KSB no riba / H. M. Jafar Yusuf and S.Sos

By hoping for Allah SWT's blessing, we look at the economic problems of the people recently as the gap between rich and poor increases. The crux of the problem is the unequal distribution of goods and services so that in people's lives from day to day the poverty rate increases. Rich people get richer and poor people get poorer. Poverty has become an interesting topic in various seminars and meetings from the neighborhood level to the national level. Even International. Either poverty is due to cultural or structural poverty. Cultural poverty (living culture that is supported by the environment does not want change so they remain poor but they do not feel poor). Meanwhile, structural poverty is poverty due to the influence of social, political and economic changes. The result is that government policy suddenly increases fuel prices, thereby affecting other commodities. As a result, there was inflation and large layoffs (layoffs), giving rise to new poverty rates as a result of government policy. The unemployment rate is increasing, job opportunities are limited. Job seekers in the non-formal sector increase. As a result of this, women selling hawkers, pushcarts, sellers of packaged rice have emerged as fertile fields for loan sharks labeled cooperatives, or online lending businesses. For those who need fast working capital without collateral, just a photocopy of liquid funds in just five minutes. Meanwhile the next day they were visited to be charged back with high interest. If you are unable to pay according to schedule, interest will accrue. So there is a double amount that has to be paid. As a mosque activist who is also in government, I always think about finding a way out so that people can be saved from usury. The process of da'wah struggle and contribution of ideas through policy that we describe in this short article may be of benefit to readers whether local to KSB, Indonesian National or living in the ASEAN region.