Review of Riba and its impact in the Islamic Meta Economy

The study of riba has always been a hot topic of discussion in Islamic economics. Riba means ziyadah (extra) from an etymological (linguistic) perspective. If interpreted in terminology (the term) Riba means taking additional capital (capital) for free (HM. Syafi'I Antonio, 1992,10). In general, usury is the addition of debt. This means: any addition to debt, whether quality or quantity, whether a lot or a little, is included in usury which is forbidden. The effect of usury is very large and has serious consequences for the economy, state, nation and society in general, or in other words, if usury has become that is established and crystallized so strongly, then this system is the influence of usury from usury. the economic system is very dangerous for the economy. Therefore, the existence of zakat is very necessary because the purpose of Islam in mandating zakat is to encourage people to always try to invest their money and not hoard it. Through an understanding of investment from an Islamic point of view, which encourages people to always try to work and do business in real terms to fulfill their life needs, return to Allah SWT and the manifestation of their existence as caliphs on earth.