TUGAS PERBANKAN (siap)

7/21/2019 TUGAS PERBANKAN (siap)

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KONSEP DASAR

MUHAYMINAH

147005022

ADRI HARIADI

147005063SRIAYU ARITHA PANGGABEAN

147005087

PERBANKAN SYARIAH



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LATAR BELAKANG

LAHIRNYA BANK SYARIAH

2

Tahap Terakhir : Surat (2) Al Baqarah ayat 278-279

Al Qur’an melarang riba alam ! tahap:

Tahap "ertama : Surat (#$) Ar %um ayat #9

Tahap &eua : Surat (!) An 'ia’ ayat *$-*

Tahap &etiga : Surat (#) Ali +mran ayat #$



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Pembahasan

3

Suatu bentu a!a" e#n#$% &a'a( )an $e(ant%"%'$e* +an, #"e-

bebe(a&a e#n#$ )%'ebut 'eba,a% .a&%ta"%'$e I'"a$.* te"a-$u"a% be(e$ban, anta(a aba) e/8 )an e/12 Pe(e#n#$%an

$#nete( &a)a &e(%#)e te('ebut be()a'a(an $ata uan,

)%na( +an, be(e)a( "ua' 'aat %tu* +an, $en+atuan !%"a+a-/!%"a+a-

+an, 'ebe"u$n+a %n)e&en)en 'ea(a e#n#$%

Pa)a aba) e/20* e"a-%(an &e(banan '+a(%a- t%)a te("e&a' )a(%-a)%(n+a )ua ,e(aan (ena%'an' I'"a$ $#)e(n* +a%tu ,e(aan/,e(aan

ne#(e%a"%' )an $#)e(n%' Se%ta( ta-un 140/an* )% Pa%'tan )an

Ma"a+'%a te"a- te()a&at u&a+a/u&a+a &en,e"#"aan )ana a$aa- -a%

'ea(a n#n #nen'%#na" Ta-un 163* I'"a$% Ru(a" Ban be()%(% )%

)e'a M%t G-a$( )% a%(#* Me'%(



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Ban '+a(%a- &e(ta$a be()%(% )% In)#ne'%a* 'e%ta( ta-un 12

)%)a'a(an &a)a UU n# 7 ta-un 12 'eba,a% "an)a'an -uu$

ban )an Pe(atu(an Pe$e(%nta- n# 72 ta-un 12 tentan,

Ban U$u$ be()a'a(an &(%n'%& ba,% ba'%"* 'eba,a% "an)a'an

-uu$ Ban U$u$ S+a(%a- )an Pe(atu(an Pe$e(%nta- n#$#(

73 tentan, Ban Pe((e)%tan Ra+at be()a'a(an &(%n'%& ba,%

ba'%" 'eba,a% "an)a'an -uu$ Ban Pe((e)%tan Ra+at

S+a(%a-

Se'ua% )en,an &e(e$ban,an &e(banan* $aa UU n# 7

ta-un 12 tentan, &e(banan )%'e$&u(naan )en,an UU n#

10 ta-un 18 tentan, Pe(uba-an UU n# 7 ta-un 12 tentan,

&e(banan Da"a$ un)an,/un)an, n#$#( 10ta-un 18 te('ebut te1a- te(au& -a"/-a" +an, be(a%tan

)en,an &e(banan

'+a(%a-



A&a

Permasalahan



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Defenisi Perbankan SyariahMenu(ut UU n# 10 ta-un 18 &a'a" 1 a+at 1 Pe(banan a)a"a-

'e,a"a 'e'uatu +an, $en+an,ut tentan, ban* $enau&

e"e$ba,aan* e,%atan u'a-a 'e(ta a(a )an &(#'e' )a"a$$e"a'anaan e,%atan u'a-an+a

Se)an,an ban a)a"a- ba)an u'a-a +an, $en,-%$&un )ana )a(%

$a'+a(aat )a"a$ bentu '%$&anan )an $en+a"u(ann+a e&a)a

$a'+a(aat )a"a$ bentu (e)%t atau bentu bentu "a%nn+a

)a"a$ (an,a $en%n,atan ta(a -%)u& (a+at ban+a 9&a'a" 1 a+at2:

Pe(banan S+a(%a- a)a"a- 'uatu '%'te$ &e(banan +an,

&e"a'anaann+a be()a'a(an -uu$ I'"a$ 9'+a(%a-: Pe$bentuan

'%'te$ %n% be()a'a(an a)an+a "a(an,an )a"a$ a,a$a I'"a$ untu

$e$%na$an atau $e$un,ut &%na$an )en,an $en,enaan bun,a &%na$an 9(%ba:* 'e(ta "a(an,an untu be(%ne'ta'% &a)a u'a-a/u'a-a

be(ate,#(% te("a(an, 9-a(a$: S%'te$ &e(banan #nen'%#na" t%)a

)a&at $ena$%n ab'enn+a -a"/-a" te('ebut )a"a$ %ne'ta'%n+a*

$%'a"n+a )a"a$ u'a-a +an, be(a%tan )en,an &(#)u'% $aanan

atau $%nu$an -a(a$* u'a-a $e)%a atau -%bu(an +an, t%)a I'"a$%*

)an "a%n/"a%n



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Tujuan Penirian Bank Syariah

7

U$at I'"a$ $e$e("uan &e(banan beba' bun,a* t%)a

be('%at '&eu"at% )an &e$b%a+aan e,%atan u'a-a (%%"!

Ban '+a(%a- )%)%(%an untu $e$&(#$#'%an )an

$en,e$ban,an a&"%a'% )a(% &(%n'%&/&(%n'%& I'"a$*

'+a(%a- )an t(a)%'%n+a e )a"a$ t(an'a'% euan,an )an

&e(banan 'e(ta b%'n%' "a%n +an, te(a%t* )en,an &(%n'%&uta$a be(u&a

• Pen"hinaran riba

• Per#lehan keun$un"an yan" sah menuru$ syariah an

• %enyuburkan &aka$



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Pen"er$ian Prinsi' Syariah

8

Pe(banan '+a(%a- $e$%"%% tuuan +an, 'a$a 'e&e(t% &e(banan

#nen'%#na"* +a%tu a,a( "e$ba,a &e(banan )a&at $en,-a'%"an

euntun,an )en,an a(a $e$%na$an $#)a"* $en+%$&an )ana*$e$b%a+a% e,%atan u'a-a* atau e,%atan "a%nn+a +an, 'e'ua%

P(%n'%& '+a(%a- a)a"a- aturan perjanjian berdasarkan hukum Islam

anta(a ban )an &%-a "a%n untu &en+%$&anan )ana )an atau

&e$b%a+aan e,%atan u'a-a* atau e,%atan "a%nn+a +an, )%n+ataan'e'ua% )en,an '+a(%a-

P(%n'%& -uu$ I'"a$ $e"a(an, un'u(/un'u( )% ba!a- %n% )a"a$

t(an'a'%/t(an'a'% &e(banan te('ebut

1Pe(n%a,aan ata' ba(an,/ba(an, +an, -a(a$2Bun,a 9;<= (%ba:

3Pe(u)%an )an '&eu"a'% +an, )%'en,aa 9>?@ $a%'%(:* 'e(ta

4et%)ae"a'an )an $an%&u"at% 9=> ,-a(a(:



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K#nse' Dasar Perbankan Syariah

Ti$i'an a$au sim'anan

Al()ai*ah 9a'a &en%t%&an: a)a"a- a'a &en%t%&an )ana )%$ana &en%t%&)a&at $en,a$b%" )ana te('ebut 'e!atu/!atu Den,an '%'te$ !a)%a-

Ban t%)a be(e!a%ban* na$un )%&e(b#"e-an* untu $e$be(%an

b#nu' e&a)a na'aba-

De'#si$# %uharabah+ na'aba- $en+%$&an )ana )% Ban )a"a$

u(un !atu +an, te(tentu euntun,an )a(% %ne'ta'% te(-a)a& )ana

na'aba- +an, )%"auan ban aan )%ba,%an anta(a ban )an na'aba-)en,an n%'ba- ba,% -a'%" te(tentu

Ba"i hasil

Al(%usyarakah 9C#%nt entu(e: euntun,an +an, )%(a%- aan )%ba,%

)a"a$ (a'%# +an, )%'e&aat% 'e$enta(a e(u,%an aan )%ba,%

be()a'a(an (a'%# eu%ta' +an, )%$%"%% $a'%n,/$a'%n, &%-a

Pe(be)aan $en)a'a( )en,an a"/$u'+a(aa- %a"a- )a"a$ #n'e& %n% a)a

a$&u( tan,an &en,e"#"aan $anae$enn+a 'e)an,an $u)-a(aba-

t%)a a)a a$&u( tan,an

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.ual beli

Bai/ Al(%urabahah a)a"a- &en+a"u(an )ana )a"a$ bentu ua" be"%

Ban aan $e$be"%an ba(an, +an, )%butu-an &en,,una a'a e$u)%an$enua"n+a e$ba"% e &en,,una a'a )en,an -a(,a +an, )%na%an

'e'ua% $a(,%n euntun,an +an, )%teta&an ban* )an &en,,una a'a

)a&at $en,an,'u( ba(an, te('ebut Be'a(n+a an,'u(an "at 'e'ua% aa)

)%a!a" )an be'a(n+a an,'u(an-a(,a &## )%ta$ba- $a(,%n +an,

)%'e&aat%

Bai/ As(Salam+ Ban aan $e$be"%an ba(an, +an, )%butu-an )%

e$u)%an -a(%* 'e)an,an &e$ba+a(an )%"auan )% $ua Ba(an, +an,

)%be"% -a(u' )%uu( )an )%t%$ban, 'ea(a e"a' )an '&e'%%* )an

&eneta&an -a(,a be"% be()a'a(an e(%)-aan +an, utu- anta(a e)ua

be"a- &%-a

Bai/ Al(Is$ishna $e(u&aan bentu A'/Sa"a$ -u'u' )% $ana -a(,a

ba(an, b%'a )%ba+a( 'aat #nt(a* )%ba+a( 'ea(a an,'u(an* atau )%ba+a(

)% e$u)%an -a(% Ban $en,%at $a'%n,/$a'%n, e&a)a &e$be"% )an

&enua" 'ea(a te(&%'a-* t%)a 'e&e(t% A'/Sa"a$ )% $ana 'e$ua &%-a

)%%at 'ea(a be('a$a 'ea 'e$u"a



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Al(Ijarah a)a"a- aa) &e$%n)a-an -a ,una ata' ba(an, )an a'a $e"a"u%

&e$ba+a(an u&a- 'e!a* tan&a )%%ut% )en,an &e$%n)a-an e&e$%"%an ata'

ba(an, %tu 'en)%(%Al(Ijarah Al(%un$ahia Bi$(Tamlik 'a$a )en,an %a(a- a)a"a- aa)

&e$%n)a-an -a ,una ata' ba(an, )an a'a $e"a"u% &e$ba+a(an u&a- 'e!a*

na$un )%$a'a a-%( 'e!a te(a)% &e$%n)a-an e&e$%"%an ata' ba(an, 'e!a

.asa

Al()akalah a)a"a- 'uatu aa) &a)a t(an'a'% &e(banan '+a(%a-* +an,$e(u&aan aa) 9&e(!a%"an: +an, 'e'ua% )en,an &(%n'%& +an, )% te(a&an

)a"a$ '+a(%at %'"a$

Al(Kafalah a)a"a- $e$be(%an a$%nan +an, )%be(%an #"e- &enan,,un,

e&a)a &%-a et%,a untu $e$enu-% e!a%ban &%-a e)ua atau +an,

)%tan,,un,* )en,an ata "a%n $en,a"%-an tan,,un, a!ab 'e#(an, +an,)%a$%n )en,an be(&e,an, &a)a tan,,un, a!ab #(an, "a%n 'eba,a% a$%nan

Al(Ha0alah a)a"a- aa) &e(&%n)a-an )%$ana )a"a$ &(aten+a

$e$%n)a-an -utan, )a(% tan,,un,an #(an, +an, be(-utan, $ena)%

tan,,un,an #(an, +an, be(e!a%ban $e$ba+a( -utan,



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Ar(Rahn a)a"a- 'uatu aa) &a)a t(an'a'% &e(banan

'+a(%a-* +an, $e(u&aan aa) ,a)a% +an, 'e'ua%

)en,an '+a(%a-

Al(1arh a)a"a- 'a"a- 'atu aa) +an, te()a&at &a)a

'%'te$ &e(banan '+a(%a- +an, t%)a "a%n a)a"a-

$e$be(%an &%na$an ba% be(u&a uan, atau&un

"a%nn+a tan&a $en,-a(a&an %$ba"an atau bun,a 9 (%ba

'ea(a t%)a "an,'un, be(n%at untu t#"#n, $en#"#n,

buan #$e('%a"

https://id.wikipedia.org/wiki/Gadai

https://id.wikipedia.org/wiki/Gadai



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Perbanin"an an$ara bank syariah

en"an bank k#n2ensi#nal

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Bank Islam

• Me"auan -an+a %ne'ta'% +an, -a"a"

$enu(ut -uu$ I'"a$

• Me$aa% &(%n'%& ba,% -a'%"* ua"/be"%* )an

'e!a

• Be(#(%enta'% euntun,an )an a"a-

9eba-a,%aan )un%a )an a-%(at 'e'ua%

aa(an I'"a$:

• Hubun,an )en,an na'aba- )a"a$ bentu

e$%t(aan

• Pen,-%$&unan )an &en+a"u(an )ana 'e'ua%

at!a De!an Pen,a!a' S+a(%a-

Bank K#n2ensi#nal

• Me"auan %ne'ta'% ba% +an, -a"a" atau-a(a$ $enu(ut -uu$ I'"a$

• Me$aa% &e(an,at 'uu bun,a

• Be(#(%enta'% euntun,an

• Hubun,an )en,an na'aba- )a"a$ bentu

(e)%tu( /)eb%tu(

• Pen,-%$&unan )an &en+a"u(an )ana t%)a

)%atu( #"e- )e!an 'een%'

https://id.wikipedia.org/wiki/Halal

https://id.wikipedia.org/wiki/Suku_bunga

https://id.wikipedia.org/wiki/Kreditur

https://id.wikipedia.org/wiki/Debitur

https://id.wikipedia.org/wiki/Debitur

https://id.wikipedia.org/wiki/Kreditur

https://id.wikipedia.org/wiki/Suku_bunga

https://id.wikipedia.org/wiki/Halal



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Kesim'ulan

15

Pe(banan S+a(%a- a)a"a- 'uatu '%'te$ &e(banan +an,

&e"a'anaann+a be()a'a(an -uu$ I'"a$ 9'+a(%a-:

Pe$bentuan '%'te$ %n% be()a'a(an a)an+a "a(an,an )a"a$a,a$a I'"a$ untu $e$%na$an atau $e$un,ut &%na$an

)en,an $en,enaan bun,a &%na$an 9(%ba:* 'e(ta "a(an,an untu

be(%ne'ta'% &a)a u'a-a/u'a-a be(ate,#(% te("a(an, 9-a(a$:

Pe(banan '+a(%a- $e$%"%% tuuan +an, 'a$a 'e&e(t% &e(banan

#nen'%#na"* +a%tu a,a( "e$ba,a &e(banan )a&at$en,-a'%"an euntun,an )en,an a(a $e$%na$an $#)a"*

$en+%$&an )ana* $e$b%a+a% e,%atan u'a-a* atau e,%atan

"a%nn+a +an, 'e'ua%

#n'e& #n'e& ban '+a(%a- te(ba,% $ena)% 5 ba,%an +a%tu

t%t%&an atau '%$&anan 9 a"/!a)%a-:* ba,% -a'%"* ua" be"%* 'e!a )an

a'a



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A)a Pe(tan+aan

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TERI%A

KASIH

TUGAS PERBANKAN (siap)

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