Many Muslims and non Muslims still do not understand or know about the differences with the Bank’s Islamic Banking which have entrenched Conventional long especially Indonesia. This becomes imperative for the parties involved in the banking world for disseminating. Many thought that the characteristics of Islamic Banking Customer always be associated with Islam, while Bank of diverse clients Conventional religion and faith in Indonesia.
Actually Islamic Bank, and Bank of Conventional merely a system of non-religious institutions, because it is essentially a systems development effort with money regardless of their religious clients, it’s just a long Islamic Banking system used by the Islamic countries in developing the system finance.
CONVENTIONAL BANKS, system development based on customer interest that require venture capital or buying something.
For example, a customer would like to buy a car or a house, because the money is not enough so he borrowed the money to the Bank of Conventional and conventional bank lending money directly paid to the dealer’s car or house developers intended by the customer.
Furthermore, customers are charged interest on the loans it has determined the amount of interest and loan principal to be paid every month, as well as in other types of loan options, financial development on Conventional Banks with good interest payments system cash received from customers Conventional Bank, can take the form of savings, deposits, etc., as well as customers who receive conventional bank loans bear interest loans.
SHYARIAH BANKS, financial development system with trading systems and for the results of the customer’s money deposited in Islamic Banking can be savings, deposits etc.
For example, a customer wishes to purchase a car or a house, while the money they have borrowed and not enough on Islamic Banking, in this case did not give Islamic Bank loans and accruing interest on the loan, but the bank bought a car or house desired by the customer, of Dealer or Developer.
Next Bank Syariah sell a car or house prices must also higher than the purchase price as is the sale and purchase of goods, then the price of the sale, payment in installments in accordance with the agreement.
If the Bank Syariah receive money from customers in the form of savings or deposit system for the results.
Because of lack of socialization for the existence of Islamic Banking and financial development system, it raises the dichotomy of Islam and non-Muslims for people who lay on the Bank Syariah.
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[...] The vital function of banks is as intermediary, which acts to receive deposits from customers and lend it to other customers in need of funds. For conventional banking, the differences about the amount of interest charged to the borrower of funds in exchange rates given to the depositors that the biggest source of profits. Glance it seems the role of conventional banks have been able to fulfill the function of mobilization and channeling of public funds in line with the two principles above. The question then is: why are there still must be Islamic bank? [...]