DEPOSITS SHARIA
Deposits are deposits that
may only be withdrawn at any given time based on the agreement between the
depositor and the bank. contract
used in Islamic deposits
are:
a. mudarabah
Mudharabah called the owner of the property (equity) capital handed to employers to trade with the capital. And profits are shared between the two based on the condition agreed .
Mudharabah called the owner of the property (equity) capital handed to employers to trade with the capital. And profits are shared between the two based on the condition agreed .
While mudharabah used
in the savings deposit is in the form
of third-party investment is not tied to Islamic banks may only be withdrawn at any given time by
agreement between the customer and
the owner of the funds by the bank in accordance with the sharing
ratio agreed in advance. As mudharib, no bank guarantee customer
funds unless regulated
differently in legislation.
In
my opinion, this
is different from savings deposits,
lies the difference is when the withdrawal, deposits can be withdrawn at any
given time, but the savings
can be withdrawn at any time if needed. And this is based on the
principle of mudaraba deposits
mutlaqoh.
Referensi :1 Prof. DR.H. Rachmat Syafei,MA, Fiqh
Muamalah (Bandung: CV Pustaka Setia,2001)
2. Kodifikasi-perbankan Syariah
Indonesia,(Bank Indonesia)
3 simulasideposito.com/dp-deposito-syariah.php
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