Question

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Perbankan syariah adalah suatu sistem perbankan yang pelaksanaannya berdasarkan hukum Islam. Pembentukan sistem ini berdasarkan adanya larangan dalam agama Islam untuk meminjamkan atau memungut pinjaman dengan mengenakan bunga pinjaman serta larangan untuk berinvestasi pada usaha-usaha berkategori terlarang. Sistem perbankan konvensional tidak dapat menjamin absennya hal-hal tersebut dalam investasinya, misalnya dalam usaha yang berkaitan dengan produksi makanan atau minuman haram, usaha media atau hiburan yang tidak Islami, dan lain-lain.
Perbankan syariah memiliki tujuan yang sama seperti perbankan konvensional, yaitu agar lembaga perbankan dapat menghasilkan keuntungan dengan cara meminjamkan modal, menyimpan dana, membiayai kegiatan usaha, atau kegiatan lainnya yang sesuai. Prinsip hukum Islam melarang unsur-unsur seperti :
• Perniagaan atas barang-barang yang haram
• Bunga
• Perjudian dan spekulasi yang disengaja
• Ketidakjelasan dan manipulatif
Perbandingan antara bank syariah dan bank konvensional adalah sebagai berikut :
Bank Islam
Melakukan hanya investasi yang halal menurut hukum Islam
Memakai prinsip bagi hasil, jual-beli, dan sewa
Berorientasi keuntungan dan falah (kebahagiaan dunia dan akhirat sesuai ajaran Islam)
Hubungan dengan nasabah dalam bentuk kemitraan
Penghimpunan dan penyaluran dana sesuai fatwa DPS
Bank Konvensional
Melakukan investasi baik yang halal atau haram menurut hukum Islam
Memakai perangkat suku bunga
Berorientasi keuntungan
Hubungan dengan nasabah dalam bentuk kreditur-debitur
Produk bank syariah
1. Titipan ( wadi’ah )
2. Simpanan ( mudharabah )
3. Bagi hasil : musyarakah ( joint venture ), al – muzara’ah, al – musaqah,
4. Jual beli : ba - as - salam, bai isthisna’, bai al – murabahah, a – ijarah
5. Jasa : Al-Wakalah, Al-Kafalah, Al-Hawalah, Ar-Rahn, Al-Qardh

Answer 1

Islamic banking is a banking system based on the implementation of Islamic law. The formation of this system is based on the prohibition of the Islamic religion to lend or collect any loans by charging interest loans as well as the prohibition to invest in businesses categorized forbidden. Conventional banking system can not guarantee the absence of these things in investments, for example in the business associated with the production of food or drink unclean, business or entertainment media are not Islamic, and others.
Islamic banking has the same purpose as conventional banking, namely that banking institutions can generate profits by lending capital, deposit funds, fund operations, or other activities as appropriate. The principle of Islamic law forbids such elements as:
• Commerce on goods that are forbidden
• Flower
• Gambling and speculation deliberate
• Unclear and manipulative
Comparison between Islamic banks and conventional banks are as follows:
Bank Islam
Doing only investment halal according to Islamic law
Wearing the principle of sharing, sale, and lease
Profit-oriented and Falah (happiness of the world and the hereafter according to the teachings of Islam)
Relationships with customers in the form of partnership
Collection and distribution of funds according to the fatwa DPS
Conventional banks
Investing either lawful or unlawful according to Islamic law
Wearing the interest rate
for-profit
Relationships with customers in the form of creditor-debtor
Islamic bank products
1. Courier (wadi'ah)
2. Deposits (mudaraba)
3. For the results: Musharaka (joint venture), al - muzara'ah, al - musaqah,
4. Buying and selling: ba - as - salam, bai isthisna ', bai al - Murabahah, a - Ijara
5. Services: Al-Wakalah, Al-Kafalah, Al-Hawalah, Ar-Rahn, Al-Qardh

Answer 2

Islamic banking is a banking system based on the implementation of Islamic law. The formation of this system is based on the prohibition of the Islamic religion to lend or collect any loans by charging interest loans as well as the prohibition to invest in businesses categorized forbidden. Conventional banking system can not guarantee the absence of these things in investments, for example in the business associated with the production of food or drink unclean, business or entertainment media are not Islamic, and others.Islamic banking has the same purpose as conventional banking, namely that banking institutions can generate profits by lending capital, deposit funds, fund operations, or other activities as appropriate. The principle of Islamic law forbids such elements as:• Commerce on goods that are forbidden• Flower• Gambling and speculation deliberate• Unclear and manipulativeComparison between Islamic banks and conventional banks are as follows:Bank IslamDoing only investment halal according to Islamic lawWearing the principle of sharing, sale, and leaseProfit-oriented and Falah (happiness of the world and the hereafter according to the teachings of Islam)Relationships with customers in the form of partnershipCollection and distribution of funds according to the fatwa DPSConventional banksInvesting either lawful or unlawful according to Islamic lawWearing the interest ratefor-profitRelationships with customers in the form of creditor-debtorIslamic bank products1. Courier (wadi'ah)2. Deposits (mudaraba)3. For the results: Musharaka (joint venture), al - muzara'ah, al - musaqah,4. Buying and selling: ba - as - salam, bai isthisna ', bai al - Murabahah, a - Ijara5. Services: Al-Wakalah, Al-Kafalah, Al-Hawalah, Ar-Rahn, Al-Qardh

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