DEPOSITS SHARIA (TRI AYU RIWAYANI (11220035))

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Deposits are deposits that may only be withdrawn at any given time based on the agreement between the depositor and the bank.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 .

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used in the savings deposit is in the form of third-party investment is not tied to Islamic banks may only be withdrawn at any given time by agreement between the customer and the owner of the funds by the bank in accordance with the sharing ratio agreed in advance.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In my opinion, this is different from savings deposits, lies the difference is when the withdrawal, deposits can be withdrawn at any given time, but the savings can be withdrawn at any time if needed.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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PROHIBITED BENEFITS RIBA (TRI AYU RIWAYANI (11220035))

PROHIBITED BENEFITS RIBA
1. Development of investment opportunities and prevent the use of savings for the purpose of un-Islamic.

2. Creates coordination and balance between the velocity of money and the production of goods

3. Realizing fair equality between property owners (capital) with business     

and bear the risk of daring and a sense of responsibility, this is what the definition of "Islamic justice"

Referensi :

1. Muhammad Hidayat,MBA. The Syaria Economic (Jakarta : Katalog dalam terbitan, 2010)

2. Prof. DR.H. Rachmat Syafei,MA. Fqh Muamalah ( Bandung : CV Pustaka Setia,2001)

3. Yusuf Qardhawi, 2001

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DONATION AND ALMS/CHARITY (TRI AYU RIWAYANI (11220035))

DONATION AND ALMS/CHARITY

Religious tax, donation and alms/charity deeds including recommended to be paid in the teachings of Islam. Worship is done by giving something that we have the benefit of others. Society generally blurred by the three terms that are often equate the three as ordinary charity. Actually, what is the difference religious tax, donation and alms?

donation is voluntary expenditure every time a person does get sustenance as much as he pleases. Donation actually more of an obligation of religious tax and rich Muslims.

Voluntary alms/charity is giving a person does to others, especially to the poor. Charitable institutions are very encouraged by the teachings of Islam to embed social life and reduce suffering of others. Charity with something good (thayyib) is a good thing and preferred.

SUMBER :

1.      Mohammad Hidayat.MBA. The Sharia Economic.(Jakarta : Katalog Dalam Terbitan,2010)

2.      Yons Achmad - dompet dhuafa

Friday, 29 June 2012 03:39 WIB

- See more at: http://zakat.or.id/inilah-perbedaan-zakat-infak-dan-sedekah-yang-wajib-anda-pahami/#sthash.Qi8vpLET.dpuf.

3. Prof. Dr. Abdul Aziz Muhammad Azzam dan Prof. Dr. Abdul Wahhab Sayyed Hawwas. Fiqh Ibadah. (Jakarta : AMZAH,2010)

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POSITION OF INTEREST BANK (TRI AYU RIWAYANI (11220035))

TRI AYU RIWAYANI (11220035)

POSITION OF INTEREST BANK

The existence illat diharamkannya usury law, according to the authors diharamkannya usury because of two thing :

a.       The existence of injustice, namely the disproportionate advantage. Actually it`s not a cause excess prohibition of usury, but rather because of the element of injustice.

b.      The exploitation of basic necessities or the gharar, uncertainty and speculation is hight,therefore,the interest is not prohibitied as long as it does not contain two element above.

Bank interest : the islmaic worldview

a.       Council of al-azhar`s islamic studies,cairo

Bank interest in all forms of loans is usury,which is forbidden. (DSI conference al-Azhar,Muharram,1385 H/May 1965 M)

b.      Interest rates prevailing in the conventional banking is usury, which is forbidden.(decision of the  9^th session no.6 Makkah 0.12 to 19 rajab,1406 H )

The conclusion is generally all people say that bank interest was usury, usury whereas it acts prohibited by Islam.

REFERENSI

Mohammad Hidayat.MBA. The Sharia Economic.(Jakarta : Katalog Dalam Terbitan,2010) .

Prof.DR.H. Rachmat Syafei,MA. Fiqh Muamalah.(Bandung: CV Pustaka Setia,2001).

Zainuddin Ali, Hukum Perbankan Syariah,( Jakarta: Sinar Grafika,2010)

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