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Pengertian Bank Syariah

Sharia
28 Feb 2024
Prinsip Syariah adalah prinsip hukum Islam dalam kegiatan perbankan berdasarkan fatwa yang dikeluarkan oleh lembaga yang memiliki kewenangan dalam penetapan fatwa di bidang syariah.

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Fungsi utama Bank Syariah

adalah menghimpun dan menyalurkan dana masyarakat. Penghimpunan dana dapat dilakukan berdasarkan prinsip akad wadi’ah (titipan) dalam bentuk Tabungan, Giro, dan Deposito berdasarkan prinsip akad mudharabah dalam bentuk Tabungan dan Deposito maupun Giro.

Adapun penyaluran dana dalam bentuk pembiayaan berdasarkan prinsip usaha patungan (musyarakah), jual beli barang dengan memperoleh keuntungan (murabahah) atau pembiayaan barang berdasarkan prinsip pesanan dengan pembayaran tangguh dan angsuran (istishna), gadai atas barang berharga (rahn), sewa atas milik (ijarah/IMBT) serta kegiatan usaha lainnya.

Keistimewaan Bank Syariah

  1. Landasan operasional Bank Syariah berdasarkan prinsip-prinsip Syariah

  2. Sebagai lembaga Intermediasi

  3. Dapat berfungsi sebagai agen investasi atau manager investasi

  4. Sebagai investor

  5. Penyedia jasa lalu lintas pembayaran

  6. Sebagai pengelola dana kebajikan atau ZIS

  7. Hubungan dengan nasabah sebagai mitra kerja


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