Akad Dan Produk Perbankan Syariah

Abstract

Contract and pruduct in sharia banking are two matter inseperable because each product in sharia banking must be based on the contract and Islam sharia principles. If looked from aspect product, aspect contract and sharia principles are differentiate between sharia bank product and conventional bank product. Based on purpose of sharia bank, there are to get profit in the world and profit in the hereafter (profit and fallah oriented). So contract in sharia bank has also become two, there are tabarru' contract (fallah oriented) and tijarah contract (profit oriented). Tabarru' contract generally used at sharia banking activity in sector social like as service product and give good deeds loan to their costumers. Tijarah contract generally used at financing product are based profit sharing, trade, business of renting things out.

Pengaruh Faktor Makroekonomi terhadap Profitabilitas BUS: Studi pada Bank Umum Syariah di Indonesia yang Terdaftar Dalam OJK Periode 2018-2020

“…Dalam penelitian Nofinawati (2014) Seperti dapat dilihat dari produk bank syariah di atas yang menunjukkan salah satu keunggulan bank syariah dibandingkan dengan bank konvensional yaitu semua produk berdasarkan syariah tidak mengenal istilah bunga sehingga semua transaksi bebas dari riba. Selain itu perbankan syariah juga lebih transparan dalam pembagian keuntungan sehingga bebas dari unsur spekulatif.…”

Problem Solving Analysis of People's Business Credit Financing Based on Murabahah Agreement at Pt. Bank Syariah Indonesia Tbk. Magelang Singosari Sub-Branch Office

“…Based on the type of contract, financing is divided into four groups, namely profitsharing based financing, namely mudharabah and musyarakah contracts, sale and purchase based financing, namely murabahah, istishna, and salam, lease-based financing, namely ijarah and IMBT (Ijarah Mutahiya Bit Tamik) and financing with contracts complementary namely hiwalah, rohn, qard, wakalah and kafalah (Nofinawati, 2014).…”

The Support of Sharia Rural Banks Financing on National Financial Inclusion

“…(Trimulato, 2017), (Aurora Lubis, 2016), (Darwanto, 2013) in his research identified that the most suitable Islamic banking financing for MSME financing is the Musyarakah contract. Islamic finance contracts and products are the focus of the research conducted (Nofinawati, 2014), (Lestari & Hisamuddin, 2015) mentioned that, Intermediation and Types of Islamic bank financing products have a positive relationship with bank risk and performance.…”