Riba, Creditworthiness, and Receivables Management from the Perspective of Islamic Economics and Banking

Abstract

This research aims to analyze the relationship between riba (usury), credibility, and receivables management within the context of Islamic economics and banking in Indonesia. Riba is considered a practice that leads to economic injustice and contradicts Sharia principles. The credibility of financial institutions is a crucial factor in building public trust in an ethical and transparent financial system. Conversely, receivables management plays a vital role in maintaining the liquidity and stability of financial institutions, ensuring their operational soundness. This study uses a descriptive qualitative approach by analyzing literature from various current scientific sources published during the 2020–2025 period. The results indicate that the elimination of riba, the implementation of justice principles, and the professional management of receivables significantly contribute to enhancing the credibility of Islamic financial institutions. Thus, the integration of Sharia values within the financial management system is key to the sustainability of Islamic banking in the modern era.