Sharia Bank an institution in running its business based on the laws of Islamic law in accordance with the Qur’an and haids which includes aspects of life and finance, in Sharia bank transactions conducted must be based on Islamic religious teachings that suppress justice, transparency, and social welfare
In running its business Islamic banks have similarities with conventional banks the difference lies in
Profit Sharing by dividing profits between banks and nsasabah in accordance with the agreement of both parties in contrast to the interest applied to conventional banks that apply interest, interest and profit sharing have a significant difference, the model for hasli provides benefits for entrepreneurs when losses occur entrepreneurs are not charged interest ang must be paid when losses, in contrast to the interest of
Buying and selling (Murabaha) a form of loan with a principle similar to fundraising, where the bank buys the goods needed by the customer, after the goods move property rights, then the bank sells it to the customer, with the agreed profit
Lease (Ijarah) form of financing with the principle of rent at a predetermined time this model is commonly used in vehicle or property financing
Joint venture (Mudharaban) a model of cooperation anara bank where the bank as shahibul mal or the owner of the funds memebrikan money to the customer and provide opportunities for customers to work on a project, the bank gets a return on profits from the customer’s project with the amount according to the contract that has been dilakuakn
The Total assets of sharia banks in Indonesia were recorded at 924.42 trillion in October 2024 which continued to give the green light for growth of 13.7%. as of January 2025, the total assets of the Islamic finance industry are not yet available, the assets are expected to reach 3,157. 9 trillion in 2025, this value shows significant growth in the Islamic banking sector which continues to increase every year\
In increasing the assets of Islamic banking needs support from the community to increase understanding of increasing public interest in Islamic finance, continuous innovation by studying the needs of the community for Islamic finance such as mortgage financing, vehicles and business capital, with support from the government to have a positive impact on the development of Islamic banking according to regulations and policies
Sharia banking provides several offers including
Sharia savings that provide savings with the principle of profit sharing for the benefit of the bank
Islamic deposits one form of simpaanan futures similar to conventional banks with the principle of profit sharing
Sharia financing one form of financing such as home and business vehicle financing with a sale and purchase agreement, a lease that adheres to a profit sharing system
Islamic investment forms of investment in financial institutions in accordance with Islamic principles such as Sukuk Islamic bonds and Islamic mutual funds
Sharia insurance is a form of Financial Protection with the principle of helping toong where one nasbah pays monthly bills, for the convenience of the money distributed to those in need
Perbanakna Sharia terbnuka for all kalangna good for Muslims and non musilm by promoting kadalanakan and perceived benefit of all parties TANAP view religious background, with increasing perimntaan Society for financial products in accordance with the principles of Sharia perperkirakan this sector akna berkembagn along with high awareness elbih and increasingly strong support from various parties
Sharia banking is an alternative form that is increasingly being pressed in indonesia with the principle of justice and welfare that continues to grow and provide benefits to the community even though the journey is not easy but shows great potential in the future, and has an important role in the economy in indonesi