Minggu, 08 September 2013
Syariah banks in indonesia
20.10
1 comment
in the world of
banking, Islamic banking is a bank that began growing rapidly at this time. The
early history of shariah banks applied in pakistan and malaysia the 1940s. Then
1963 in egypt standing islamic rural bank named ghamr bank. And 1975 stand
islamic bank in dubai, united arab emirates.
In indonesia shariah
banking formed in the 1990s initiated by mui on 18-20 August 1990. The first
islamic bank in indonesia was “bank muamalat Indonesia” standing on 1 november
1991. be the first and only islamic bank in Indonesia. Islamic banking is
growing rapidly in Indonesia.
It can be seen from
the number of syariah banks which appear now .
there are mandiri shariah, BNI Shariah, BRI shariah, BTN shariah etc.
the most fundamental difference between convensional bank and sharia banks is
of system of “akad” and the use of Islamic law in the sharia bank.
by: siti indah /11220022
The perspective of money
20.03
1 comment
The activities of the financial institution of finance either withdraw
funds, disburse the funds/other financial activities. The main point of
financial activity is money, because the money that made the core of the
activities of financial institutions.
Understanding money widely is
something that can be generally accepted as means of payment in a
particular area/debt/payment instrument as a tool for making purchases
of goods and services. In an increasingly modern economy like now this
money has a very important role for all community activities.
Money is a necessity, even money to be one of the determining the
stability and progress of the State sector in the economy. To meet the needs of the concerned State Government money through the
central bank has the right to create money, especially money katral.Similarly, with the money supply needs to be maintained in order for the
value of money remain stable. Then need money giral usually printed by
commercial banks.
As for the benefits that can be obtained with the
presence of money among other things:
1. make it easier to obtain and
select goods and services
2. Determine the value (price)
3. Streamline
the trading process
4. Used as a place to accumulate wealth
By
NOFA SYAM, Business Law of Sharia
Letter of credit import sharia
19.50
1 comment
Letter of credit import
sharia is a promise from the issuing bank to make payment or authorizes another
bank to make a payment to the recipient upon delivery of documents which comply
with the requirements of the letter of credit import Sharia. Letter of credit
import Sharia is a statement which will be paid to exporters, published by the
bank for the benefit of importers with certain fulfillment in accordance with
Sharia principles. That is the principle of wakalah and murabahah. The purpose
of the letter of credit to import the Sharia to help smooth the importer in
order to procure goods from overseas (for letter of credit import Sharia) and
the Interior as well as providing appropriate trade payment delay cycle. Letter
Of Credit is a banking product that not only exists on a conventional bank, but
also in Banking of sharia.
The mechanism of a letter of credit
imports syariah
1. Requirement of an object that is
secured the payment by a letter of credit imports industry:
Ø transaction is an obligation of
importers themselves. So that a letter of credit imports mustn ' t published
for something that is not an obligation importers, as for an activity
consumptive.
2. The determination of return for bank
services o in set the return that must be accepted by a bank should not be in
the form of a percentage, but it must be in the nominal amount fixed and the
number must be declared in early settlement.
Settlement of a letter of credit
import sharia :
Ø Settlement
of wakalah bil ujrah
Ø Settlement
of murabahah
Ø Settlement
of salam/ istishna’ and murabahah
Ø Settlement
of wakalah bil ujrah and mudharabah
Ø Settlement
of Musyarakah
Example the case as an example of a farmer named Mr. Pepper Ivan
Pratama wants to plant a pepper and require funds amounting to Rp 200 million,
to an acre. Islamic banks approve and conduct contract Toboali where Islamic
banks Toboali will buy the pepper results by as much as 10 tons at a price of
Rp 200 million,-. At maturity the farmer had to give up as many as 10 tons of
pepper. Later Islamic banking of sharia can sell pepper Toboali call with
relatively higher prices for example Rp 25,000 per. kilos. And than the bank is
earning 10 ton x Rp 25,000 to Rp 250.000.000,, =-. The results from Bank
Syariah Toboali will earn a profit of Rp 50.000.000,-. after deducting capital
granted by the islamic banking of sharia 250.000.000 Toboali i.e., reduced to
Rp 200,-.
Name : Nikmatul Rokhmah
NIM : 11220003
Financing Multiservice In Islamic Banking
19.32
No comments
A.-Siti Maghfirotul Ismaya (11220002) HBS A
A. Financing understanding multiservice
Financing is a multiservice provider of money or bills can be equated with a multiservice transaction was based on an agreement between the bank and its customers that require clients financing financing weeks to repay the debt after a period of time in accordance with the contract between the bank contract. Multiservice is the party that provide
Financing is a multiservice provider of money or bills can be equated with a multiservice transaction was based on an agreement between the bank and its customers that require clients financing financing weeks to repay the debt after a period of time in accordance with the contract between the bank contract. Multiservice is the party that provides facilities can be taken advantage of by the customer, while the financing for a period of time period agreed upon by the bank and the customer.
Financing provided by Islamic banks to customers in a benefit or a service. Therefore in order to survive and compete with other financial industry, Islamic banking should be sensitive in responding to changing trends society certainly needs by providing banking facilities or services which are not only to be competitive but must be in accordance with Islamic principles.
Financing provided by Islamic banks to customers in a benefit or a service. Therefore in order to survive and compete with other financial industry, Islamic banking should be sensitive in responding to changing trends society certainly needs by providing banking facilities or services which are not only to be competitive but must be in accordance with Islamic principles.
The multiservice object is enjoyed by customer services, multiservice financing is a form Among remittance, money exchange ( Sharf ), issuance of bank guarantees, the issuance of letters of credit, pawn gold (rahn), credit card transactions
In principle, these multiservice financing refers to the concept of Ijarah (ujrah), which means payment for a service, therefore, in a multiservice bank financing typically use Ijarah contract or agreement kafalah or a combination of both tersebut. Berbeda with the provisions of the contract amount of a distribution ratio of the scheme mudharaah or musharakah ujrah magnitude set by the bank should not be in the form of percentage but directly in the form of rupiah. bigness ujrah also be determined in advance and set forth in the contract.
Multiservice financing transactions may include investments in mudharabah or Musharakah, Ijarah, leasing transactions in the contract or lease with option to transfer ownership in Ijarah contract Muntahiyah bit Tamlik ( IMBT ), transaction purchase the murabahah contract and istishna greeting, dealings borrow in Qardh scheme, multiservice transaction using ijarah contract or kafalah, based on an agreement between the bank and its customers that require clients financing financing debts / obligations or settle or musharakah and mudarabah investment management results appropriate with contact.
B. B. Legal basis of multiservice Financing
“Hey who believe, do not violate greatness Allah and do not violate the forbidden months do not intrude animals had yes, and the beasts Qalaa id and not also annoy people those who visit the House of God are they looking for and lowness gift from God and when you have completed the pilgrimage, then hunt so-so . and let not the hatred of you to something people because they hinder you from the Sacred Mosque lead you transgress to them. And please repeatedly help you in doing virtue and piety , and do not help one in sin and transgression. And keep your duty to Allah, Allah is intense severe in punishment.”
C. Financing Type Of Multiservice
a. Hiwalah : Using the concept Hiwalah Is the transfer of customer accounts (Muhal) to bank (Muhal alaih) that have the dutry of person build f bond. Upon help pay for the bank customer accounts paid in advance, the bank may ask for payment services to customers by taking into account the magnitude of the risk if the receivable is not collectible. Type hiwalah : Hiwalah Dain, Hiwalah Haqq.
b. Pledge (Rahn) : In acting as the lien lenders borrowers mortgaged their property to the lender of the mortgage debtor to obtain some money from creditors. This is in accordance with the Shariah board of the National Fatwa No. 25/DSN-MUI/III/2002. Rahn types: Rahn Iqar, Rahn Hiyazi
c. Letter Of Credit (L/C) : Import Sharia Is a statement that will be paid to the exporter (beneficiary) issued by a bank (issuing bank) at the request of importers to the fulfillment of certain requirements.
d. Al-Wakalah : Namely submission, assignment, or delivery mandate meaningful devolution of power by one party to another in the things represented.
e. Al-Kafalah : Namely the guarantees given by the insurer ( kafil ) to third parties to fulfill the obligations of the two or incurred . Kafalah also means shifting the responsibility of someone who is guaranteed to hold on the responsibility of someone who is guaranteed to hold on to someone else's responsibility as a guarantor.
f. Qardh : Which lend to others without expectation of reward or no financial gain.
D. Financing goal multiservice
a. Multiservice products through Islamic banks get the convenience of managing their liquidity due to channel financing to meet customers' needs for services sharia justified.
b. For customers multiservice product is a source of funds for the needs of the customers for specific services such as education and health and other services that are sharia
E. Risk Financing multiservice
a. If the debtor defaults
b. Also can market risk occurs when financing commercial multiservice to trasaksi dierikan in foreign currency that DAPT derived from exchange rate movements
F. Financing provisions multiservice
a. Multiservice payment is permissible (allowed but not required) to use the ijarah contract or kafalah
b. In terms of LKS using the ijara contract must mengikutu all provisions yangada fatwa at ijara
c. In terms of LKS using kafalah contract, it must meet all the provisions in the fatwa kafalah
d. In both the multiservice financing, LKS can memeproleh fee ( ujrah ) or fee
e. Ujrah large or fee to be agreed at the beginning stated in nominal terms rather than in terms of percentage
REFERENSI
Irma Devita Purnamasari. Suswinarno. 2009..Akad Syariah. Bandung : Kaifa Muhammad. 2009. Model-Model Akad Pembiyaan di Bank Syariah. Yogya: Uii Press
Usman, Rachmadi. 2007. Produk N Akad Perbankan Syariah Diindonesia. Bandung : Citra Aditya Bakti
Langganan:
Postingan (Atom)
