REPUBLIKA.CO.ID, Assalammu'alaikum
I want to ask, I often hear the term "Islamic banks to borrow money at all. No interest". So what means we borrow Rp 1 million and Rp 1 million paid too?
Then where the Islamic bank profits? Then there's also the term "liability if loss equally. Lucky if ya equally well"? What is the purpose of it? Thank you. Please enlightenment.
Yours respectfully
Heykal
Answer:
Wa'alaikumussalam wr wb
Mas Heykal Dear, thank you for the question. Insha Allah Islamic Bank free of interest or usury. However,
it does not mean if you get the financing (financing = conventional
bank loans) of Islamic banks amounting to Rp 1 million, pay it is
USD 1 million as well. Islamic banks, in their operations instead of the system of interest using a number of models in its operations contract. This
no-contract contract that are for results such as mudaraba and
Musharaka, contract-contract related to the sale and purchase as
murabaha, salam, istishna, contract related to such lease ijara, and is
also associated with the mortgage contract or agreement Rahn and qardhul
hasan.
Sharing
contract, is an agreement that benefits the bank in the form of revenue
sharing venture, which is adapted to deal nisbahnya eg 70:30; 65:35 or
60:40 depending on the agreement. For example, a company taking of financing from banks amounting to USD 100 million, with a profit sharing ratio of 70:30. If
the businessmen of the capital profit of Rp 100 million, then the
employer must restore the basic capital of Rp 100 million, plus 70
percent of profits.
For example, the sale and purchase agreement that an entrepreneur needs capital to buy machinery worth USD 100 million. Because he is unable, then agreed to buy by Islamic banks first. Further
suppose that Islamic banks to take profit by 25%, then the total
financing entrepreneurs in Islamic banks amounted to USD 125 million,
this amount if paid in installments for 3 years then divided into 36 or
about 3.472.222/bulan.
There is another contract or hasan qardhul we mean by the good loans. Ie
if a person is sick and in need of loan funds in Islamic banks amounted
to Rp 1 million, then that person only needs to return the $ 1 million
alone. If Islamic banks take an extra on the loan, then it is the same with flowers. For
now, qardhul hasan financing in Islamic banks only charged
administrative costs and no additional charges or other revenue sharing.
Thus, interest-free Islamic banks does not mean necessary financing back Rp 1 million to Rp 1 million. It depends what the contract used in financing proficiency level.
Wassalaamualaikum wr wb
http://www.republika.co.id/berita/konsultasi/klinik-syariah/13/04/04/mkq1u6-pinjam-uang-di-bank-syariah
http://www.alkhoirot.net/2012/04/hukum-bank-konvensional-dalam-islam.html
I think with the development of Islamic banking in Indonesia allows us to transact at the bank based on Islamic Sharia law. By sharing system oriented to the world hereafter, if we borrow the money in Islamic banks profits are shared. In contrast to conventional bank-oriented world alone, with systems containing elements of usury interest. Previously permitted conventional banks because Islamic banks are not so well known at the time by many Islamic banks at the time of the transaction in the bank's conventional containing elements of usury by lending the money using a double interest in religion is forbidden. But did not rule on bank transactions to be allowed in conventional religion if the inside does not contain elements of usury
BalasHapus