Apakah itu Wang Kertas?

Seksyen 20 Akta Bank Negara Malaysia 1958
20. The Bank shall have the sole right of issuing notes and coin... to pass as legal tender.

Seksyen 24 Akta Bank Negara Malaysia 1958
24. (1) Notes issued by the Bank shall... be legal tender in Malaysia at their face value for the payment of any amount.

Definisi legal tender: Legal tender or forced tender is payment that, by law, cannot be refused in settlement of a debt;

http://en.wikipedia .org/wiki/ Legal_tender

Definisi Bank Notes: A banknote (often known as a bill, paper money or simply a note) is a kind of negotiable instrument, a

promissory note made by a bank payable to the bearer on demand, used as money, and in many jurisdictions is legal tender;

http://en.wikipedia .org/wiki/ Bank_note

Definisi Promissory Note: A promissory note, referred to as a note payable in accounting, is a contract where one party (the

maker or issuer) makes an unconditional promise in writing to pay a sum of money to the other (the payee), either at a fixed

or determinable future time or on demand of the payee, under specific terms.; http://en.wikipedia .org/wiki/ Promissory_ note

Definisi Negotiable Instrument: A negotiable instrument is a specialized type of "contract" for the payment of money that is

unconditional and capable of transfer by negotiation. Common examples include cheques, banknotes (paper money), and

commercial paper; http://en.wikipedia .org/wiki/ Negotiable_ instrument

Kesimpulan:
(a) Wang adalah Negotiable Instrument
(b) Wang adalah Promissory Note
(c) Negotiable Instrument & Promissory Note bukan wang sebenar, tetapi adalah janji membayar wang sebenar (mewakili wang)
(c) Wang Kertas tidak bernilai adalah paksaan undang-undang legal tender

Persoalan:

(a) Perbankan Islam tidak meminjamkan wang, tetapi sekadar meminjamkan perjanjian hutang. Oleh itu, adakah Islam menghalalkan

bayaran menggunakan perjanjian hutang sebagai wang? Adakah Islam menghalalkan perjanjian pinjaman mengalir sebagai wang dan

dan tanpa had?

(b) Kertas wang tidak mempunyai nilai melainkan paksaan undang-undang. Oleh itu, adakah paksaan undang-undang menghalalkan

kertas sebagai bernilai mengikut Syariah?

(c) Bank Note yang mana hakikatnya Promissory Note atau Negotiable Instrument adalah janji membayar wang sebenar. Oleh itu,

adakah halal untuk meminjamkan janji membayar wang sebenar (yang mana tidak pernah wujud)?

Sila komen dan berikan pendapat anda. Terima kasih.

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