Ketidakpedulian pada Praktik Riba: Penggunaan “Epistemologi Ketidaktahuan” untuk Memahami Perilaku Nasabah Perbankan Umum Konvensional
Abstract
This research seeks to elaborate on using the epistemology of ignorance to understand the phenomenon of conventional general banking customer behavior. This descriptive research is based on quantitative data and then explored qualitatively. Quantitative data was collected by questionnaire from 46 participants. Apart from questionnaires, data was also obtained by interviews. Data from the interviews were used to deepen the qualitative analysis. The research results show that choosing not to become a Sharia banking customer is a phenomenon that the epistemology of ignorance can explain. A person who believes that bank interest is included in the usury category but is reluctant to become a Sharia banking customer, one of the reasons is because he is hiding behind an epistemology of ignorance. They exploit ignorance as a resource that allows knowledge to be distorted, obscured, hidden, or magnified. Ignorance becomes a strategy to avoid, hide, or make knowledge about usury unreliable. They know that bank interest is included in the category of usury and realize that usury is prohibited, but they pretend not to know and ignore their knowledge.
References
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Mikulak, M. (2021). For Whom is Ignorance Bliss? Ignorance, Its Functions and Transformative Potential in Trans Health. Journal of Gender Studies, 30(7), 819–829. https://doi.org/10.1080/09589236.2021.1880884
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Otoritas Jasa Keuangan. (2023b). Statistik Perbankan Syariah - Mei 2023. https://ojk.go.id/id/kanal/syariah/data-dan-statistik/statistik-perbankan-syariah/Pages/Statistik-Perbankan-Syariah---Mei-2023.aspx
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Qardhâwy, Y. (2013). Al-Halal wa al-Haram fi al-Islam. Islamic Book Trust.
Rudy-Hiller, F. (2023). Moral Ignorance and the Social Nature of Responsible Agency. Inquiry, 66(5), 821–848. https://doi.org/10.1080/0020174X.2019.1667871
Saeed, A. (1996). Islamic Banking and Interest. A Study of Prohibition of Riba and its Contemporary Interpretation. Brill.
Sari, D. N., Siswanto, Maksum, I., Abdani, F., Khan, R. B. F., Retnasih, N. R., & Setiani1, M. (2023). Determinant of Consumer Decision on Islamic Banking. EL DINAR: Jurnal Keuangan Dan Perbankan Syariah, 11(1), 115–135.
Shaikh, S. A. (2023). Some Observations on Contemporary Financial Proposals. International Journal of Ethics and Systems, 39(2), 464–480. https://doi.org/10.1108/IJOES-03-2021-0067
Stevens, E. (1974). The Morals Game. Paulist Press.
Steyn, M. (2012). The Ignorance Contract: Recollections of Apartheid Childhoods and the Construction of Epistemologies of Ignorance. Identities, 19(1), 8–25. https://doi.org/10.1080/1070289X.2012.672840
Sudarwati, & Yani, B. A. (2021). Analysis of Customer’s Decision to Choose Sharia Banking in Surakarta. Journal of Islamic Economic Laws, 4(1), 61–77.
Suganda, A., Soleh, M., & Triani, N. (2022). Conventional Banking Customers’ Understanding of Riba in Conventional Banking and Aqad Practices in Sharia Banking. Economic Syari’ah, 4(1), 31–42.
Varenne, H. (2007). Difficult Collective Deliberations: Anthropological Notes Toward a Theory of Education. In Teachers College Record (Vol. 109, Issue 7, pp. 1559–1588). Teachers College, Columbia University.
Varenne, H. (2009). Conclusion: The Powers of Ignorance on Finding Out What to Do Next. Critical Studies in Education, 50(3), 337–343. https://doi.org/10.1080/17508480903161953
Yusoff, Z. (2017). Direct Quranic Quotation Methods in Kitāb Al-Kifāyah and Kitab Risalah Fi Bayan Hukm Al-Bay’ Wa Al-Riba: A Comparative Study. Pertanika Journal of Social Sciences and Humanities, 25(1), 23–32. https://www.scopus.com/inward/record.uri?partnerID=HzOxMe3b&scp=85036663857&origin=inward
Abdul Khir, M. F. (2016). Bilateral Rebate (Ibra’ Mutabadal) in Islamic Banking Operation: A Critical Appraisal. International Journal of Islamic and Middle Eastern Finance and Management, 9(3), 435–452. https://doi.org/10.1108/IMEFM-07-2015-0085
Abidin, Z., Ilyas, M., & Hasaroh, S. (2022). Customer Perceptions of Conventional Banking on Riba and Sharia Banking Products in Bekasi City. Islamic Economy Review, 4(2), 198–210.
Anuar, A., & Xin Ying, C. (2023). The Ignorance of Hypervigilance: Agnotology and Halal along the Belt and Road. Review of International Political Economy, 30(1), 1–24. https://doi.org/10.1080/09692290.2023.2231965
Azmat, S., Bhatti, A., & Hassan, M. K. (2021). Understanding “Riba” (Interest): the Religious and the Rational. Emerald Emerging Markets Case Studies, 11(3), 1–11. https://doi.org/10.1108/EEMCS-08-2020-0288
Benaicha, M. (2020). An Analysis of the Normative Parameters of Reward and Risk in Islamic Finance. ISRA International Journal of Islamic Finance, 12(3), 303–323. https://doi.org/10.1108/IJIF-07-2019-0100
Chapra, M. U. (2006). Why has Islam Prohibited Interest. In A. Thomas (Ed.), Interest in Islamic Economics Understanding Riba (pp. 96–111). Routledge.
Creswell, J. W., & Plano, V. L. (2017). Designing and Conducting Mixed Methods Research. Sage Publications.
Croissant, J. L. (2014). Agnotology: Ignorance and Absence or Towards a Sociology of Things That Aren’t There. Social Epistemology, 28(1), 4–25. https://doi.org/10.1080/02691728.2013.862880
DataIndonesia.Id. (2023). Mayoritas Penduduk Indonesia Beragama Islam pada 2022. https://dataindonesia.id/varia/detail/mayoritas-penduduk-indonesia-beragama-islam-pada-2022
Davies, W., & McGoey, L. (2012). Rationalities of Ignorance: On Financial Crisis and the Ambivalence of Neo-Liberal Epistemology. Economy and Society, 41(1), 64–83. https://doi.org/10.1080/03085147.2011.637331
Devine, N. (2023). Lessons from History: Agnotology and the Crown. Educational Philosophy and Theory, 55(11), 1197–1199. https://doi.org/10.1080/00131857.2021.1915762
Dewi, M. K., & Ferdian, I. R. (2021). Enhancing Islamic Financial Literacy through Community-based Workshops: A Transtheoretical Model. Journal of Islamic Accounting and Business Research, 12(5), 729–747. https://doi.org/10.1108/JIABR-08-2020-0261
Doerr, N. M. (2009). Introduction: Knowledge, Ignorance, and Relations of Dominance. Critical Studies in Education, 50(3), 289–294. https://doi.org/10.1080/17508480903125388
El‐Rehim Mohamed Al‐Kashif, A. (2009). Shari’ah’s Normative Framework as to Financial Crime and Abuse. Journal of Financial Crime, 16(1), 86–96. https://doi.org/10.1108/13590790910924993
El Kassar, N. (2018). What Ignorance Really Is? Examining the Foundations of Epistemology of Ignorance. Social Epistemology, 32(5), 300–310. https://doi.org/10.1080/02691728.2018.1518498
Gunn, P. (2015). Looking But Not Seeing: The (Ir)relevance of Incentives to Political Ignorance. Critical Review, 27(3–4), 270–298. https://doi.org/10.1080/08913811.2015.1111672
Khallaf, A. W. (1989). Ilmu Ushul Al-Fiqh. Dakwah Islamiyah Syabab Al-Azhar.
Knudsen, M., & Kishik, S. (2022). Multiplying Ignorance, Deferring Action: Dynamics in the Communication of Knowledge and Non-Knowledge. Social Epistemology, 36(3), 344–359. https://doi.org/10.1080/02691728.2022.2036858
Mariono, J. (2023). Determinants of Customers in Selecting Sharia Banking System for Saving in East Java - Indonesia. Journal of Economics, Business, & Accountancy, Ventura (JEBAV), 16(3), 457–472.
Maududi, A. al’A’la. (1989). Al-Riba. Dar al-Fikr.
McHugh, N. (2005). Telling Her Own Truth: June Jordan, Standard English and the Epistemology of Ignorance. In V. K. M. Grebowicz (Ed.), Still Seeking an Attitude. The PhilPapers Foundation.
Mikulak, M. (2021). For Whom is Ignorance Bliss? Ignorance, Its Functions and Transformative Potential in Trans Health. Journal of Gender Studies, 30(7), 819–829. https://doi.org/10.1080/09589236.2021.1880884
Miller, D. J. (2019). Circumstantial Ignorance and Mitigated Blameworthiness. Philosophical Explorations, 22(1), 33–43. https://doi.org/10.1080/13869795.2018.1495752
Omar Farooq, M. (2012). Exploitation, Profit and the ‐Interest Reductionism. International Journal of Islamic and Middle Eastern Finance and Management, 5(4), 292–320. https://doi.org/10.1108/17538391211282818
Otoritas Jasa Keuangan. (2023a). Statistik Perbankan Indonesia - Mei 2023. https://ojk.go.id/id/kanal/perbankan/data-dan-statistikMei-2023.aspx
Otoritas Jasa Keuangan. (2023b). Statistik Perbankan Syariah - Mei 2023. https://ojk.go.id/id/kanal/syariah/data-dan-statistik/statistik-perbankan-syariah/Pages/Statistik-Perbankan-Syariah---Mei-2023.aspx
Proctor, R. N., & Schiebinger, L. (2008). Agnotology: The Making and Unmaking of Ignorance (R. N. Proctor & L. Schiebinger (eds.)). Stanford University Press.
Qardhâwy, Y. (2013). Al-Halal wa al-Haram fi al-Islam. Islamic Book Trust.
Rudy-Hiller, F. (2023). Moral Ignorance and the Social Nature of Responsible Agency. Inquiry, 66(5), 821–848. https://doi.org/10.1080/0020174X.2019.1667871
Saeed, A. (1996). Islamic Banking and Interest. A Study of Prohibition of Riba and its Contemporary Interpretation. Brill.
Sari, D. N., Siswanto, Maksum, I., Abdani, F., Khan, R. B. F., Retnasih, N. R., & Setiani1, M. (2023). Determinant of Consumer Decision on Islamic Banking. EL DINAR: Jurnal Keuangan Dan Perbankan Syariah, 11(1), 115–135.
Shaikh, S. A. (2023). Some Observations on Contemporary Financial Proposals. International Journal of Ethics and Systems, 39(2), 464–480. https://doi.org/10.1108/IJOES-03-2021-0067
Stevens, E. (1974). The Morals Game. Paulist Press.
Steyn, M. (2012). The Ignorance Contract: Recollections of Apartheid Childhoods and the Construction of Epistemologies of Ignorance. Identities, 19(1), 8–25. https://doi.org/10.1080/1070289X.2012.672840
Sudarwati, & Yani, B. A. (2021). Analysis of Customer’s Decision to Choose Sharia Banking in Surakarta. Journal of Islamic Economic Laws, 4(1), 61–77.
Suganda, A., Soleh, M., & Triani, N. (2022). Conventional Banking Customers’ Understanding of Riba in Conventional Banking and Aqad Practices in Sharia Banking. Economic Syari’ah, 4(1), 31–42.
Varenne, H. (2007). Difficult Collective Deliberations: Anthropological Notes Toward a Theory of Education. In Teachers College Record (Vol. 109, Issue 7, pp. 1559–1588). Teachers College, Columbia University.
Varenne, H. (2009). Conclusion: The Powers of Ignorance on Finding Out What to Do Next. Critical Studies in Education, 50(3), 337–343. https://doi.org/10.1080/17508480903161953
Yusoff, Z. (2017). Direct Quranic Quotation Methods in Kitāb Al-Kifāyah and Kitab Risalah Fi Bayan Hukm Al-Bay’ Wa Al-Riba: A Comparative Study. Pertanika Journal of Social Sciences and Humanities, 25(1), 23–32. https://www.scopus.com/inward/record.uri?partnerID=HzOxMe3b&scp=85036663857&origin=inward
Published
2025-02-04
How to Cite
BISRI, Hasan; AINUSYAMSI, Fadlil Yani.
Ketidakpedulian pada Praktik Riba: Penggunaan “Epistemologi Ketidaktahuan” untuk Memahami Perilaku Nasabah Perbankan Umum Konvensional.
Jurnal Studi Islam MULTIDISIPLIN, [S.l.], v. 2, n. 1, p. 1-10, feb. 2025.
ISSN 2987-7679.
Available at: <https://riset-iaid.net/index.php/jsim/article/view/2155>. Date accessed: 10 oct. 2025.
Section
Articles
