Analisis Produk Produk Bank Syariah
DOI:
https://doi.org/10.57235/bima.v2i1.4948Keywords:
Produk-Produk, Bank SyariahAbstract
Produk-produk Bank Syariah merupakan instrumen keuangan yang beroperasi sesuai dengan prinsip-prinsip syariah Islam. Bank Syariah menawarkan berbagai produk penghimpunan dana seperti tabungan wadiah yang berprinsip titipan, tabungan mudharabah yang menerapkan sistem bagi hasil, serta deposito syariah yang memberikan imbal hasil berdasarkan akad yang disepakati. Dalam hal penyaluran dana, Bank Syariah menghadirkan pembiayaan murabahah untuk jual beli dengan margin yang transparan, pembiayaan musyarakah untuk kerjasama usaha dengan pembagian untung dan rugi yang adil, serta pembiayaan ijarah untuk sewa menyewa aset dengan biaya sewa yang jelas. Bank Syariah juga menyediakan layanan jasa seperti transfer, kliring, dan pembayaran yang dijalankan dengan akad wakalah atau ujrah. Keseluruhan produk ini dirancang untuk memenuhi kebutuhan finansial masyarakat sambil tetap menjaga kepatuhan terhadap hukum Islam, menghindari riba, gharar, dan maysir, serta mengutamakan prinsip keadilan dan kemaslahatan bersama.
References
Berdasarkan Fatwa DSN MUI No:04/DSN/MUI/IV/2000 Tentang Murabahah’, Jurnal Ekonomi Manajemen Akuntansi Keuangan Bisnis Digital, 2.2 (2023), 137–48 <https://doi.org/10.58222/jemakbd.v2i2.484>
Bawono, Anton, Milatunnikmah Finisia, and Rahajeng Oktaviani, ‘30 Jurnal Muqtasid’, 7 (2016), 29–53
Mashuri, ‘Analisis Keunggulan Produk Pembiayaan Perbankan Syariah’, Jurnal Iqtishaduna, 2015, 112–22
Nur Fajarriah Indah, Nilam Permata Sari, Riska Suainur Sona, and Aurelia Agatha, ‘Analisis Strategi Pemasaran Produk Perbankan Syariah Di Indonesia’, Jurnal Ekonomi, Akuntansi, Dan Perpajakan, 1.3 (2024), 152–62 <https://doi.org/10.61132/jeap.v1i3.251>
Downloads
Published
Issue
Section
Citation Check
License
- Authors certify that the work reported here has not been published before and contains no materials the publication of which would violate any copyright or other personal or proprietary right of any person or entity.
- Authors dont transfer or license the copyright of publishing to BIMA: Journal of Business Inflation Management and Accounting Research to publish the article in any media format, to share, to disseminate, to index, and to maximize the impact of the article in any databases.
- Authors hereby dont agree to transfer a copyright for publishing to BIMA: Journal of Business Inflation Management and Accounting a Publisher of the manuscript.
- Authors reserve the following:
- all proprietary rights other than copyright such as patent rights;
- the right to use all or part of this article in future works of our own such as in books and lectures;
- use for presentation in a meeting or conference and distributing copies to attendees;
- use for internal training by author's company;
- distribution to colleagues for their research use;
- use in a subsequent compilation of the author's works;
- inclusion in a thesis or dissertation;
- reuse of portions or extracts from the article in other works (with full acknowledgement of final article);
- preparation of derivative works (other than commercial purposes) (with full acknowledgement of final article); and
- voluntary posting on open web sites operated by author or author’s institution for scholarly purposes, but it should follow the open access license of Creative Common CC BY-NC License.
