SOCIALIZATION OF SHARIA BANK
SOCIALIZATION OF SHARIA BANK
(In Indonesian Language : Sosialisasi Bank Syariah)
Assalamua’laikum wr wb
Until now Islamic banks have a lot of us encounter in everyday life. In Indonesia there are some banks that are purely Islamic, beerdiri own means, not the parent unit of the conventional banks. Call it Muamalat Indonesia, Bank Syariah Mandiri, Bank Syariah Mega Indonesia and others. While the form of Sharia Business Unit is in almost all banks, both government banks and private banks. Foreign Islamic banks also have a lot of us met in Indonesia.
The existence of these Islamic banks need to be utilized by the perpetrators of Indonesian SMEs. To learn more about Islamic banks, we submit the following socialization Islamic banks. Hopefully useful.
PRINCIPLES OF SHARIA BANKING PRODUCT and benefits
Islamic Banking Principles
• Principle of Justice:
o Rewards for results based on fixed profit margin on the agreement between the Bank and borrowers.
• Principles of Partnership:
o Customer depository of funds, users of funds and the Bank have the right, obligation, the burden of risks and benefits balanced.
• The principle of universality:
o Ignorance of the issue of ethnicity, religion, race and class
• Transparency Principle:
o The principles of openness between the bank and the customer in determining margin or profit-sharing.
BASIS
Then we make for you a shari’ah, then follow the Shariah, Do not follow the vain desires of people who do not understand the Shariah (Surat al-Jatsiyah: 18)
Understanding Islamic Banking
• Islamic Bank is a commercial bank conducting business based on sharia principles
• Collecting funds from the public in the form of savings & distribute to the public in the form of financing (credit) and or other forms
• Providing services in payment traffic.
Operating limits
Business sectors which are prohibited to be funded Islamic banks are all types of industries that contain elements Maghrib:
• Maisyir / gambling
• gharar / uncertainty or guile
• Sacred
• Riba
Differences Islamic Banking and Conventional Banking
Bank Syariah
Investing only in a lawful business sector
Principles for the outcome, sale and purchase or lease
Profile & Falah Oriented (happiness of the world & the Hereafter)
Partnership
There’s Sharia Supervisory Board
Sharing VS Flowers
SYSTEM FOR RESULTS
It’s possible profit / loss
Based on the ratio for the outcome of sales / income customers
Change depending on business performance
SYSTEM INTEREST
The assumption is always lucky
Based on the money (principal) loan
The amount of fixed
Objectives and Responsibilities of Bank Syariah
Purpose
Role to promote, maintain and develop economic activities for the prosperity of the Islamic sharia berasaskan.
Liabilities
Sharia Bank is obligated to support the establishment of investment activities and other businesses that are not forbidden in Islam, with reference to its financial objectives (growth and profit).
SHARIA BANK PRODUCT CHARACTERISTICS
• Risks for Lower Results Than Flowers
• Profit Sharing Element Costs But Not Profit Portion distributed
• Financing Scheme Flower dismissed Fluctuations Risk
• Corresponding with Sturuktur Products Business, Transaction Type and Scale of Business
Thus a brief information about the Islamic bank, which would be the next article will be discussed more fully, Insha Allah.
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