Proceedings of the International Joint Conference on Arts and Humanities 2022 (IJCAH 2022)

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Banking Business Credit: Choice Between Riba or the Need for Business

Study of MSME Entrepreneurs in Surabaya and Sidoarjo

Authors
Diyah Utami1, *, Pambudi Handoyo1, Fransiscus Xaverius Sri Sadewo1, Mutiah Mutiah2, Fakhrial Fakhrial1
1Sociology Programme of Social Science and Law Faculty, Universitas Negeri Surabaya, Surabaya, Indonesia
2Communication Science Programme of Social Science and Law Faculty, Universitas Negeri Surabaya, Surabaya, Indonesia
*Corresponding author. Email: diyahutami@unesa.ac.id
Corresponding Author
Diyah Utami
Available Online 19 March 2023.
DOI
10.2991/978-2-38476-008-4_24How to use a DOI?
Keywords
Riba; Credit; Bank; Usury
Abstract

This research started from the interest of researchers to see the reluctance of some people to the assistance program offered by the government in the form of bank credit. The reluctance is because credit contains elements of usury, which is contrary to Islamic spiritual values. But, on the other hand, there are people who have a more tolerant view of the banking interest. There are also those who take the middle way, by utilizing Islamic banking credit.Entrepreneurs often need capital for business development and this financial capital is not easily obtained from other people’s loans or savings deposits. This study wants to see how entrepreneurs try to have a dialogue between self-interest and moral values ​​that are used as life guidelines. The theory used is Peter Berger’s social construction theory, which describes three processes of social construction, namely externalization, objectivation and internalization. The research subjects are MSME (Micro Small Middle Entrepreneurs who are domiciled in Surabaya and Sidoarjo.This study will categorize three types of research subjects, namely: MSME entrepreneurs who do not use bank credit because they think it contains elements of usury, MSME entrepreneurs who still use general banking credit and MSME entrepreneurs who use Islamic banking credit.

Copyright
© 2023 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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Volume Title
Proceedings of the International Joint Conference on Arts and Humanities 2022 (IJCAH 2022)
Series
Advances in Social Science, Education and Humanities Research
Publication Date
19 March 2023
ISBN
10.2991/978-2-38476-008-4_24
ISSN
2352-5398
DOI
10.2991/978-2-38476-008-4_24How to use a DOI?
Copyright
© 2023 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

Cite this article

risenwbib
TY  - CONF
AU  - Diyah Utami
AU  - Pambudi Handoyo
AU  - Fransiscus Xaverius Sri Sadewo
AU  - Mutiah Mutiah
AU  - Fakhrial Fakhrial
PY  - 2023
DA  - 2023/03/19
TI  - Banking Business Credit: Choice Between Riba or the Need for Business
BT  - Proceedings of the International Joint Conference on Arts and Humanities 2022 (IJCAH 2022)
PB  - Atlantis Press
SP  - 212
EP  - 217
SN  - 2352-5398
UR  - https://doi.org/10.2991/978-2-38476-008-4_24
DO  - 10.2991/978-2-38476-008-4_24
ID  - Utami2023
ER  -