Banking Syariah 1

     Banking syariah is everything that concerns about syariah banks and syariah business units, covering institutional, business activities, as well as the manner and process of conducting business. Syariah banks  is banking system business activities and operations based on Syariah. Syariah banks products is :

• Funding : Giro and Saving.
• Financing : KPR and Bailouts of  Hajj.
• Service : Wealth Management.

     Differences in the role of syariah banks and conventional banks is : 

• Syariah Banks

1. The role of Bank : Intermediation, Financial Service, Investor, and Manager.
2. Basic Principle of Operation : Profit.
3. Priority Service : Common Interests.
4. Orientation : Social and Profit.
5. Form : Investment.

•  Conventional Banks

1. The role of Bank : Intermediation and Financial Service.
2. Basic Principle of Operation : Interest.
3. Priority Service : Own Interests.
4. Orientation : Profit.
5. Form : Commercial + Investment and Banking. 

     Riba is extra money over the capital in a way that is not justified by syara. Types of riba is :

1. Nasii'ah is delay in payment of the debt to pay to the new tempo.
2. Fadlal is advantages of exchange of goods.
3. Al Yadd is delay of payment in exchange for goods.
4. Qardl is borrow money to someone with condition have surplus or profit.

     Differences profit and interest is :

• Profit

1. Based on a profit or loss.
2. Depending on the success of the project.
3. Division of profit increases an increased among of income.
4. There is no doubt the validity of the results.

• Interest

1. Assumptions are always profit.
2. Do not consider the profit or loss.
3. Do not increase even if profits doubled.
4. Existence of a interest is doubtful

Source : Workshop Economic Banking Syariah in Gunadarma University