Deposits in Islamic banks managed by an investment or mudaroba’ way, so commonly known as the Deposit Mudharaba’. Bank Syariah not pay interest on customer deposits to pay the deposit but the profit sharing has been determined by the ratio (the business benefits for each party, the amount determined by agreement). Several types of savings futures also managed in a way such mudharobah education savings and retirement savings, savings pilgrimage, this term savings commonly known term Mudaraba’ Education Savings Accounts, Savings Hajj. These savings cannot be withdrawn by the owner of the funds before the maturity date so qualified to invest.
Al-Musharaka
Cooperation between two or more parties to a particular business. The parties are working together to contribute capital. Profits or business risks will be borne jointly in accordance with the agreement.
In this system, if the conventional banks as a means of financing. Bank and customer jointly contribute capital that is then used to run the business. Serves as the bank will apply the inclusion with an agreed profit sharing together. In conventional banks, such financing is similar to working capital loans.
The Principle of Al-Murabaha’
In this scheme, there has been buying and selling a home at the price of goods with value added benefits that both parties agreed. The seller in this case must tell the price of products purchased, and determine a level of profit in addition.
If the conventional banks to pay interest to its customers, the Islamic bank to pay for the benefits in accordance with the agreement. The agreement for this result set with a ratio of the number or ratio. Ratio between banks and their clients is determined at the beginning, for example, determined the portion of each side 60:40, which means that the business results obtained will be distributed by 60% for the customers and 40% for banks.
Business on 