SIMPANAN FOR RESULTS IN THE BANK

Are you including people who believe that money can be obtained with a flash business, which means that without? I do not. My people did not believe that money can be obtained with a glance. But I have confidence that can be broken, precisely the time in 1998 monetary crisis. I will never forget the days when I can get money so easily, even without a business that means at all. What I do when the only money I deposit in a bank. Think of the money of Rp 100 million that I depositokan, Voila! one month and then changed to Rp 140 million!

So a question arises, what the bank is so much terrible pay interest equal to the deposit. Penah I do not know where the money I save dibank is invested, but not long after the answer came with the news liquidation banks. Including my bank, just depositonya I have cairkan first, and for the second time I again prosper. Some friends who nyangkut funds in the bank, must wait for many days and mengantri in a very long queue to take their money back. Bank-side is the most losers, only losers, but not total up to the wall have to be closed. Interest payment obligations outstanding at the extreme end of history has been the bank where I lay for many years.

Imagine if you are in a position penghutang bank earlier cases such as (and often not the case?). Obligation home loan repayments, car loans or credit cards that suddenly increase because the interest rates and the more severe meroket if you pay late, you can create a knock. That is the magic system of interest-bearing, can be very profitable on the one hand but the disadvantage of others.

This fact has been proved that the viability of conventional banks are always disturbed by the interest rate fluctuation. From where will the show needs a banking system that is not based on interest. The needs of the banking system based on sharia for the results, it seems more a respite from the conventional banking system. However, if the views of our glasses as the customers, whether profitable if we save money in the bank syariah? After so long with the conventional banking system interest rates, bank syariah system can provide greater benefits to customers? "No I did not know then," for us who are used to the system in the interest of conventional banks, they may feel doubt for the system with Sharia bank. However, despite the many doubts before, would that do us the feeling we learn with the products in the savings bank syariah.

Differences With Conventional Bank Bank Syariah

Sharia bank is a bank that operates according to sharia, or Islamic religious principles. In accordance with the principles of Islam which prohibits interest or usury system is burdensome, the bank operates according to sharia partnership in all business activities on the basis of equality and justice. The fundamental difference between Sharia bank with conventional banks, among others:

1. Differences in philosophy

Principal difference between conventional banks with sharia bank is located on the philosophical foundations of dianutnya. Bank syariah system does not implement all activities in the interest while the bank is of the kovensional. This is a very profound difference to the products developed by Sharia bank, where interest rates to avoid the system the system that was developed and is selling to buy a partnership that was conducted in the form of the results. Thus, in fact all types of commerce transactions through the bank is allowed provided that sharia does not contain elements of interest (usury). Usury means the system is simple or compound interest-bearing interest in all the process can lead to membengkaknya obligations as one of the snow-ball effect on the story at the beginning of this article. I highly profitable but for the fatal result banknya. Usury, it is the potential to lead to large profits disuatu but the loss of dipihak, or even to both.

2. The concept of Customer Management of Funds

Bank syariah system in customer funds managed in the form of titipan and investment. How titipan and investment clearly different from the conventional bank deposits on which the deposit is a mem-effort bungakan money. Titipan means that the concept of funds at any time the customer requires, the syariah bank should be able to fulfill, a result of funds titipan become very liquid. This is the high liquidity of the funds to make less qualified titipan an investment fund that need settling. Because the funding is not settling old alias cuma titipan the bank can not only provide lopsided results. Meanwhile, if the client is invested funds, the investment is because the concept of the business bears the risk, meaning that every opportunity to take advantage of the business conducted, there are also risks to accept losses, then between the customer and banknya equally share the benefits and risks .

In accordance with the bank as the intermediary function of financial institutions that fund distributor to the customer's storage customers the borrower, the funds collected to the customer how titipan or earlier investment and, to be distributed or used in commerce that allowed traksaksi the sharia system. Results from the benefit funds that were distributed to customers in a variety of businesses that will be distributed to customers. Results of the high and the larger the profits that is distributed to the bank and its customers. However, if the small automatic benefits also benefit the small bank that is distributed to customers. So the concept of sharing can only be run if the funds in a bank customer must first invest in the business, the business profits to be divided. Unlike the savings of bank customers in the conventional, no matter whether the savings in SALURKAN in business or not, the bank still must pay interest.

Thus the system makes the results for the size of the benefit received by the customer following the size of the Sharia bank profits. The big advantage of the Sharia bank also benefits customers. Unlike the conventional banks, benefits banknya not be distributed to customers. No matter whatever the amount of conventional bank profits, customers paid only a number of Percentage of funds are to be stored.

3. Responsibilities Managing Zakah

Sharia bank managers are required to be in the sense of charity that is obligatory to pay zakat, compile, and distribute mengadministrasikannya. This is the role and functions inherent in the Sharia bank to mobilize social funds (zakat. Infak, charity)

4. Organizational Structure

In the organizational structure of a Sharia bank required the Board of Supervisors Sharia (DPS). DPS duty oversees all bank activities in order to comply with the principles of sharia. DPS dibawahi by this Board of Syariah Nasional (DSN). Based on reports from DPS on each financial institution sharia, DSN can provide if reprimand institutions concerned depart. DSN can also submit recommendations to the authority of institutions such as Bank Indonesia and the Ministry of Finance to sanction.

How We Save Money On Bank Syariah

Before we have the very savings, giro and deposits of conventional banks. In the three products to the bank this bulanya each bank promised to pay some interest. Sharia in the bank also has a savings deposit products, and giro deposits only as our customers do not receive interest payments. In the bank syarah there are 2 ways that people can choose to save money, namely:


1. Titipan / Wadiah


Menitip is to give power to others to maintain the property / goods. Thus titipan how to involve the people entrust (the customer), the parties dititipi (Sharia bank), the goods dititipkan (client funds). Commend commerce business is not that common, unless the recipient must set titipan care or pay the cost of administration for penitip. So Titipan can meet the requirements of commerce prevalent. This means banks have to maintain and is responsible for the goods dititipkan because administrative costs are paid. Checking account at the bank syariah system is managed with the usual so titipan known as the Giro Wadiah, basically because the account is of public funds in the bank for the purpose of payment and penarikannya can be made at any time. This means only a gyro titipan customer funds, not the funds invested. However, funds in the customer's giro can be used by the bank during the sediment, but the customers want to withdraw it at any time the bank must pay. Titipan as a reward from the bank used by the sharia, customers can receive a bonus lopsided services. However, this bonus is not in front of diperjanjikan but depends on the policies associated with the bank pendapatn bank. Savings account that the daily conditions at any time can be also managed in a way titipan, as are similar to the gyro only penarikannya different mechanisms.


2. Investment / Mudharabah


Is a form of commerce where capital owners (customers) pay the capital to the manager (bank) arranged for the benefit will be divided in accordance with the agreement of both parties. While the losses, if there will be borne by the owner of capital. Thus the investment involves a capital owner (the customer), the capital (the bank), capital (funds) should be clear how the amount, the period of capital, or the type of work projects in biayai, the portion of the profits. Deposits in the bank syariah investment managed in a way or mudarobah, so that the normal is known as Deposit Mudharabah. Bank Syariah deposits do not pay interest to the depositor, but pay for the benefits that set the ratio. Some type of savings measure also managed in a way mudharobah such as savings and education savings days old, Hajj savings, this savings measure known normal term Mudharabah Education Savings Accounts, Savings Hajj. Savings-savings can not be withdrawn by the owner of funds before maturity so that is eligible to invest.

How to Get Customer Benefits

If the conventional banks to pay interest to customers, the Sharia bank profits to pay for the results in accordance with the agreement. Agreement for the results of this set with a ratio of the number or ratio. Ratio between a bank with its customers early in the set, for example, determined the portion of each of the 60:40, which means that the top results of the akan didisitribusikan of 60% for the customers and 40% for banks. Number ratio is easily the information you get to ask customer service or to come directly and see the display board "Perhitugan Sharing and Distribution" in the branch bank syariah.

What Customers Savings Bank Syariah Government Guaranteed

In the case of insurance against pemerintak third-party funds in the bank, the bank syariah have the same position with the conventional banks. Funds in Sharia bank customers still guaranteed the government in accordance with the provisions of funds for the government guarantee on bank customers.