ANALISIS YURIDIS TERHADAP PERANAN BANK SYARIAH DALAM KEGIATAN PERBANKAN DI INDONESIA
Abstract: The presence of
Sharia banks offers customers with various banking products. It is just
different from conventional banks in terms of pricing, both the selling price
and the buying price. As for the types of products offered by Sharia banks are:
Al-wadi’ah (savings), Financing with profit sharing, Bai’al- Murabahah,
Bai’as-salam, Bai’Al-istihna, Al-Ijarah (Leasing), Al-Wakalah (Mandate),
Al-Kafalah (warranty), Al-Hawalah, Ar-Rahn. The aim of this paper is: to find
out the position of Sharia Banks in the Indonesian banking system, and to
determine the role of Sharia Banks in the provision of banking services. The
research method in this research is normative juridical approach. Based on the
results and discussion of Sharia Bank position in the Indonesian banking
system, the targets of Sharia banking development are: enhancing the benefits
of Sharia banking for the public welfare; realizing a healthy, competitive, and
efficient Sharia banking; assuring the compliance of Sharia principles
consistently based on mudaraba (partnership); and assuring the precautionary
principles. Furthermore, the role of Sharia Banks in the provision of banking
services, which is based The Bank of Indonesia Regulation 6/ 17/PBI/2004 on
Rural Banks based on Sharia principles and The Bank of Indonesia Regulation
6/24/PBI/2004 on Commercial Banks Conducting Business Based on Sharia
Principles: Sharia Monitoring and Reporting Procedures for Monitoring Results
to Sharia Supervisory Board.
Penulis: Wulanmas A.P.G.
Frederik
Kode Jurnal: jphukumdd120374
