Islamic banking
products
Some of the
product and services provided by the Sharia-based banks, among others:
deposit
- al-Wadiah (custody services), is the custody of funds where the depositor can withdraw funds at any time. With the system wadiah Bank is not obligated, but are allowed to give bonuses to customers. Bank Muamalat Indonesia-Shahibul Maal.
- Mudaraba deposits, customers save money in the bank within the time frame specified. Advantages of investing the bank's customer funds will be shared between the bank and the customer with a certain profit sharing ratio.
For results
- Al- Musharakah (Joint Venture), this concept was applied to the model of partnership or joint venture. Benefits achieved will be shared in an agreed ratio while losses will be shared based on the ratio of equity owned by each party. The fundamental difference is that in the mudaraba concept is no interference management mudharabah management while there is no interference
·
Al-Mudharabah is an
agreement between a provider of capital to entrepreneurs. Any benefits achieved
will be divided according to certain agreed ratios. The risk of loss is borne
fully by the Bank unless the losses caused by mismanagement, negligence and
irregularities such as misuse of the customer, fraud and abuse.
- Al-Muzara’ah the banks provide financing to clients who are engaged in agricultural / plantation on the basis of the results of the harvest[1].
- Al-mushaqah is a more simple form of muzara'ah, where the customer is only responsible for penyiramaan and maintenance, and in return customers are entitled to a certain ratio of the crop.
0 komentar:
Posting Komentar