing discussions and correspondence with the government and the public to find a solution, emphasizing that dialogue is necessary to resolve the matter and protect citizens' rights.