Shari'ah Deposits

faisol haq

(11220082)

Covenants used in the Shari'ah is mudaraba deposits which are unrestricted investment deposits in the form of a third party in which Islamic banks may only be withdrawn at any given time by agreement between the customer and the owner (shahibul maal) with the bank (mudharib) with revenue sharing in accordance with the ratio agreed in advance. As mudharib, no bank guarantee customer funds unless arranged differently in the applicable legislation1.Mudaraba investment period will affect the percentage of the profit sharing ratio. For example, the ratio of time deposits with maturities of one month will be different from time deposits with maturities of three months and seterusnya2. In practice, the ratio between the bank (shahibul maal) with depositors (mudharib) wadi'ah a bonus for deposits by 30%, ratio of 40: 60 for savings deposits and ratio 45: 55 for deposits deposito3.

In the financing pattern of results, the bank and the customer will work together in a business, a bank as a financial institution will be involved in capital and customers as a principal economic activity will engage sabagai business executive. Both sides agree on if the obtained results of these efforts will be conducted in accordance with the profit sharing ratio or proportion of the agreed outcomes.

And there is a question, what if the business is financed menngalami loss? if there is a loss of revenue in the form of non-receipt (reward) as the outcome should be accepted. Staple financing provided by the bank to the customer are the responsibility of the customer to remain fully returned to the bank4.

reference:

1. Kodifikasi Produk Perbankan Syariah, Jakarta, Agustus 2007, Bank Indonesia.

2. ismail, Perbankan Syariah, Jakarta: Kencana, 2011, 97

3. Kasmir, Bank Dan Lembaga Keuangan Lainnya, Jakarta: Rajawali Pers, 2012, 169.

4. Laksamana, Yusak, Tanya Jawab Cara Mudah Mendapatkan Pembiayaan di Bank Syariah, Jakarta: Quanta, 2009, 54-55.