Nama: Moh. Khisbul Muzaqqi
Kls : HBS "A"
NIM : 11220001

                             Implementation and its application in banking

Calneh kafalah is the guarantee given by underwriters to a third party to meet obligations of parties second or borne. Among the form of banking transaction that can use calneh kafalah is bank guarantee. Technically the bank in this memberiakan reassurance to customers with respect to a labor contract or agreement between customer incomes with an agreed-upon kontrakkerja or agreement which has been agreed between customer incomes with a third party. The bank as an institution which give assurance will derive a benefit in the form of an increase in opinion over wages they underwrite as reward for services guarantees given. The mechanism for system banking principles kafalah can be applied in the form of guarantees by first started with an opening facilities that are determined by a bank on the basis of the results of the analysis and evaluation of customer will be given the facility. Facilities kafalah given will look at whether to pay an estimate of administrative commitment and kontinjen. The facilities granted in respect of the application of the principle of kafalah is bank guarantee facility and letters of credit. The function kafalah is the giving of a guarantee by the bank for the related parties to run their business in a more assured, so Amanda certainty in this endeavor or transaction, because with this guarantee the bank means it will take over the risk or liability of the customer, if the tort nasbah or negligent in fulfilling his obligations. The bank as an institution which guarantee this, will also obtain the benefits in the form of an increase in income over wages they receive in return for a service rendered, so that it will give contribution to the acquisition of their income.