Dream - In building a business or enterprise, it is not a simple matter. There are many things that need to be prepared, especially a considerable amount of capital. This will be a heavy burden if Dream's friend does not have enough savings. As a result, many people eventually decide to borrow money from the bank as business capital. Where the loan must certainly have collateral, so that the money to be used as capital can truly be disbursed.

"In addition, in banks, there is also a possibility of the occurrence of usury practices, which are strongly prohibited in Islam. Well, here is an explanation of the legal aspects of borrowing money from a bank for business capital in Islam as summarized by Dream through various sources."

In the principle of sharia, borrowing money with interest (riba) is explicitly prohibited. Therefore, borrowing money from a bank that implements an interest system is not allowed in Islam. Its impact on business capital is also significant. If an individual or company uses borrowed money with an interest system, it is considered contrary to the principles of sharia.

So that the capital obtained from the loan is prohibited and will not receive blessings from Allah. However, Islam allows a loan system with sharia principles called mudharabah or musyarakah, where the distribution of profits or losses is based on an agreement between the lender and the borrower. Thus, the use of capital from the loan will be more in line with sharia principles and will receive blessings from Allah.

Thus, in Islam, only borrowing money from a bank with Sharia principles is allowed. Meanwhile, borrowing with an interest-based system is not permitted and can have negative impacts on business capital.

Some scholars consider that this practice is allowed with certain conditions. While others see it as an act that is not in line with Islamic principles. Scholars who allow this practice say that the use of modern banking systems can be considered as a form of ijarah (rent) or murabahah (selling goods with profit), with the provision that no interest (riba) is charged.

However, scholars who reject this practice argue that modern banking systems fundamentally involve usury, which is explicitly prohibited in Islam. Some relevant Islamic sources advise seeking alternative solutions that comply with Sharia principles, such as using Sharia financing schemes that do not involve usury. Scholars also emphasize the importance of avoiding usury and prioritizing the principle of justice in all financial transactions.

Like the absence of usury in the transaction. He views that Islamic banks are financial institutions that operate according to Sharia principles. Therefore, borrowing money for business capital from an Islamic bank is in accordance with Islamic economic principles. However, Buya Yahya emphasizes that financing children through the proceeds of business funded by bank loans is not recommended. According to him, this can create a negative financial dependency and reduce the spirit of striving for independence.

On the contrary, he encourages financing for children based on lawful efforts and income. Furthermore, Buya Yahya also emphasized that the sale of land purchased with Shariah bank loans is not permitted by the bank. According to him, the sale of assets acquired through loans should be done after the debt is paid off and is not allowed to be sold beforehand. This is aimed at preventing usury practices in the transaction of buying and selling assets.

"Thus, Buya Yahya reminds Muslims to understand the sharia laws related to borrowing money for business capital, financing children, and buying and selling assets in order to strive according to the principles of Islamic economics."