Kemungkinan Penerapan Universal Banking System di Indonesia : Kajian dan Perspektif Bank Syariah  

Oleh:

Sitompul, Zulkarnaen

Jenis: Article from Journal - ilmiah nasional - tidak terakreditasi DIKTI
Dalam koleksi: Jurnal Hukum Bisnis vol. 20 (2002), page 92-97.
Topik: bank syariah; universal banking system; bank syariah

Ketersediaan

Perpustakaan Pusat (Semanggi) Nomor Panggil: JJ102.3 Non-tandon: 1 (dapat dipinjam: 0) Tandon: tidak ada

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Isi artikel

The islamic banking sector policy has been given serious attention by the bank authority in indonesia in this case the central bank of indonesia. A few efforts of promotion and socialization to the comunity have taken place for many times whilst the infrastructure development of law is undergone by the planning of bank syariah law. The conventional bank restructuring has still running. The aim is to strengthen an efficient banking system and to support a stable moentary sector policy for national economy recovery after crisis. The development of islamic bank is based on dual banking system that means both conventional and syariah system parallelly to run accoring to act no. 10 year 1998 about the change of act no. 7 year 1992 about banking. During the time of crisis it was the fact that bank operates with syariah principles can stand for in dealing with the fluctuation of currency exchange rate and high interest rate. This is caused by the characteristic of islamic bank that prohibits interest (riba), abandones speculative financial transaction (maisir) and restricts a highly unpredicted risk of tranasction (gharar). From different perspective, the operational of dual banking system (conventional and syariah) parallely can create a diversication of service of finance business in banking sector to achieve many different layers of community with various choices of products from various banks. The conventional bank serves with interest fee system and the islamic bank serve profit and loss sharing scheme. In the future prospect it is hope that islamic bank will grow up a universal bank which means a commercial bank and investment banking at once.

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