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About BII Syariah
Cash Deposit Machine
is the bank that runs its business based on Sharia principles and according to the type composed of Islamic Commercial Banks and Islamic Rural Bank Financing as stipulated in Law No. 21 Year 2008 on Islamic Banking.
Islamic Business Unit
(Unit Usaha Syariah), hereinafter referred to UUS, is a business unit of Conventional Commercial Bank's headquarters that serves as the head office of the office or unit conducting business on the Sharia principles, or work unit in the branch office of a bank located abroad who conducting conventional business that serves as the head office of sharia branch offices and / or sharia units as referred to in Act No. 21 of 2008 on Islamic Banking.
The Sharia principle is the principle of Islamic law in banking activities based on the fatwa issued by an institution that has authority in the field of Islamic fatwas determination as referred to in Act No. 21 of 2008 on Islamic Banking.
is a written agreement between Sharia Bank or UUS and other parties which contains the rights and obligations for each party in accordance with Sharia principles as stipulated in Law No. 21 of 2008 on Islamic Banking.
is the assessment of Islamic law issued by the National Sharia Council - Majelis Ulama Indonesia.
is the provision of funds or equivalent claims in the form:
a. Profit sharing transactions in the form of mudharabah and musyarakah;
b. Lease transactions in the form of Ijarah or lease purchase in the form of Ijarah muntahiya bit tamlik,
c. Sale and purchase transactions in the form of receivables murabaha, salam and istishna ';
d. Loan and borrowed transaction in the form of receivables qardh; and
e. Lease transactions in the form of services to multiple service transaction under Ijarah.
is the ratio of profit sharing between the parties to the profit sharing contract.
is the transaction day-care funds or goods from the owner of funds or goods to the depositary of funds or goods, with the duty of the store to return the deposit of funds or goods at any time.
Wadiah Yad ad Dhamanah
is pure deposit at any time can be taken if the owner wants, the receiving party may use and exploit a deposit of funds or goods deposited.
Wadi'ah al amanah
is wadiah where the money / goods are entrusted may only be stored/ deposited and should not be utilized. The recipient of the deposit is not responsible for loss and damage to the consignment as long as this is not the result of negligence or carelessness in maintaining the recipient deposits the deposit.
is a private investment transactions of funds from the owner of the funds (shahibul Maal) to the fund manager (mudharib) to perform certain business activities according to sharia, provided the distribution method for profit and loss statement (profit and loss sharing) or a method for revenue (revenue sharing) between both parties based on the pre-agreed ratio/portion.
is an investment transactions of funds from two or more owners of the funds / goods to run a certain business, with profit sharing based on the ratio agreed upon previously by both parties, while the losses borne by the owner of the funds / goods in proportion to their respective capital.
is a sale and purchase of an item of cost of goods sold / cost of goods plus a margin (profit) that have been agreed. Where before it informs the seller the cost of goods / acquisition to the buyer.
are buying or selling goods in the form of ordering the manufacture of goods with certain criteria and requirements as agreed with the payments as agreed.
is a lease transaction of goods and services between the owner of an object or lease including ownership rights of use of object leases with tenants to get rewarded for rental of the leased object. within a specified time through lease payments or service fee.
Ijarah Muntahiyah bit Tamlik
is teransaksi lease between owner and tenant lease object to get rewarded for objects that disewakannya lease with option of transferring property lease object.
is lending and borrowing transactions are rewarded with the obligation of funds without the borrower returns the loan principal in a lump sum or installments within a specified period.
is a loan with no charge (only obliged to pay the principal of the debt), borrowing money like this is in accordance with the provisions of Sharia (no usury), aims to give to people who need or do not have the financial ability, for social purposes or for humanity. Administrative cost, in limited quantities, is allowed to be charged to the borrower.
is a sale and purchase of goods by way of orders with certain conditions and full payment is made in cash (paid) first
is a pawn goods as collateral for bank loans with the provisions should not use the goods without the permission of the owner, and owner's maintenance fee on goods such digadai.
is the Party that submitted the collateral or mortgage.
is shifting debt from one party owes to other parties who must bear the (pay) him.
is the guarantee given by penangung (Kafil) to a third party to fulfill the obligations of both parties or borne (makfuul'anhuashil)
is devolution of power by one party to another in matters that should be represented.
Wakalah bil ujrah
are Akad wakalah by providing fee or remuneration to the representative.
is a reward for lease.
is luck / win for the benefit (welfare).
are all forms of contract made with the goal of virtue and helping, not merely for commercial purposes.
is a person who not only considered legitimate in Islamic law is identical with mukallaf.
is the transaction currency (al-Sharf), a type of currency rose between and among different types of currency.
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