You'll often hear the word sharia in everyday life , such as sharia law , sharia -based economy , or even Islamic banks . However , did you know what exactly is sharia ?
One of the problems faced by Islamic financial institutions in the run - contract agreement sharia financing , is the lack of understanding of the vision , mission and characteristics of Islamic economics . This can be experienced both by the employee and the employee of the financial institution , as well as by customers and users in general . As a result , the employees of this will be very difficult , because they do not understand the end just worked 'like ' robots in performing contract - contract that has been provided by the manager or management , for example . In fact, sometimes , it feels sticking conventional spirit when dealing with customers or the public . One that is often seen is how smooth and eloquent Islamic bank employees when offering products to community - mentioned percentage of ' profit-sharing ' which is fixed like the flowers in the bank .
Lack of understanding among the clients can cause unique problems that will be sustainable . The Customer BMT or KJKS though , may not need to care about the products offered skem Islamic financial institutions . What it murobahaha , musyarokah , ijaroh not be something to consider . For they are , how financial institutions can solve their financial problems , both for production and closing capital consumption . So how many are coming to BMT only with a simple mission : to borrow money and ready to pay with some of the excess determined from the beginning . So sometimes they can get desired , without having to understand anything and in fact the difference between Islamic financial institutions and others .
Indonesia is one of the countries with the largest populations of Muslims in the world . Most of the population would want to try to undergo a variety of activities with the values that have been written in the Koran and the hadith , one is to use Islamic principles . So , what exactly is sharia ?
Sharia is ...
In language , sharia means a straight path . Meanwhile, according to the terminology , sharia is the regulations that govern human relations with his pecipta and relationships among humans that refers to the Qur'an and the Sunnah . In countries such as Iran or Saudi Arabia , sharia is the basis of our nationhood used in politics and economics .
Islamic Banking can be interpreted as a banking system that was developed based on sharia ( law ) of Islam . Businesses based on the establishment of this system in the Islamic religious prohibition to levy or borrow with interest or so-called usury and investment restrictions for businesses categorized unlawful ( eg business related to the production of food / drink unclean , un-Islamic media business etc. ) , where this can not be guaranteed by the conventional banking system .
In countries that embrace Islamic economic system , concepts such as charity representing the concept of fair and equitable life for everyone . Then gharar and masyir , which prohibits all gambling practices . Then takaful , a concept of solidarity between the people to please help if any relatives of the unfortunate . Then , what about the application of Islamic principles in Indonesia ?
13 % of the 1.7 Billion Muslim World
According to data from the Pew Forum On Religion & Public Life , 13 % of the 1.7 billion Muslims in the world is in Indonesia and spread from Sabang to Merauke .However , in contrast to Iran , or Saudi Arabia , though 88.2 % of Indonesia's population are followers of Islam , in order to create equality and harmonious life among religious believers , then from a standing start , the economic system used in Indonesia is the conventional economic system .
For those of you who so hold fast to the sharia system , the conventional economic system is usually considered less suitable . Therefore , you may prefer to invest in gold by buying or trading , compared to investing in stocks , health insurance , or mutual funds . But now , with the start realization of Islamic principles through Act No.7 of 1992 , perhaps it is time you tried to switch to the Shariah investment system .
Since the law on banking where Islamic principles inaugurated , many emerging now sharia -based investment programs that have been adapted to the needs . The program was eventually attracted the attention of many Indonesian citizens who had been reluctant to invest because they were unsure of the conventional economic system to start investing .
Togetherness Principle and Transparency
As a Muslim , in addition to investing in order to secure the financial condition , you 'll want these investments may increase the reward in the future . Well , because Islamic principles meet both these needs you will certainly choose the system .
Invest with Islamic principles are different from the conventional way . With religious values underlying , you are not only investing for yourself , future or guard when disaster strikes, but also for others . In this case there are named with Takaful , which is a combination of a sense of responsibility and brotherhood . In other words , a fraction of the funds that you invest will go into tabarru fund and will be used to help other people at risk or if there is the unfortunate .
Thomas Khun states that every economic system has core paradigm . Core Islamic economic paradigm derived from the Quran and Sunnah . Islamic Economics has basic properties as the economic and Humanities Rabbani . Economics is called Rabbani as loaded with guidance and divine values . While Insani economy because the economy was conducted and intended for human prosperity . ( Qaradawi ) .
In addition to Islamic principles put forward the principle of solidarity , also upheld the principle of justice . In this case the profit-sharing system , the transparency of funds , as well as the prohibition of interest ( riba ) as an important point of parties have been determined before the birth of the deal . Not only that , the management of the investment fund will also look very transparent because of the agency that oversees directly on the management of the investment fund or known by the name of Sharia Supervisory Board .
One of the problems faced by Islamic financial institutions in the run - contract agreement sharia financing , is the lack of understanding of the vision , mission and characteristics of Islamic economics . This can be experienced both by the employee and the employee of the financial institution , as well as by customers and users in general . As a result , the employees of this will be very difficult , because they do not understand the end just worked 'like ' robots in performing contract - contract that has been provided by the manager or management , for example . In fact, sometimes , it feels sticking conventional spirit when dealing with customers or the public . One that is often seen is how smooth and eloquent Islamic bank employees when offering products to community - mentioned percentage of ' profit-sharing ' which is fixed like the flowers in the bank .
Lack of understanding among the clients can cause unique problems that will be sustainable . The Customer BMT or KJKS though , may not need to care about the products offered skem Islamic financial institutions . What it murobahaha , musyarokah , ijaroh not be something to consider . For they are , how financial institutions can solve their financial problems , both for production and closing capital consumption . So how many are coming to BMT only with a simple mission : to borrow money and ready to pay with some of the excess determined from the beginning . So sometimes they can get desired , without having to understand anything and in fact the difference between Islamic financial institutions and others .
Indonesia is one of the countries with the largest populations of Muslims in the world . Most of the population would want to try to undergo a variety of activities with the values that have been written in the Koran and the hadith , one is to use Islamic principles . So , what exactly is sharia ?
Sharia is ...
In language , sharia means a straight path . Meanwhile, according to the terminology , sharia is the regulations that govern human relations with his pecipta and relationships among humans that refers to the Qur'an and the Sunnah . In countries such as Iran or Saudi Arabia , sharia is the basis of our nationhood used in politics and economics .
Islamic Banking can be interpreted as a banking system that was developed based on sharia ( law ) of Islam . Businesses based on the establishment of this system in the Islamic religious prohibition to levy or borrow with interest or so-called usury and investment restrictions for businesses categorized unlawful ( eg business related to the production of food / drink unclean , un-Islamic media business etc. ) , where this can not be guaranteed by the conventional banking system .
In countries that embrace Islamic economic system , concepts such as charity representing the concept of fair and equitable life for everyone . Then gharar and masyir , which prohibits all gambling practices . Then takaful , a concept of solidarity between the people to please help if any relatives of the unfortunate . Then , what about the application of Islamic principles in Indonesia ?
13 % of the 1.7 Billion Muslim World
According to data from the Pew Forum On Religion & Public Life , 13 % of the 1.7 billion Muslims in the world is in Indonesia and spread from Sabang to Merauke .However , in contrast to Iran , or Saudi Arabia , though 88.2 % of Indonesia's population are followers of Islam , in order to create equality and harmonious life among religious believers , then from a standing start , the economic system used in Indonesia is the conventional economic system .
For those of you who so hold fast to the sharia system , the conventional economic system is usually considered less suitable . Therefore , you may prefer to invest in gold by buying or trading , compared to investing in stocks , health insurance , or mutual funds . But now , with the start realization of Islamic principles through Act No.7 of 1992 , perhaps it is time you tried to switch to the Shariah investment system .
Since the law on banking where Islamic principles inaugurated , many emerging now sharia -based investment programs that have been adapted to the needs . The program was eventually attracted the attention of many Indonesian citizens who had been reluctant to invest because they were unsure of the conventional economic system to start investing .
Togetherness Principle and Transparency
As a Muslim , in addition to investing in order to secure the financial condition , you 'll want these investments may increase the reward in the future . Well , because Islamic principles meet both these needs you will certainly choose the system .
Invest with Islamic principles are different from the conventional way . With religious values underlying , you are not only investing for yourself , future or guard when disaster strikes, but also for others . In this case there are named with Takaful , which is a combination of a sense of responsibility and brotherhood . In other words , a fraction of the funds that you invest will go into tabarru fund and will be used to help other people at risk or if there is the unfortunate .
Thomas Khun states that every economic system has core paradigm . Core Islamic economic paradigm derived from the Quran and Sunnah . Islamic Economics has basic properties as the economic and Humanities Rabbani . Economics is called Rabbani as loaded with guidance and divine values . While Insani economy because the economy was conducted and intended for human prosperity . ( Qaradawi ) .
In addition to Islamic principles put forward the principle of solidarity , also upheld the principle of justice . In this case the profit-sharing system , the transparency of funds , as well as the prohibition of interest ( riba ) as an important point of parties have been determined before the birth of the deal . Not only that , the management of the investment fund will also look very transparent because of the agency that oversees directly on the management of the investment fund or known by the name of Sharia Supervisory Board .
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