There are fundamental differences between conventional bank interest rate savings with the added value given Sharia bank every month to customers penabungnya. In general it can be said that in conventional banks, interest is the embodiment of time value of money, or time value of money. While the results for the bonus or not the function of the time but the benefits of money in business activities.
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Best time is slightly longer, considering the fact we will see the transaction from the scheme. Let us see the concept of saving money in the sharia bank.Sharia in the bank, customers can save money in two ways. Namely: to commend Fund Bank (Wadiah scheme) and the funds invested in the business with the bank syariah pattern for the results (scheme Mudharabah)
Scheme Wadiah can be done with two models:
• Wadiah Yad Ad-Dhamanah, where the recipient can utilize goods with the permission of the owners to restore and ensure is in full at any time, when the owner wills. In the case money, the money combined with other funds in the client pool-of-fund that can be used sharia bank financing needs to customers. This scheme is commonly used for the Giro and not savings.
• Wadiah Yad Al-Amanah, is meant titipan where the recipient is not permitted titipan utilize titipan goods and guarantee to return the titipan is in full owner at any time needed. Recipient titipan not responsible for the loss and damage that occur during titipan goods, this is not the result of negligence or carelessness in maintaining titipan recipient titipan it. Applications Wadiah Yad Al-Amanah include Safe Deposit Box.
In connection with the Wadiah Yad Ad-Dhamanah, because Sharia bank to benefit from the use of these goods titipan (money), the Sharia bank is permitted to share the benefits as a bonus / gift to customers who menitipkankan fund the scheme Wadiah Yad Ad-Dhamanah. This is a bonus in addition to a similar interest in the children's savings, Mr. Suyono.
What's the difference between the bonus interest rate savings wadiah with conventional banks?
In the conventional banking system with interest, the bank promises a certain value (usually expressed as a percentage rate per year) to the value of money ditabung. Interest rate determination is made with the basic guidelines should always be profitable for the Bank. This value must be a bank does not matter if the bank or the loss of fortune. Although the amount of profit doubled when economic conditions are good, the bank still will only pay for the promised value. Model of saving such as this may prejudice a party.
Sharia bank not promise a bonus for customers with a savings scheme wadiah. Bonus can be given according to Sharia bank's financial condition after the calculation process and the results between the bank and its customers.
Sharia bank customers more harm? If we see the essence out of money, certainly not the customer's primary motivation bonus, but in order to secure the funds. So there is no problem if the bank does not share the sharia and a bonus if Rejeki Sharia bank share bonus. The problem, often a little Sharia bank 'drag on' to provide bonus benefits to the customer that is equivalent to the conventional savings bank. This makes the customers were not easy to distinguish where the interest rate bonus.
What about the ratio of deposits at the bank syariah promised at the time of contract? Shapes are similar in value to the interest rate banks use as Percentage. What is the difference between the interest rate?
Deposits and bank savings measure in the syariah investment schemes and for the results (mudharabah). This is consistent with the concept of investment is generally a form of long-term placement of funds.
Types of investment funds in the bank syariah mudharabah divided into:
• Mudharabah Al-Mutlaqah, is a collaboration between two parties where shahibul Maal (owner funds) to provide capital and give full authority to mudharib (who run the business - in this case the bank sharia) in determining the type and place of investment. Profits and losses are also divided according to early agreement. This general scheme is used to deposit or savings measure. Customers do not need to specify where the funds will be invested by the bank syariah.
• Mudharabah Al-Muqayyadah, is a collaboration between two parties where shahibul Maal provide capital and to provide limited authority to mudharib in determining the type and place of investment. Profits and losses be divided according to early agreement. This scheme is usually used for mewadahi customer needs (generally the client is as large companies and government) to use as an extension of sharia bank hands to invest in certain business sectors. Funds from the customer with the Al-Mudharabah schemes Muqayyadah not be in the pool-of-fund Sharia bank, but managed separately.
Customer owners of funds (sahibul Maal) and the bank agreed in the contract syariah investment mudharabah to share the benefits (including losses) the results of financing efforts by Sharia bank customers that involve funds. Agreement for the results poured in, for example the proportion of 60% for the customers, 40% for banks. This is known by the name of the family name.
At the end of the month, after the calculation of the income obtained from the financing, bank syariah akan share profits according to the proportion of funds ratio for customers and results. If Sharia bank loss experience, so whether customers still receive the results or not depends of the system for results that apply Sharia bank. If implemented, such as general revenue sharing sharia bank in Indonesia, the results for the customer will still be accepted, but if the profit sharing is used, then the customer will only accept the results if Sharia bank record profits.
After reading the description above we can clearly interesting differences between conventional bank interest for the benefit of the investment bank syariah funds. The Bank does not link the value of conventional interest revenue or profit with it. Interest is the consequences for public banks holding client money, money does not matter if it played in business or not. While the investment of funds in the bank syariah, syariah bank customers entrust to manage their funds. Advantage of the business management of the fund is divided according to the ratio that is promised.
What if the big bank interest for the results of conventional and sharia banks is not much different? Fact does not change anything, interest commercial banks is still not the same as the results for the sharia bank. This is because the interest and for the results obtained with a different way.
No doubt receive a bonus for the results or save the funds if the sharia bank although the value may be a bonus / profit sharing is not much different from the receipt of interest from conventional banks. Bonus and / or for the results of the lawful ruling of sharia, it was found along with the appropriate sharia.
