Mekanisme Prinsip Syariah Pada Produk Bank Syariah

Abstract

Indonesia is a country with a majority Muslim population, including a country where the growth of Islamic financial institutions is quite rapid. Internationally, Indonesia is seen as a strength and has great potential for global Islamic finance, according to the Islamic Finance Development Report 2014 Indonesia is in the Top 10 Islamic Finance Assets ($ Million) ranks 9th with assets of 35,626. The mechanism of sharia principles in Islamic bank products is important to be studied comprehensively by him in this paper focused on: What is the meaning of Islamic bank? (2). What is the difference between Islamic banks and conventional banks? (3). How important is sharia principles in Islamic bank products? (4). What is the meaning of Profit Loss Sharing and its application in banking? (5). What is the meaning of Revenue Sharing and its application in banking? (6). How is the difference between Profit Loss Sharing and Revenue Sharing?. The theory of profit loss sharing was developed in two models, namely the mudharabah and musharaka models. The Mudharabah model refers to a form of business cooperation between two parties. The first party (shahibul maal) provides all the capital, while the other party becomes the fund manager (mudharib). Musyarakah model is a cooperation agreement between two or more parties to run a particular business. Each party contributes funds with an agreement that profits and risks are shared in accordance with the agreement. What is meant by revenue for a bank is the sum of the bank's interest income received from the distribution of funds or services on loans or deposits provided by the bank. Revenue in Islamic banking is the result received by the bank from the distribution of funds (investment) into productive assets, namely the placement of bank funds on other parties. This is the difference or number in excess of earning assets with bank receipts.

Strategi Industri Perbankan Syariah dalam Menghadapi Era Digital

“…Meskipun dari segi keberadaan dan peranan bank syariah telah mengalami perkembangan yang begitu pesat, yang ditandai dengan banyaknya berdirinya bank-bank syariah (Marimin et al, 2015). Namun perkembangan teknologi pada saat ini telah mempengaruhi perubahan sosial di tengah-tengah masyarakat (Faizul, 2022) Kemudian munculnya transformasi digital saat ini, menyebabkan perbankan syariah khususnya di Indonesia juga harus mengembangkan fitur perbankanndigital untuk perusahaan. Namun jika dibandingkan dengan beberapa negara tetangga seperti Malaysia, Indonesia dapat dikatakan lambat dalam mengikutinya.…”

Exposing Transparency In The Wadi'ah Contract

“…In addition, the promotion of Sharia values, especially the spirit of mutual assistance, has also accelerated the development of BTM. Public trust in BTM has been built through the Islamic image implemented by BTM, both institutionally and personally (Abrori, 2022;Yusnita et al, 2019).…”

“…According to the fatwa from the National Sharia Board of the Indonesian Ulema Council (DSN MUI), wadi'ah deposits are pure entrusted funds that can be withdrawn by the owner at any time (Abrori, 2022;Nurjannah & Santoso, 2022). However, in practice, there is often a lack of transparency in the implementation of the wadi'ah contract at BTM.…”

The Impact of Sharia BTN Credit and Income Factors on Public Interest in Home Ownership Loans (Kpr)

“…10 of 1998, credit is the provision of money or claims based on a loan-borrowing agreement or agreement between a bank and another party that requires the borrower to repay his debt after a certain period with interest (Novaldi, Fasa, & Monalysa, 2021;Sa'diyah, 2019;Trimulato, 2016). Meanwhile, the definition of financing is the provision of money or money bills or equivalent claims based on an agreement or agreement between the bank and another party that requires the financed party to return the money or claim after a certain period with compensation or profit sharing (Abrori, 2022;Ahyani, 2021).…”