Al-kafalah an
assurance given by the insurer (kafil) to third parties to fulfill the
obligations of both parties or incurred. In another sense, kafalah also means
shifting the responsibility of someone who is guaranteed to hold on to someone
else's responsibility as a guarantor. Basically a form of insurance contract
kafalah commonly run by company.
In the banking
application is technically the bank in this case guarantees to clients in
connection with contracts or agreements which have been agreed between the
customer and kontrakkerja or agreement agreed upon between the customer and the
third party. The bank as an institution that will guarantee to obtain an
opinion on the benefits of increased wages they received in exchange for
services duberikan guarantee.
In the banking
system mechanisms kafalah principles can be applied in the form of a guarantee
by first starting with the opening of the facility is determined by the bank on
the basis of the analysis and evaluation of the customer will be given the
facility. Kafalah facility which will visible ppada estimates given in the form
of administrative and contingent commitments.
Facilities
provided in connection with the application of the principle kafalah is issued
a bank guarantee and letter of credit facilities. Akafalah function is the
provision of a bank guarantee by the relevant parties to run their business
more Amanda guaranteed, so the lack of certainty in business or a transaction,
because with this guarantee means that the bank will take over nasbah risk or
liability, if the customer defaults or negligence in meet its obligations.
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