"RIBA COMMERCIAL" VERSUS "RIBA consumption"

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The definition of RibaBased on the understanding of fiqh scholars, usury is required before any loan which requires an additional. In terms of language riba means 'excess'.
History of UsuryRiba ignorance is when someone is in debt up to a certain period. When payment time came, the owner of the money said, "you pay your debt or increasing in number."
Bank interest is RibaHow about a conventional bank interest rate system, there is an opinion bahwariba are forbidden by Allah in the Qur'an and hadiths of the Prophet is the type known as consumer interest. That is the interest charged to the person who owes to meet the needs of daily life such as eating, drinking, and his clothes and his family or dependents.Why become illegitimate? Since usury was an element of extortion (exploitation) in people in need. So he was forced to borrow. And the owners want to lend money provided that there is an excess or additional (There is a requirement). This means the creditor actually has no intention of borrowing member if tidaka da extra.
 If usury is forbidden at the time of such Rosulullah is riba, (usury consumptive) why the Prophet Muhammad cursed the borrower and the lender, such as those contained in the following tradition;Imam Muslim narrated from Jabir ra. He said: "Prophet Muhammad cursed the eater of usury, the giver of usury, registrar, or the administration and the witness (Notary) and he said, their legal status the same. From Ibn Mas'ud ra. He said: "Prophet Muhammad cursed the receiver and the giver of interest."
Functions of Commercial BanksAs for the opinion that it is lawful commercial usury; it is a very dangerous statement. Moreover menganalogikan bank (commercial usury actors agency) together with the trading services; the bank only acts as a facilitator. This is wrong, because as a facilitator of course can not make its own rules, and must comply with the agreement between the savers with the borrowers. Reality in the conventional banking is the bank had intercourse with the provisions made by the borrower's bank to be obeyed as well as against the depositors. So clearly, that the relationship between the bank and the borrower is usury, not facilitating buying and selling.And that should be emphasized here, usury is not only situated on the intended use or any object of the perpetrators of usury (between business entities or individuals) that is forbidden riba is riba as it has become alhi understanding fiqh required that every loan previously required to provide additional.