Persepsi Dosen PAI di Perguruan Tinggi Umum tentang Praktek Perbankan Syariah dan Konvensional

The study describes the perception of Islamic Religious Lecturers (PAI ) at Public University (PTU) about the practice of Islamic and conventional banking. This study is a descriptive qualitative research. The data were collected through a questionnaire distributed among several PAI Lecturers in Jakarta and other regions. This research used the Improvisation theory formulated by Ibrahim Warde , which stated about traditionalist, modern and moderate view about bank interest. The study concluded that PAI lecturers perceptions in PTU are divided into three views. Most respondents tended to have the modern perspective, accepting the concept of debt interest as a banking transaction instrument, and regarded it as a halal transaction. The second group is classified as the traditionalist , they consider the bank interest is additional loans, falling under the usury and is unlawful. The last group is between traditionalist and modern and stated that the bank interest is syubhat. PAI lecturers  also have different views on Islamic banking . The majority of respondents considered that Islamic banking is not much different from conventional, only a few respondents stated that there are many differences between conventional and Islamic banks. Keywords:Perception, Islamic banking, PAI lecture,Bank interest Abstrak Penelitian mendeskripsikan persepsi Dosen Pendidikan Agama Islam (PAI) di Perguruan Tinggi Umum (PTU) tentang  praktek perbankan syariah dan konvensional. Kajian ini merupakan penelitian kualitatif deskriptif. Data dikumpulkan melalui angket yang disebarkan kepada beberapa Dosen PAI di Perguruan Tinggi Jakarta dan luar Jakarta. Teori persepsi merupakan improvisasi dari teori yang dirumuskan Ibrahim Warde tentang bunga bank, yakni pandangan aliran tradisionalis, modern dan moderat. Penelitian menyimpulkan bahwa  Dosen PAI di PTU terbagi kepada tiga pandangan. Sebagian besar responden dikelompokkan kepada golongan modern, menerima konsep bunga sebagai instrumen transaksi di perbankan, dan menganggapnya sebagai transaksi yang halal. Kelompok kedua digolongkan tradisionalis, mereka  menganggap bunga bank adalah tambahan pinjaman, termasuk riba dan hukumnya haram. Terakhir adalah kelompok yang berada di antara tradisionalis dan modern. Kelompok ketiga menyatakan bahwa hukum bunga bank adalah syubhat. Dosen PAI juga mempunyai pandangan yang berbeda mengenai perbankan syariah. Mayoritas responden menilai perbankan syariah tidak jauh berbeda dengan perbankan konvensional, beberapa responden menyatakan bahwa terdapat banyak perbedaan antara bank konvensional dan bank syariah. Kata Kunci: Persepsi, Dosen PAI PTU, Bank konvensional , Bank syariah