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About two decades (20 years) before the 21st century, hundreds of shariah banks in the international world, achieve success and remarkable progress. Islamic banks that eliminate interest and replace it with a system for the results, it is very powerful and resilient to face the monetary crisis and can reap business benefits.
With the rapid advancement of Shariah banks without interest, then the automatic bank interest law has ever disputed and debated, the defendant again. If used, there are scholars who accept and allow interest by reason of emergency or view it as a necessity for banks to be able to live and make a profit, so at this time, the reason of emergency or necessity assumption that interest rates, has disappeared altogether. Because it has become a fact, that turned out to Islamic banks to develop and demonstrate achievement in gaining the advantage. Strictly speaking, there is no emergency reason for permissibility of bank interest, since shari'a banks have been present all around us.
This paper will describe the interest in historical perspective, the Greek philosophers tekemuka opinions and views of celestial religions in the hope that this paper will give confidence to the ummah of Islam that bans the practice of interest have been taught throughout human history and by all divine religions, and therefore interest practice This we must leave.

Interest in the path of history

According to experts, economic history, business activities with interest the system has existed since the year 2500 BC, both ancient Greece, ancient Rome and ancient Egypt. Similarly, in the year 2000 BC, in Mesopotamia (now Iraq's territory) has developed the system of interest. Meanwhile, 500 years BC Temple of Babilion charged interest at 20% a year.

Historically, the ancient Greeks who have a high civilization, strictly prohibits the borrowing of money with interest. Aristotle in his politics, has denounced the system of interest that developed in ancient Greece. By relying on rational thought philosophically, without the guidance of revelation, he considered that the interest system is a system that is not fair. He thinks money is not like chicken that can lay eggs. Coin coin can not bear another. He further said that lending money at interest is something lesser. Meanwhile, Plato (427-345 BC), in his book "LAWS", also condemned the practice of interest and view it as a zholim. According to Plato, the money only serves as a medium of exchange, measure of value and wealth accumulation. The money itself is barren thought (can not bear by itself). New money can grow if there are real business activity. Two of the most prominent Greek philosophers were considered quite representative to represent the views of Greek philosophers about flowers.
Furthermore, in the early stages, the ancient Roman empire, also strictly prohibits any charging of interest and on their subsequent development to limit the interest rate is through legislation. Roman Kingdom was the first country to implement regulations on the interest to protect the consumer.
Habits are also growing interest in the land of Arabs before the Prophet Muhammad became the Messenger. The historical record shows that the Arabs quite advanced in the trade. This illustrated the Koran in Sura Al-Quraishi and history books dunia.Bahkan city of Mecca at that time had become a city of international trade through three channels of world trade in Europe, and Africa, India and China, as well as Syria and Yemen.
One thing that is indisputable, that in order to support trade flows so rapidly, they need adequate financing facilities to support production and trade activities. So borrowing capital to perdangan done with the system of interest. Strictly speaking of money lending at the time, not just for consumption, but also for productive efforts. Interest system which is subsequently banned Al-Qur'an in stages.

Qur'anic verse letter Ali Imran verse 30 which prohibits usury a double, not finished (complete). Because after that, go down again the verses on riba which forbids all benthic usury, riba either a double or a mild interest (Sura 2: 275: 279).

Flowers by religions
  A) Jewish Religion

Judaism's view of the interest there is in the books of the Old Testament chapter 22 verse 25 which reads, If thou lend money to one of my people who are poor among you, do not like people enkau berkaku debt collector and do not charge him interest money, but thou shalt fear thy God that thy brother may live among you. "

Article is expressly prohibits the practice of interest to Jews. However, Jewish people like to create a pretext to interpret the section in accordance with the desires. According to them, interest is prohibited if done fellow Jews, and are not prohibited when practiced against people who are not Jewish. They forbid their fellow flower, but it has made to other parties. Perbutan attitude was criticized Al-Quran as a despotic and evil deeds (QS.160-161).

b) Christianity

Interest to know the views of Christianity, there is in the books of the Old Testament book of deuteronomiy chapter 23 verse 19. "Thou shalt not lend money to your brother either money or food ingredient that dibungakan". Furthermore, in the new covenant in Luke 34 verse stated, "If you lend to people do you expect in return, then where the actual honor you, but transgress virtue and give loans to not expect a return for your reward will be many. "

Seeing these two religions view on the Prohibition of interest, it is very appropriate to conclude that non muslimpun people have welcomed the bank without interest. This is because Islamic banks have provided a way out of the ban on the holy book. And this seems the most appropriate means to develop cooperation in the fight against the interest that has been banned from the divine religions.

Based on the verses mentioned above, the Christian religious leaders explicitly forbids the flowering of money. Believed that teaching and developed by the Scholastic who pemiiran-economic thinking is still very consistent with church teachings. Two of the most famous figures are scholastic St. Albertus Magnus (1206-1280) and Thomas Aquinas (1225-1274). Both strongly condemned the practice of flowering of money. Thomas Aquinas in the Summa Theologia even explicitly mention the people who lend money as a sinner. For Aquinas picked up interest from money lent is unjust and is synonymous with selling something that does not exist.
. Evangelism teachings that prohibit interest until the 13th century is still the church teachings. In the late 13th century, emerged the new streams are trying to eliminate the influence of the church which they consider old-fashioned, so that lending is a widespread interest and the interest of the church pengharaman even more blurred. Since then the practice is rampant and is considered legitimate interest in Europe. At that time, Christian scholars do pendefenisian new formulation of interest. Discussion aims to expand and legitimize their interest. They distinguish the flowers into two, namely interest and usury. According to their interest is interest that is allowed, while the interest is excessive usury (riba).
The concept is increasingly widespread, after the King of England, namely Hendri VIII, in the year 1545 AD and mengembangkannnya confirmed. He emphatically said that riba (usury) is not justified, while the interest (interest) permissible origin is not excessive. King Hendrik VIII echoes all the way to the Netherlands and other European. When the Dutch colonized Indonesia, they disseminate the views Hendrik VIII, during the 350 years in Indonesia. That certain people and stay away from Indonesia, which prohibits usury and the practice but allow interest. They distinguish between interest and usury. Yet the same interest and usury.
In fact, some people assume that the bank interest that existed at present, in contrast to the existing usury at the time of ignorance. Riba is haraam because of ignorance on the double. Meanwhile, bank interest is allowed. This assumption turned out to be a big mistake. The mistake was shown by the results of research by economists and renowned Muslim intellectual, presided. Dr.Muhammad Nejatullah Ashiddiqi, Prof. Dr. Umar Chapra, Prof. Dr. M.A. Mannan, Prof.. Kursyid Ahmad, as well as economists Dozens of other Muslims and non Muslims. The Muslim economists conduct scientific research has historically been about interest and usury in the history of human life, from ancient Greece, ancient Rome, Mesopotamia and the Arab pagans.
From historical research it is concluded, that the system of interest, there has actually been a long time in the history of human life. Further research showed that in fact the same interest and usury. Even found, the interest banks are now more despotic than usury Pagan. Because the current bank interest, has been charged in the first month, while usury ignorance, interest has not been worn, except on maturity of the debtor was unable to pay its debts, then the next month she must pay the interest, due to suspension of Muslim economists therefore set that the system adopted in the interest of conventional banks is currently not in accordance with Islamic Shariah, therefore he must be replaced with a system of sharing (or profit and community and other Shariah products).

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From the descriptions above, it is clear that interest has been banned in human civilization for thousands of years ago, since ancient Greece, ancient Rome and Ancient Egypt. Similarly celestial religions, like Judaism and Christianity. Now the whole world Islamic economic experts have consensus stipulates that bank interest is haram, therefore Muslims should migrate from conventional banks to banks with Shariah, whether in the form of savings deposits, time deposits, demand deposits and so forth.

OKI scholars consisting of 54 countries, the scholars of Al-Islami Rabithah Nature and the entire Islamic world economic expert, has agreed to condemn and forbid the bank interest, and requires Muslims to develop and memperatekkan concept of an Islamic bank, without interest. Similarly, the Indonesian Ulema Council, has been expressly forbidden bank interest, and has pioneered the establishment of Bank Muamalat and Bank Syariah Mandiri followed and other Islamic Banking. Let us therefore is abuzz save and depositing money in Bank of Sharia, so that we avoid the terrible sin of usury and Moslem world-advanced and successful afterlife.