Savings
Al-wadiah a pure deposit of one party to another party, whether individuals or legal entities, which must be preserved and restored whenever the desire Care.

Bank deposits as the recipient can use this principle in a conventional bank deposits known as the product. As a consequence, all profits generated from the deposit of funds belonging to banks (and vice versa). In return, the store had security guarantees against property, and facilities are also other deposits.

Giro accounts in Islamic banks managed deposit system so commonly known as Giro Wadiah, because basically checking accounts are public funds in the bank for payment purposes, and its withdrawal can be made at any time.

Sharing Profit
Al-Mudharaba’ is business cooperation transaction between the two parties, in which the first party to provide the entire (100 percent) of capital, while others become managers. Business profits are divided according to the agreement mudaraba’ set forth in the contract, whereas if the loss, borne by the owners of capital loss is not due to negligence on the manager. If resulting losses from fraud, the manager will be responsible for the losses.

Mudharaba’ transaction applied financial products and financing. On the union funds, al-mudaraba’ applied to the savings and deposits. While on the financing side, al-mudaraba‘, applied for working capital financing.

By placing funds in the principle of al-mudaraba‘, the owner of the funds not earning interest, just as in conventional banks, but the ratio of the profits. In practice, the savings ratio ranges from 55 to -56 percent of the investments made by banks. In the case of conventional banks, these numbers roughly equivalent to 11-12 percent.

While the financing side, if a trader needs to trade the capital can apply for funding for results like al-mudaraba‘. How to calculate prior income estimates to be gained by customers from the project.

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