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Perkembangan Sistem Perbankan Syariah

Perkembangan Sistem Perbankan Syariah. Pengertian Bank. Financial intermediaries between fund surplus parties and fund minus parties. Pengertian Bank Syariah. Bank yang beroperasi dengan menggunakan prinsip-prinsip yang sesuai dengan syariah Islam: Prohibite riba (Discussed more on Chapter 2)

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Perkembangan Sistem Perbankan Syariah

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  1. Perkembangan Sistem Perbankan Syariah

  2. Pengertian Bank Financial intermediaries between fund surplus parties and fund minus parties

  3. Pengertian Bank Syariah • Bank yang beroperasi dengan menggunakan prinsip-prinsip yang sesuai dengan syariah Islam: • Prohibite riba (Discussed more on Chapter 2) • Prohibite gharar • Prohibite maisir

  4. Pentingnya Sistem Perbankan Syariah • Kepatuhan terhadap syariah Islam • Memenuhi kepentingan pendanaan dan investasi bagi umat Islam • Memenuhi permintaan individu dan kebutuhan komersial • Menyemangati inovasi keuangan yang sesuai dengan syariah • Tidak mengalami negative spread

  5. Sejarah Perkembangan Bank Syariah • 1960’s Mit Ghamr Bank • 1975 Islamic Development Bank • Islamic Research and Training Institute • 1970-1980 Islamic Bank in some countries (Malaysia, 1983) • 1990 The first Islamic Bank in Indonesia

  6. Indonesian Islamic Bank Outlook • Please refer to Statistik Perbankan Indonesia (July 2007)

  7. Faktor-faktor yang mempengaruhi perkembangan sistem perbankan syariah • Perubahan Legal, political dan ekonomi secara internasional • Islamisasi dan reformasi institutional (pakistan iran, sudan, malaysia, indonesia) • Internasionalisasi organisasi-organisasi Islam (OKI, IDB, dll) • Respon internasional untuk memperoleh modal /dana dari negara-negara Islam yang kaya minyak (contoh: citibank, dll).

  8. Sistem Operasi Bank Syariah • Full Fledge • Dual Banking System • Islamic Windows • Office Channeling

  9. Prinsip Dasar Perbankan Syariah • Depository • Profit Sharing • Sale & Purchase • Operational and Financial Lease • Fee Based Services

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