1 / 8

SISTEM OPERASIONAL BANK SYARIAH

SISTEM OPERASIONAL BANK SYARIAH. DEWI NURUL MUSJTARI FAKULTAS HUKUM UMY. - Giro wadiah - Tabungan mudharabah. Zakat. Pemilik Bank. bagi hasil & bonus. Nasabah Deposan. bagi hasil. Sistem Operasional. Simpanan. Modal. Bank Syariah. Equity Financing /PLS. Debt Financing (Jual beli).

delano
Download Presentation

SISTEM OPERASIONAL BANK SYARIAH

An Image/Link below is provided (as is) to download presentation Download Policy: Content on the Website is provided to you AS IS for your information and personal use and may not be sold / licensed / shared on other websites without getting consent from its author. Content is provided to you AS IS for your information and personal use only. Download presentation by click this link. While downloading, if for some reason you are not able to download a presentation, the publisher may have deleted the file from their server. During download, if you can't get a presentation, the file might be deleted by the publisher.

E N D

Presentation Transcript

  1. SISTEM OPERASIONAL BANK SYARIAH DEWI NURUL MUSJTARI FAKULTAS HUKUM UMY

  2. - Giro wadiah - Tabungan mudharabah Zakat Pemilik Bank bagi hasil & bonus Nasabah Deposan bagi hasil Sistem Operasional Simpanan Modal Bank Syariah Equity Financing /PLS Debt Financing (Jual beli) Bank Syariah bagi hasil profit margin • Murabahah • Salam • Isthisna • Ijarah • Mudharabah • Musyarakah Qardhul Hasan Fee Pinjaman kebajikan

  3. Prinsipproduk/jasa bank syariah • Bagihasil (untung/rugi)  musyarakah • Jualbeli  murabahah • Sewa ijarah • Pinjamantanpatambahanapapun  qardl • Dll. • Produk/jasa bank syariah • Pendanaan • Pembiayaanberbasisbagihasildan non bagihasil • Pelengkap • Jasapelayanan • Fungsisosial (menerimadanmenyalurkan ZIS) Operasional Bank Syariah

  4. PRINSIP DASAR OPERASIONAL BANK SYARIAH ANTI MAGHRIB

  5. PERBEDAAN OPERASIONAL BANK SYARIAH DENGAN BANK KONVESIONAL BANK SYARIAH Menerima pendapatan Pembayaran bagi hasil Bagi hasil / Margin Bagi hasil / Margin Tergantung pendapatan / hasil yg diterima Shahibul maal Mudharib Shahibul Maal Mudharib Penghimpunan dana Penyaluran dana Penyaluran dana Penghimpunan dana Deposan Deposan Bank Bank Nasabah debitur Nasabah debitur Membayar bunga deposito tetap Menerima bunga kredit tetap Tidak ada pengaruh pendapatan yang diterima BANK KONVENSIONAL

  6. PRINSIP AKAD PADA PRODUK BANK SYARIAH AKAD Tabarru’ Not for profit transaction Tijarah For profit transaction Natural Uncertainty Contracts Natural Certainty Contracts Qard Wadiah Wakalah Kafalah Rahn Hibah Waqf • Musyarakah (Wujuh, inan abdan, muwafadhah, mudharabah) • Murabahah • Salam • Istishna’ • Ijarah Certain Cash flow ; amount & timing Uncertain cash flow ; amount & timing

  7. PRINSIP AKAD PADA PRODUK BANK SYARIAH Pada praktek perbankan, akad tabarru’ selalu disertai dengan akad tijarah Akad Tabarru’ giving/lending something Lending $ Lending Your Self Giving Something lending yourself now to do something on behalf of others lending $ Hibah, Shadaqah,Waqf Qard Wakalah lending $ + collateral Rahn wakalah, by specifying the job, i.e. to provide custody Wadi’ah lending $ to take over loan from other party contingent wakalah,i.e. preparing yourself to do something if something happens Hiwalah Kafalah

  8. Natural Certainty Contract PRINSIP AKAD PADA PRODUK BANK SYARIAH AKAD TIJARAH Natural Uncertainty Contract Musyarakah Mudharabah Murabahah Ijarah Salam Ishtishna ISLAMIC FINANCING ISLAMIC FINANCING + ISLAMIC DEPOSIT ISLAMIC FINANCING

More Related