PERBEDAAN BANK ISLAM DAN BANK KONVENSIONAL BANK

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PERBEDAAN BANK ISLAM DAN BANK KONVENSIONAL BANK Powered By Docstoc
					NAME : ERWIN SHOLI PUTRA

ID         :1111082100010




              Differences Islamic Banks With Conventional Banks

         The fundamental difference between Islamic banks from conventional banks in
         general the two concepts n the camely the system concept and the concept of
         reward system.

         1. Difference between conventional banking system concept and the Islamic bank
         can be seen in the following comparison table below.

           ISLAMIC BANKS                     CONVENTIONAL BANKS
        Based on the profit margin          Using the device of interest
                                              and or for the results

        Profit dan falah oriented             Profit oriented

        Relationships with customers          Relationships with customers
         in the form of partnership             in the form of the relationship
         relationship                           of debtor - creditor

        Users of real funds                   Creator of money suplly

        Conduct an investment - an            Investment halal and haram
         investment that only halal

        mobilization and                      There is no Sharia
         disbursement of funds shall be         Supervisory Board, or the like
         in accordance with Islamic
         law are supervised by a
         Shariah Supervisory Board
2.   Difference between the concept of return of Islamic banks use profit-sharing system and
the conventional banks are using the system of interest can be seen in the following table

     INTEREST (CONVENTIONAL                 PROFIT-SHARING (ISLAMIC
               BANKS)                                  BANKS)
       Determination of interest             The determination of the ratio
        made at the time the contract          of profit sharing at the time
        without referring to the profit        the contract was made with
        and loss..                             reference to the possibility of
                                               profit and loss.

         The determination of the ratio        The magnitude of the ratio of
          of profit sharing at the time          profit sharing is based on the
          the contract was made with             amount of profits earned.
          reference to the possibility of
          profit and loss.

         fixed interest payments as            For keunungan results
          promised without any                   depending on the project.
          consideration of whether the           Were it not for the benefit
          project being undertaken by            ditanggng loss will be shared
          the client profit or loss..            by both parties.

         Total interest payments are           The number of profit-sharing
          not increased or even doubled          increases with the increase in
          the amount of benefits the             total revenues.
          economy is "booming"

         The existence of interest is          There is no doubting the
          doubtful (if not condemned)            legitimacy of profit-sharing.
          by all AGMA including Islam.

				
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posted:11/10/2013
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