Created By:
Baerin Oktaviani (11220012)
Deposits in the context of Islamic banking
Accumulation in the Islamic banking products
contained in Law No. 10 of 1998 in addition to demand deposits and savings deposits
are also found. The term deposits are deposits which may be withdrawn at any
given time based on the agreement and bank depositors.[1]
Deposit products because it is intended as a means of investment,
then the practice of Islamic banking is only used mudharabah.
Through mudharabah this at the beginning of the agreement
specified how the profit sharing ratio for both the customers and the Islamic
banks them selves.[2]
In this case acts as mudharib Islamic Bank (capital management) while the customer as shahibul
maal (owners of capital). Thus the bank as a fund
manager can do business with and develop the fund does not conflict with
Islamic principles including conducting mudharabah with third parties.
In contrast to conventional
banks that reward depositors in the form of interest for the customers, then the Islamic banks benefits granted
to customers in the form of profit sharing ratio agreed with at the beginning
of the contract. Therefore,for
the time deposits that Sharia is based on the mudaraba contract, since the purpose of keeping funds in
the form of savings deposits to invest excess liquidity. It is well established in the DSN
03/DSN-MUI/IV/2000 Number of deposits.[3]
Therefore the position of Islamic Banking as mudharib
or manager of capital nature shall have a mandate, has the nature of prudence or
wisdom and goodwill and some thing are responsible for any errors or omissions in
case. Besides Islamic Bank also acts as the power of business owners expected capital
gain optimum benefit to not conflict with sharia.
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