Perbandingan Konsep Keuangan pada Bank Syariah dan Bank Konvensional

Miftahuddin Miftahuddin(1),


(1) Universitas Medan Area

Abstract


This paper attempts to review the comparison of the Islamic and Conventional Banks in Indonesia. There are 11 sub-topics which discuss on the concepts and matters related to both type of Banks. This include the elaboration about principles, products, institutions, time value of money, and interest versus profit-sharing. For each principles, it derived from the Al-Qur’an and Hadith. All explanations are the important points associated with the Islamic banks systems. With the examples and real simulation in calculations which presented in this article, each products can be understood comprehensively by the readers. This Islamic banking concept reveals the values, norms, and ethical aspects such as justice, fairness, trusworthy for the creditors and debitors that also bring goodness or maslahah to the society. It is expected that Islamic banks could deliver excellent services and compete internationally. With all the supports from stakeholders, the development and growth of Islamic banks is achievable.


Keywords


Islamic Banks, Conventional Banks, Riba, Islamic Values and Principles, Indonesia

Full Text:

PDF

References


Antonio, M.S. (2016), Bank Syariah, Dari Teori Ke Praktek, Cetakan ke 26, Gema Insani, Jakarta.

Arifin, Z. (2009), Dasar-dasar Manajemen Bank Syariah, Cetakan ke 7, Azkia Publisher, Jakarta.

Ascarya (2012), Akad dan Produk Bank Syariah, Cetakan ke 4, Raja Grafindo Persada, Jakarta.

Hameed, S. (2009), Accounting and Auditing for Islamic Financial Institutions, Kuala Lumpur: International Islamic University Malaysia

Irham, (2018), Pengantar Manajemen Keuangan, Bandung: Alfabeta

Kasmir (2010), Bank dan Lembaga Keuangan Lainnya, Edisi Revisi, Rajawali Pers, Jakarta.

Khan, S.R. (1988), “Henry George and an alternative Islamic land tenure systemâ€, Economic Development and Cultural Change, Vol. 36 No. 4, pp. 721-39.

Latumaerissa, J.R. (2011), Bank dan Lembaga Keuangan Lain, Salemba Empat, Jakarta.

Mannan, M.A. (1986), Islamic Economics: Theory and Practice, Hodder and Stoughton, Cambridge.

Mufti A. dan Sula, M.S. (2004), Amanah Bagi Bangsa Ekonomi Berbasis Syariah, Edisi Kedua Majelis Ulama Indonesia (MUI), Jakarta.

Otoritas Jasa Keuangan (OJK) (2016), Industri Jasa Keuangan Syariah, Seri Literasi Keuangan Perguruan Tinggi, Jakarta.

Otoritas Jasa Keuangan (OJK) (2019), Snapshot Perbankan Syariah Indonesia Tahun 2019. https://www.ojk.go.id/id/kanal/syariah/berita-dan-kegiatan/publikasi/Documents/Pages/Snapshot-Perbankan-Syariah-Indonesia-Maret-2019/Snapshot%20Perbankan%20Syariah%20Maret%202019.pdf

Ramzan, A.K. (1997), “Partnership financing of microenterprisesâ€, International Journal of Social Economics, Vol. 24 No. 12, pp. 1470-80.

Siddiqi, M.N. (1981), “Muslim economic thinking: a survey of contemporary literatureâ€, in Ahmad, K. (Ed.), Studies in Islamic Economics, The Islamic Foundation, Markfield, pp. 191-269.

Soemitra, A. (2014), Bank dan Lembaga Keuangan Syariah, cetakan ke 4, Kencana, Jakarta.




DOI: https://doi.org/10.34007/jehss.v2i2.86

Refbacks

  • There are currently no refbacks.


Copyright (c) 2019 Journal of Education, Humaniora and Social Sciences (JEHSS)

Creative Commons License
This work is licensed under a Creative Commons Attribution 4.0 International License.

Journal of Education, Humaniora and Social Sciences (JEHSS)

Publisher: Mahesa Research Center

Creative Commons License
This work is licensed under a Creative Commons Attribution 4.0 International Public License