SAVINGS INVESTMENTS IN SHARIA BANKS IN THE PERSPECTIVE OF SHARIAH ECONOMIC LAW (CASE STUDY AT “BANK SYARIAH BUKOPINâ€)
DOI:
https://doi.org/10.32506/joes.v1i2.175Keywords:
Savings Investment, Sharia Bank, Sharia Economic LawAbstract
There are three motives a person to save funds through savings in the Conventional Bank: security, plans and investment. Implementation of interest system in Conventional banks is a very fundamental constraint for a Muslim to invest his funds in the bank. Because in the view of the scholars of the flower system is identical with the usury (riba) that is forbidden in Islam. It turns out long before the birth of money storage system in conventional bank interest, in classical fiqh literature known the concept and theory of al wadiah and mudharabah which is substantially no differences from the savings and investment savings offered by conventional banks. This paper discusses the theory, concepts and implementation of al wadiah as non-interest investment savings applied in sharia bank in the perspective of shariah economic law, by looking at case examples of the saving products of Bank Syariah Bukopin (BSB). It was found that all investment contracts in savings products offered by BSB were in accordance with the principles of shariah; as outlined in the Qur'an and Sunnah as the basis of Shariah, as well as Law Number 21 Year 2008 and Law no. 10 year 1998, Bank Indonesia Regulation (Peraturan Bank Indonesia [PBI]), Compilation of Islamic Economic Law (Kompilasi Hukum Ekonomi Syariah [KHES]) and Fatwa of National Sharia Board (Dewan Syariah Indonesia [DSN]) Indonesian Council of Ulama (Majelis Ulama Indonesia [MUI])
Downloads
Download data is not yet available.
References
Athoillah, M. Anton, (2013), “Zakat as an Instrument of Eradicating Poverty (Indonesian Case)â€, in International Journal of Nusantara Islam, Vol. 1, No. 1, pp. 73-85, http://dx.doi.org/10.15575/ijni.v1i1.37.
Athoillah, M. Anton, and Al-Hakim, Sofyan, Reinterpreting the Ratio Legis of the Prohibition of Usury, Middle-East Journal of Scientific Research 14 (10), pp. 1390-1400, 2013, http://dx.doi.org/10.5829/idosi.mejsr.2013.14.10.2187
Bank Syariah Bukopin Company Profile 2017.
Fatwa DSN-MUI No: 02/DSN-MUI/IV/2000
Ghazaleh, Talal Abu- (1978) The Abu-Ghazaleh English-Arabic Dictionary of Accountancy, Springer.
Hammadah, Abdul Hakim (2009), al-Jami’ li Ahkam al-Fiqh ‘ala al-Madzahib al-Arba’ah, Beirut, Dar Al Kotob Al Ilmiyah.
Haynes, Daniell Mark & Karin, Sixl-daniell (2006), Wealth Wisdom For Everyone: An Easy-to-use Guide To Personal Financial Planning And Wealth Creation, World Scientific.
Hosen, M. Nadratuzzaman & Ali, AM. Hasan (2008), Kamus Populer Keuangan dan Ekonomi Syari’ah, Jakarta, Pkes Publishing.
http://www.syariahbukopin.co.id/id/produk-dan-jasa/pendanaan/tabungan-ib-siaga, accessed on June 9, 2016.
http://www.syariahbukopin.co.id/id/produk-dan-jasa/pendanaan/tabunganku-ib accessed on June 9, 2016.
http://www.syariahbukopin.co.id/id/produk-dan-jasa/pendanaan/tabungan-simpel-ib accessed on June 9, 2016.
http://www.syariahbukopin.co.id/id/produk-dan-jasa/pendanaan/tabungan-ib-siaga-bisnis, accessed on June 9, 2016.
http://www.syariahbukopin.co.id/id/produk-dan-jasa/pendanaan/tabungan-ib-pendidikan, accessed on June 9, 2016.
http://www.syariahbukopin.co.id/id/produk-dan-jasa/pendanaan/tabungan-ib-multiguna, accessed on June 9, 2016.
Janwari, Yadi (2015), Lembaga Keuangan Syari’ah, Bandung: PT Remaja Rosdakarya.
Jurjaniy, ‘Ali bin Muhammad ‘Ali al- (1405), al Ta’rifat, Beirut: Dar al-Kitab al-‘Arabiy.
Kahf, Monzer (2009), Islamic Finance Contracts, Pakistan, Al Manhal.
Karim, Adiwarman A. (2015), Maqoshid Bisnis dan keuangan Islam: Sintesis Fiqh dan Ekonomi, Jakarta, Rajawali Press.
Kitab Hukum Ekonomi Syari’ah (KHES)
Laldin, Mohamad Akram (2008), Fundamentals and Practices in Islamic Finance, International Shari'ah Research Academy for Islamic Finance.
Mirakhor, Abbas & Iqbal, Zubair (1987), Islamic Banking, Washington, International Monetary Fund.
Mulyadi, Dedi, & Athoillah, Mohamad Anton (2017). Product Innovation of Sharia Financial Institution: Theory Review. Journal of Economicate Studies Vol. 1 No. 1 pp. 1-8.
Omar, Azmi; Abduh, Muhamad & Sukmana, Raditya (2013), Fundamentals of Islamic Money and Capital Markets, John Wiley & Sons.
Peraturan Bank Indonesia Nomor: 10/16/PBI/2008 Tentang Perubahan Atas Peraturan Bank Indonesia Nomor 9/19/Pbi/2007 Tentang Pelaksanaan Prinsip Syariah Dalam Kegiatan Penghimpunan Dana Dan Penyaluran Dana Serta Pelayanan Jasa Bank Syariah.
Peraturan Bank Indonesia Nomor: 9/19/PBI/2007 Tentang Pelaksanaan Prinsip Syariah Dalam Kegiatan Penghimpunan Dana Dan Penyaluran Dana Serta Pelayanan Jasa Bank Syariah.
Peraturan Bank IndonesiaNomor: 8/3/PBI/2006TentangPerubahan Kegiatan Usaha Bank mum KonvensionalMenjadi Bank Umum Yang Melaksanakan Kegiatan UsahaBerdasarkan Prinsip Syariah DanPembukaan Kantor Bank Yang Melaksanakan KegiatanUsaha Berdasarkan Prinsip Syariah OlehBank Umum Konvensional.
Perry, Bob (2009), Enterprise Operations, Elsevier.
Perry, Brian (2011), From Piggybank to Portfolio: A Financial Roadmap for Young Investors, Sterling & Ross Publishers.
Pohl, Manfred (1994), Handbook on the History of European Banks, Edward Elgar Publishing.
Ramadani, Veland; Dana, Léo-Paul; Rashiti, Shqipe Gërguri- & Ratten, Vanessa (2016), Entrepreneurship and Management in an Islamic Context, Springer.
Reginald, Robert & Menville, Douglas (2008), Ancient Hauntings, Wildside Press LLC.
Rusyana, Ayi Yunus, (2014), “Islam and Economic Development: Exploring the Role of Indonesian Muslim Society in Developing Islamic Microfinance Institutionâ€, in International Journal of Nusantara Islam, Vol. 2, No. 1, pp. 83-94, http://dx.doi.org/10.15575/ijni.v2i1.50
Setiawan, Iwan, (2014), “Determination Methodology of the Fiduciary Law and Critic Towards Sharia Fiduciary Institutional Dualism and its Legislationâ€, in International Journal of Nusantara Islam, Vol .02 No .02, pp. 89-100, http://dx.doi.org/10.15575/ijni.v2i2.152
Surat Edaran PBI No. 15/22/DPbS Tanggal 23 Juni 2013, perihal Pedoman Pelaksanaan Tugas dan Tanggung Jawab Dewan Pengawas Syariah Bank Pembiayaan Rakyat Syariah.
Thabrani, Abi al Qosim Sulaiman bin Ahmad al- (1995), al Mu’jam al Ausath Cairo, Dar al Haramaian, I.
Thayyar, Abdullah bin Muhammad ath- (2009), Ensiklopedia Fiqh Mu’amalah dalam Pandangan 4 Madzhab, Yogyakarta: Maktabah al Hanif.
Tirmidzi, Abu Isa Muhammad bin Isa al- (1996), Al Jami’al Kabir, Beirut, Dar al Gharb al-Islami, II.
Udayan Gupta (1983), “Shopping the Financial Supermarketsâ€, Black Enterprise, October, pp. 59-68.
Umam, Khotibul (2016), Perbankan Syari’ah: Dasar-dasar dan Dinamika Perkembangannya di Indonesia, Jakarta, Rajawali Pers.
Undang-undang Nomor 10 Tahun 1998 TentangPerubahan Atas Undang-Undang Nomor 7 Tahun 1992Tentang Perbankan.
Undang-Undang Nomor 21 Tahun 2008 Tentang Perbankan Syari’ah
Zuhaili, Wahbah al- (1985), al fiqh Islam wa Adillatuhu, Damascus, Dar al- Fikr, IV.
Zuhaili, Wahbah al- (2003), al Tafsir al Munir: fi al ‘aqidah wa al Syari’ah wa al Manhaj, Damascus, Dar al Fikr, IV.
Athoillah, M. Anton, and Al-Hakim, Sofyan, Reinterpreting the Ratio Legis of the Prohibition of Usury, Middle-East Journal of Scientific Research 14 (10), pp. 1390-1400, 2013, http://dx.doi.org/10.5829/idosi.mejsr.2013.14.10.2187
Bank Syariah Bukopin Company Profile 2017.
Fatwa DSN-MUI No: 02/DSN-MUI/IV/2000
Ghazaleh, Talal Abu- (1978) The Abu-Ghazaleh English-Arabic Dictionary of Accountancy, Springer.
Hammadah, Abdul Hakim (2009), al-Jami’ li Ahkam al-Fiqh ‘ala al-Madzahib al-Arba’ah, Beirut, Dar Al Kotob Al Ilmiyah.
Haynes, Daniell Mark & Karin, Sixl-daniell (2006), Wealth Wisdom For Everyone: An Easy-to-use Guide To Personal Financial Planning And Wealth Creation, World Scientific.
Hosen, M. Nadratuzzaman & Ali, AM. Hasan (2008), Kamus Populer Keuangan dan Ekonomi Syari’ah, Jakarta, Pkes Publishing.
http://www.syariahbukopin.co.id/id/produk-dan-jasa/pendanaan/tabungan-ib-siaga, accessed on June 9, 2016.
http://www.syariahbukopin.co.id/id/produk-dan-jasa/pendanaan/tabunganku-ib accessed on June 9, 2016.
http://www.syariahbukopin.co.id/id/produk-dan-jasa/pendanaan/tabungan-simpel-ib accessed on June 9, 2016.
http://www.syariahbukopin.co.id/id/produk-dan-jasa/pendanaan/tabungan-ib-siaga-bisnis, accessed on June 9, 2016.
http://www.syariahbukopin.co.id/id/produk-dan-jasa/pendanaan/tabungan-ib-pendidikan, accessed on June 9, 2016.
http://www.syariahbukopin.co.id/id/produk-dan-jasa/pendanaan/tabungan-ib-multiguna, accessed on June 9, 2016.
Janwari, Yadi (2015), Lembaga Keuangan Syari’ah, Bandung: PT Remaja Rosdakarya.
Jurjaniy, ‘Ali bin Muhammad ‘Ali al- (1405), al Ta’rifat, Beirut: Dar al-Kitab al-‘Arabiy.
Kahf, Monzer (2009), Islamic Finance Contracts, Pakistan, Al Manhal.
Karim, Adiwarman A. (2015), Maqoshid Bisnis dan keuangan Islam: Sintesis Fiqh dan Ekonomi, Jakarta, Rajawali Press.
Kitab Hukum Ekonomi Syari’ah (KHES)
Laldin, Mohamad Akram (2008), Fundamentals and Practices in Islamic Finance, International Shari'ah Research Academy for Islamic Finance.
Mirakhor, Abbas & Iqbal, Zubair (1987), Islamic Banking, Washington, International Monetary Fund.
Mulyadi, Dedi, & Athoillah, Mohamad Anton (2017). Product Innovation of Sharia Financial Institution: Theory Review. Journal of Economicate Studies Vol. 1 No. 1 pp. 1-8.
Omar, Azmi; Abduh, Muhamad & Sukmana, Raditya (2013), Fundamentals of Islamic Money and Capital Markets, John Wiley & Sons.
Peraturan Bank Indonesia Nomor: 10/16/PBI/2008 Tentang Perubahan Atas Peraturan Bank Indonesia Nomor 9/19/Pbi/2007 Tentang Pelaksanaan Prinsip Syariah Dalam Kegiatan Penghimpunan Dana Dan Penyaluran Dana Serta Pelayanan Jasa Bank Syariah.
Peraturan Bank Indonesia Nomor: 9/19/PBI/2007 Tentang Pelaksanaan Prinsip Syariah Dalam Kegiatan Penghimpunan Dana Dan Penyaluran Dana Serta Pelayanan Jasa Bank Syariah.
Peraturan Bank IndonesiaNomor: 8/3/PBI/2006TentangPerubahan Kegiatan Usaha Bank mum KonvensionalMenjadi Bank Umum Yang Melaksanakan Kegiatan UsahaBerdasarkan Prinsip Syariah DanPembukaan Kantor Bank Yang Melaksanakan KegiatanUsaha Berdasarkan Prinsip Syariah OlehBank Umum Konvensional.
Perry, Bob (2009), Enterprise Operations, Elsevier.
Perry, Brian (2011), From Piggybank to Portfolio: A Financial Roadmap for Young Investors, Sterling & Ross Publishers.
Pohl, Manfred (1994), Handbook on the History of European Banks, Edward Elgar Publishing.
Ramadani, Veland; Dana, Léo-Paul; Rashiti, Shqipe Gërguri- & Ratten, Vanessa (2016), Entrepreneurship and Management in an Islamic Context, Springer.
Reginald, Robert & Menville, Douglas (2008), Ancient Hauntings, Wildside Press LLC.
Rusyana, Ayi Yunus, (2014), “Islam and Economic Development: Exploring the Role of Indonesian Muslim Society in Developing Islamic Microfinance Institutionâ€, in International Journal of Nusantara Islam, Vol. 2, No. 1, pp. 83-94, http://dx.doi.org/10.15575/ijni.v2i1.50
Setiawan, Iwan, (2014), “Determination Methodology of the Fiduciary Law and Critic Towards Sharia Fiduciary Institutional Dualism and its Legislationâ€, in International Journal of Nusantara Islam, Vol .02 No .02, pp. 89-100, http://dx.doi.org/10.15575/ijni.v2i2.152
Surat Edaran PBI No. 15/22/DPbS Tanggal 23 Juni 2013, perihal Pedoman Pelaksanaan Tugas dan Tanggung Jawab Dewan Pengawas Syariah Bank Pembiayaan Rakyat Syariah.
Thabrani, Abi al Qosim Sulaiman bin Ahmad al- (1995), al Mu’jam al Ausath Cairo, Dar al Haramaian, I.
Thayyar, Abdullah bin Muhammad ath- (2009), Ensiklopedia Fiqh Mu’amalah dalam Pandangan 4 Madzhab, Yogyakarta: Maktabah al Hanif.
Tirmidzi, Abu Isa Muhammad bin Isa al- (1996), Al Jami’al Kabir, Beirut, Dar al Gharb al-Islami, II.
Udayan Gupta (1983), “Shopping the Financial Supermarketsâ€, Black Enterprise, October, pp. 59-68.
Umam, Khotibul (2016), Perbankan Syari’ah: Dasar-dasar dan Dinamika Perkembangannya di Indonesia, Jakarta, Rajawali Pers.
Undang-undang Nomor 10 Tahun 1998 TentangPerubahan Atas Undang-Undang Nomor 7 Tahun 1992Tentang Perbankan.
Undang-Undang Nomor 21 Tahun 2008 Tentang Perbankan Syari’ah
Zuhaili, Wahbah al- (1985), al fiqh Islam wa Adillatuhu, Damascus, Dar al- Fikr, IV.
Zuhaili, Wahbah al- (2003), al Tafsir al Munir: fi al ‘aqidah wa al Syari’ah wa al Manhaj, Damascus, Dar al Fikr, IV.
Downloads
Published
2018-07-05
How to Cite
Samsudin, A. R., & Athoillah, M. A. (2018). SAVINGS INVESTMENTS IN SHARIA BANKS IN THE PERSPECTIVE OF SHARIAH ECONOMIC LAW (CASE STUDY AT “BANK SYARIAH BUKOPINâ€). Journal of Economicate Studies, 1(2), 63–80. https://doi.org/10.32506/joes.v1i2.175
Issue
Section
Articles
