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54 (Bank Islam Malaysia Berhard) (Bank Muamalat Malaysia Berhard ) (Kuwait Finance House)

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Page 1: (Bank Islam Malaysia Berhard) (Bank Muamalat Malaysia Berhardetheses.uin-malang.ac.id/215/6/11220037 BAB III.pdf · (Bank Islam Malaysia Berhard) (Bank Muamalat )Malaysia Berhard

54

(Bank Islam Malaysia Berhard)

(Bank Muamalat

Malaysia Berhard )

(Kuwait Finance House)

Page 2: (Bank Islam Malaysia Berhard) (Bank Muamalat Malaysia Berhardetheses.uin-malang.ac.id/215/6/11220037 BAB III.pdf · (Bank Islam Malaysia Berhard) (Bank Muamalat )Malaysia Berhard

55

(al-Rajhi Banking

Investmenst Corporation

,(Qatar Islamic Bank ,(Investments Bank)

(Global (Investments House

UUS(Unit Usaha

Syari’ah

96

Sjahdeini, Perbankan Syari’ah, h. 34. 97

Ascarya, Akad dan Produk, h. 34

Page 3: (Bank Islam Malaysia Berhard) (Bank Muamalat Malaysia Berhardetheses.uin-malang.ac.id/215/6/11220037 BAB III.pdf · (Bank Islam Malaysia Berhard) (Bank Muamalat )Malaysia Berhard

56

savings (account-i

benevolent loan-i(discounting-i

98

99

variable

rate ijarah)

98

Ascarya, Akad dan Produk, h. 196. 99

100

Page 4: (Bank Islam Malaysia Berhard) (Bank Muamalat Malaysia Berhardetheses.uin-malang.ac.id/215/6/11220037 BAB III.pdf · (Bank Islam Malaysia Berhard) (Bank Muamalat )Malaysia Berhard

57

Property Purchase Agreement PPA(Property

Sale Agreemenet PSA ؛)

Property Purchase Agreement ,(PPA

101

102Ascarya, Akad dan Produk,, h. 156.

Page 5: (Bank Islam Malaysia Berhard) (Bank Muamalat Malaysia Berhardetheses.uin-malang.ac.id/215/6/11220037 BAB III.pdf · (Bank Islam Malaysia Berhard) (Bank Muamalat )Malaysia Berhard

58

(Property Sale

Agreemenet PSA)

National Sharia Advisory Council (NSAC

103

Bank Negara Malaysia, Resolusi Syari’ah dalam Kewangan Islam (Kuala Lumpur: Bank

Negara Malaysia, Edisi Kedua, 2010), h. 104.

Page 6: (Bank Islam Malaysia Berhard) (Bank Muamalat Malaysia Berhardetheses.uin-malang.ac.id/215/6/11220037 BAB III.pdf · (Bank Islam Malaysia Berhard) (Bank Muamalat )Malaysia Berhard

59

(current account –i)

(saving account –i)

(general investment –

i)

(special investment

–i)

(specifik investment

–i)

104

Page 7: (Bank Islam Malaysia Berhard) (Bank Muamalat Malaysia Berhardetheses.uin-malang.ac.id/215/6/11220037 BAB III.pdf · (Bank Islam Malaysia Berhard) (Bank Muamalat )Malaysia Berhard

60

105

(benevolent loan –i)

(discounting –i)

(bridging finance –i

(bungalow lots

financing –i)

105

Ascarya, Produk Perbankan, h. 198.

Page 8: (Bank Islam Malaysia Berhard) (Bank Muamalat Malaysia Berhardetheses.uin-malang.ac.id/215/6/11220037 BAB III.pdf · (Bank Islam Malaysia Berhard) (Bank Muamalat )Malaysia Berhard

61

cash line

facility –i

club membership

(financing –i

(computer

financing –i

(contract financing –i)

(education financing –

i)

financing –i)

equipment

(factoring facility

–i)

(fixed asset

financing –i

(floor stocking

financing –i)

(hire

purchase (agency –i

Page 9: (Bank Islam Malaysia Berhard) (Bank Muamalat Malaysia Berhardetheses.uin-malang.ac.id/215/6/11220037 BAB III.pdf · (Bank Islam Malaysia Berhard) (Bank Muamalat )Malaysia Berhard

62

(hire

purchase –i

(home financing –i)

(variable rate

ijarah)

(industrial hire purchase –i)

(land financing –i)

(leasing –i)

(pawn broking –i)

(personal financing

–i)

(plant and

(machinery financing –i(variable rate

ijarah)

(project financing –i)

(property financing –

i)

Page 10: (Bank Islam Malaysia Berhard) (Bank Muamalat Malaysia Berhardetheses.uin-malang.ac.id/215/6/11220037 BAB III.pdf · (Bank Islam Malaysia Berhard) (Bank Muamalat )Malaysia Berhard

63

(variable rate

ijarah)

(revolving

(credit facility –i

(share financing –i)

(shop house financing

–i(variable

rate ijarah)

(sundry financing

–i

(syndicated financing

–i

(term financing –i)

(tour financing –i)

(umroh and

(visitation financing –i

(working capital

financing (–i

Page 11: (Bank Islam Malaysia Berhard) (Bank Muamalat Malaysia Berhardetheses.uin-malang.ac.id/215/6/11220037 BAB III.pdf · (Bank Islam Malaysia Berhard) (Bank Muamalat )Malaysia Berhard

64

(cash line facility –i

(overdraft credit facility

revolving credit facility –i) )

(revolving working credit facility)

106

(working capital financing –i)

Page 12: (Bank Islam Malaysia Berhard) (Bank Muamalat Malaysia Berhardetheses.uin-malang.ac.id/215/6/11220037 BAB III.pdf · (Bank Islam Malaysia Berhard) (Bank Muamalat )Malaysia Berhard

65

(accepted bills –i)

(bank guarantee –i

(e xport

credit (refinancing -i

(i(letter of credit

(shipping guarantee i

(trust receipt –i

Page 13: (Bank Islam Malaysia Berhard) (Bank Muamalat Malaysia Berhardetheses.uin-malang.ac.id/215/6/11220037 BAB III.pdf · (Bank Islam Malaysia Berhard) (Bank Muamalat )Malaysia Berhard

66

(stockbroking service)

(funds transfer)

(travellers’s cheque)

(cashier’s order

(demand draft)

(standing instructions)

ATM service)

telebanking)

(credit card-i

(charge card(debit card-i

(charge card -i(debit card-i)

Page 14: (Bank Islam Malaysia Berhard) (Bank Muamalat Malaysia Berhardetheses.uin-malang.ac.id/215/6/11220037 BAB III.pdf · (Bank Islam Malaysia Berhard) (Bank Muamalat )Malaysia Berhard

67

(credit card-i

credit card-i)

107

(charge card -i

(debit card –i

(credit card –i

107

Herwan Sukri, Understanding Sharia, h. 27.

Page 15: (Bank Islam Malaysia Berhard) (Bank Muamalat Malaysia Berhardetheses.uin-malang.ac.id/215/6/11220037 BAB III.pdf · (Bank Islam Malaysia Berhard) (Bank Muamalat )Malaysia Berhard

68

(Pasaran

Wang antara Bank secara Islam

Islamic (Interbank Money Market

(government

investment issues i)

(Malaysian

Islamic treasury bills)

(Bank Negara negotiable notes –i

(cagamas paper)

(Commercial papers)

(Terbitan

Sijil Hutang Boleh Negara

Negotiable (Islamic Debt Certificate

(negotiable

instrument of deposit

(sale and buy back agreement

Page 16: (Bank Islam Malaysia Berhard) (Bank Muamalat Malaysia Berhardetheses.uin-malang.ac.id/215/6/11220037 BAB III.pdf · (Bank Islam Malaysia Berhard) (Bank Muamalat )Malaysia Berhard

69

foreign exchange)

Promissory FX عقد الوعد

(Contract –i

(cash line facility –i)

,(education financing -i)

personal financing –i revolving credit

facility –ishare financing –i)

credit card –i)

(Pasaran Wang antara Bank secara Islam Islamic Interbank

Money Marketgovernment investment

issues -i))(Malaysian Islamic

treasury bills)(Bank Negara

negotiable notes –i(Terbitan Sijil

Page 17: (Bank Islam Malaysia Berhard) (Bank Muamalat Malaysia Berhardetheses.uin-malang.ac.id/215/6/11220037 BAB III.pdf · (Bank Islam Malaysia Berhard) (Bank Muamalat )Malaysia Berhard

70

Hutang ,Boleh Negara atau Negotiable (Islamic Debt Certificate

(sale and buy back agreements.)

(Bank Islam

(Malaysia Berhard

(Bank Muamalat Malaysia Berhard)

(Unit Usaha Syari’ahUUS

108

Unit Usaha Syari’ahUUS.

Page 18: (Bank Islam Malaysia Berhard) (Bank Muamalat Malaysia Berhardetheses.uin-malang.ac.id/215/6/11220037 BAB III.pdf · (Bank Islam Malaysia Berhard) (Bank Muamalat )Malaysia Berhard

71

.109

savings (account-ibenevolent loan-i

(discounting-i111

109

Sjahdeini, Perbankan Syari’ah, h. 64. 110

Rusni Hassan, Resolusi Syari’ah, h. 12. 111

Ascarya, Akad dan Produk,, h. 196.

Page 19: (Bank Islam Malaysia Berhard) (Bank Muamalat Malaysia Berhardetheses.uin-malang.ac.id/215/6/11220037 BAB III.pdf · (Bank Islam Malaysia Berhard) (Bank Muamalat )Malaysia Berhard

72

(Islamic

Windows

call warrant

112

Ibrahim Warde, Islamic Finance, h. 22. 113

Ibrahim Warde, Islamic Finance, h. 25. 114

Sjahdeini, Perbankan Syari’ah, h. 82.

Page 20: (Bank Islam Malaysia Berhard) (Bank Muamalat Malaysia Berhardetheses.uin-malang.ac.id/215/6/11220037 BAB III.pdf · (Bank Islam Malaysia Berhard) (Bank Muamalat )Malaysia Berhard

73

Pasaran Wang antara Bank secara Islam

(Islamic (Interbank Money Market

Pasaran Wang antara Bank secara

Islam (Islamic (Interbank Money Market

Pasaran Wang antara Bank secara Islam (Islamic

(Interbank Money Market

115

Herwan Sukri, Understanding Sharia, h. 31. 116

117Obiyathulla Ismath Bacha, The Islamic Inter Bank Money Market and a Dual Bnaking System:

The Malaysian Experience, Thesis MA (Malaysia: International Islamic University), h.5

Page 21: (Bank Islam Malaysia Berhard) (Bank Muamalat Malaysia Berhardetheses.uin-malang.ac.id/215/6/11220037 BAB III.pdf · (Bank Islam Malaysia Berhard) (Bank Muamalat )Malaysia Berhard

74

Pasaran Wang antara Bank

secara Islam (Islamic (Interbank Money Market

Majlis Penasihat Syari’ah

MPS

(Pasaran

Wang antara Bank secara Islam (Islamic (Interbank Money

Marktet

(government investment

118

Pasaran Wang antara Bank secara Islam

(Islamic (Interbank (Money Market ،((mudharabah interbank

investment(wadhi’ah acceptance)(government investment

issues –i)، أ–وبنك نيغارا المالحظات النقدية- (Bank Negara Monetary Notes –i ،) وبيع الوفاء((sale and

buy back agreement ، Cagamas Mudharabah Bonds)) ،

((Islamic Accepted Bills ، (Islamic Negotiable Instrument

Page 22: (Bank Islam Malaysia Berhard) (Bank Muamalat Malaysia Berhardetheses.uin-malang.ac.id/215/6/11220037 BAB III.pdf · (Bank Islam Malaysia Berhard) (Bank Muamalat )Malaysia Berhard

75

issues –i

(government investment

issues –i

(government investment issues –i)

(Islamic Private Debt Securities ،) –أ- (Ar-Rahnu (Agreement –i ،

(.Sukuk Bank Negara Malaysia Ijarahزيا )

119Bank Negara Malaysia, Information Note Government Ivestment Issue (GII) ((Selangor:

Wahlitho Printing Sdn Bhd), h. 6.

Page 23: (Bank Islam Malaysia Berhard) (Bank Muamalat Malaysia Berhardetheses.uin-malang.ac.id/215/6/11220037 BAB III.pdf · (Bank Islam Malaysia Berhard) (Bank Muamalat )Malaysia Berhard

76

(government investment issues

–i)

(government (investment issues –i

(Terbitan Sijil Hutang Boleh Negara

Negotiable Islamic Debt Certificate )

Majlis Penasihat Syari’ah)

(MPS

Pasaran

Wang antara Bank secara Islam (Islamic Interbank Money

Markte

120Bank Negara Malaysia, Resolusi Syari’ah, h. 143.

Page 24: (Bank Islam Malaysia Berhard) (Bank Muamalat Malaysia Berhardetheses.uin-malang.ac.id/215/6/11220037 BAB III.pdf · (Bank Islam Malaysia Berhard) (Bank Muamalat )Malaysia Berhard

77

Terbitan Sijil Hutang

Boleh Negara Negotiable Islamic Debt Certificate )

(Terbitan Sijil Hutang Boleh

Negara Negotiable Islamic Debt Certificate )

National Sharia Advisory Council (NSAC

121

Maybank Islamic, Negotiable Islamic Debt Certificate atau (NIDC),

http://www.maybankislamic.com.my/b_trade_nidc.html, diakses pada tanggal 20

Januari 2015. 122Maybank Islamic, Negotiable Islamic Debt.

123National Sharia Advisory Council (NSAC

Page 25: (Bank Islam Malaysia Berhard) (Bank Muamalat Malaysia Berhardetheses.uin-malang.ac.id/215/6/11220037 BAB III.pdf · (Bank Islam Malaysia Berhard) (Bank Muamalat )Malaysia Berhard

78

(Terbitan Sijil

Hutang Boleh Negara Negotiable Islamic Debt Certificate )

(Terbitan Sijil Hutang Boleh Negara

Negotiable (Islamic Debt Certificate

1 2 3

124

Sweet & Maxwell Asia, Managing Fund Flows, Risk, and Derivatives, Applications in Islamic

Institutions (Islamic Capital Market Series) {Selangor: Surunhajaya Sekuriti Securities

Commission Malaysia, 2010}, h, 44.

Page 26: (Bank Islam Malaysia Berhard) (Bank Muamalat Malaysia Berhardetheses.uin-malang.ac.id/215/6/11220037 BAB III.pdf · (Bank Islam Malaysia Berhard) (Bank Muamalat )Malaysia Berhard

79

(profit rate)

(Terbitan Sijil Hutang Boleh

Negara (Negotiable Islamic Debt Certificate

(Terbitan Sijil Hutang Boleh Negara (Negotiable Islamic Debt

Page 27: (Bank Islam Malaysia Berhard) (Bank Muamalat Malaysia Berhardetheses.uin-malang.ac.id/215/6/11220037 BAB III.pdf · (Bank Islam Malaysia Berhard) (Bank Muamalat )Malaysia Berhard

80

Certificate

(Terbitan Sijil Hutang Boleh Negara (Negotiable Islamic Debt

Certificate

Majlis Penasihat Syari’ah) (MPS

(credit card –i

(credit

card (i –

Majlis Penasihat Syari’ah) (MPS

(credit card –i

125

Bank Negara Malaysia, Resolusi Syari’ah, h. 142.

Page 28: (Bank Islam Malaysia Berhard) (Bank Muamalat Malaysia Berhardetheses.uin-malang.ac.id/215/6/11220037 BAB III.pdf · (Bank Islam Malaysia Berhard) (Bank Muamalat )Malaysia Berhard

81

(credit card -i

(credit card –i

(credit card –i

(credit card –i)

126

127

128(HSBC AmanahMalaysia Bhd)

(MPower Credit Card –i)MPower

Credit Card –i) ).(MPower Platinum Credit Card –i)

129Shochrul Rohma, Islamic Credit Card: A Comparison Study between Its Application in

Malaysia and Indonesia,

https://www.academia.edu/3148093/Islamic_Credit_Cards_A_Comparison_Study_between_Its_A

pplication_in_Malaysia_and_Indonesia, diakses pada tahun 2014.

Page 29: (Bank Islam Malaysia Berhard) (Bank Muamalat Malaysia Berhardetheses.uin-malang.ac.id/215/6/11220037 BAB III.pdf · (Bank Islam Malaysia Berhard) (Bank Muamalat )Malaysia Berhard

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(credit card –i

3

Page 30: (Bank Islam Malaysia Berhard) (Bank Muamalat Malaysia Berhardetheses.uin-malang.ac.id/215/6/11220037 BAB III.pdf · (Bank Islam Malaysia Berhard) (Bank Muamalat )Malaysia Berhard

83

(credit card –i)

(credit card –i

(credit card –i

(Bank Islam (Malaysia

Berhadr

(credit card –i(credit

card –i(Bank Islam (Malaysia

BerhardBank Islamic CardBIC

130

Sweet & Maxwell Asia, Managing Fund Flows, h, 48.

Page 31: (Bank Islam Malaysia Berhard) (Bank Muamalat Malaysia Berhardetheses.uin-malang.ac.id/215/6/11220037 BAB III.pdf · (Bank Islam Malaysia Berhard) (Bank Muamalat )Malaysia Berhard

84

131

.(Europay-Mastercard-Visa

Bank Islamic CardBIC

131

Shochrul Rohma, Islamic Credit Card. 132

133Shochrul, Islamic Credit Card.

Page 32: (Bank Islam Malaysia Berhard) (Bank Muamalat Malaysia Berhardetheses.uin-malang.ac.id/215/6/11220037 BAB III.pdf · (Bank Islam Malaysia Berhard) (Bank Muamalat )Malaysia Berhard

85

(Bank Islamic Card

BIMB

Page 33: (Bank Islam Malaysia Berhard) (Bank Muamalat Malaysia Berhardetheses.uin-malang.ac.id/215/6/11220037 BAB III.pdf · (Bank Islam Malaysia Berhard) (Bank Muamalat )Malaysia Berhard

86

(Terbitan Sijil

Hutang Boleh Negara ,(Negotiable Islamic Debt Certificate

(credit card –i

Majlis Penasihat Syari’ah)

(MPS

Page 34: (Bank Islam Malaysia Berhard) (Bank Muamalat Malaysia Berhardetheses.uin-malang.ac.id/215/6/11220037 BAB III.pdf · (Bank Islam Malaysia Berhard) (Bank Muamalat )Malaysia Berhard

87

credit (card –i

Majlis Penasihat

Syari’ah) .(MPS

credit (card –i

(Bank Islam (Malaysia Berhard

Page 35: (Bank Islam Malaysia Berhard) (Bank Muamalat Malaysia Berhardetheses.uin-malang.ac.id/215/6/11220037 BAB III.pdf · (Bank Islam Malaysia Berhard) (Bank Muamalat )Malaysia Berhard

88

(Bank Muamalat

Malaysia Berhard)

Unit Usaha Syari’ah)UUS

.134

134

Sjahdeini, Perbankan Syari’ah, h. 64.

Page 36: (Bank Islam Malaysia Berhard) (Bank Muamalat Malaysia Berhardetheses.uin-malang.ac.id/215/6/11220037 BAB III.pdf · (Bank Islam Malaysia Berhard) (Bank Muamalat )Malaysia Berhard

89

savings (account-ibenevolent

loan-i(discounting-i136

(Islamic Windows

call warrant

135

Rusni Hassan, Resolusi Syari’ah, h. 12. 136

Ascarya, Akad dan Produk,, h. 196. 137

Ibrahim Warde, Islamic Finance, h. 22. 138

Ibrahim Warde, Islamic Finance, h. 25.

Page 37: (Bank Islam Malaysia Berhard) (Bank Muamalat Malaysia Berhardetheses.uin-malang.ac.id/215/6/11220037 BAB III.pdf · (Bank Islam Malaysia Berhard) (Bank Muamalat )Malaysia Berhard

90

139

Sjahdeini, Perbankan Syari’ah, h. 82. 140

Herwan Sukri, Understanding Sharia, h. 31.

Page 38: (Bank Islam Malaysia Berhard) (Bank Muamalat Malaysia Berhardetheses.uin-malang.ac.id/215/6/11220037 BAB III.pdf · (Bank Islam Malaysia Berhard) (Bank Muamalat )Malaysia Berhard

91

Majlis Penasihat Syari’ah) (MPS

Majlis Penasihat Syari’ah) (MPS

Majlis Penasihat Syari’ah) (MPS

Majlis Penasihat

Syari’ah) (MPS

Majlis Penasihat Syari’ah) (MPS

Majlis Penasihat Syari’ah) (MPS

141

Page 39: (Bank Islam Malaysia Berhard) (Bank Muamalat Malaysia Berhardetheses.uin-malang.ac.id/215/6/11220037 BAB III.pdf · (Bank Islam Malaysia Berhard) (Bank Muamalat )Malaysia Berhard

92

Majlis Penasihat Syari’ah) (MPS

Majlis Penasihat Syari’ah) (MPS

Majlis Penasihat Syari’ah) (MPS

Majlis Penasihat Syari’ah) (MPS

Majlis Penasihat Syari’ah) (MPS

Majlis Penasihat Syari’ah) (MPS

Majlis Penasihat Syari’ah)

(MPS

142

143

Page 40: (Bank Islam Malaysia Berhard) (Bank Muamalat Malaysia Berhardetheses.uin-malang.ac.id/215/6/11220037 BAB III.pdf · (Bank Islam Malaysia Berhard) (Bank Muamalat )Malaysia Berhard

93

Majlis Penasihat Syari’ah) (MPS

Majlis

Penasihat Syari’ah) (MPS

Terbitan Sijil Hutang Boleh

Negara Negotiable Islamic Debt Certificate )

Majlis Penasihat

Syari’ah) (MPS

144

145

Bank Negara Malaysia, Resolusi Syari’ah, h. 3. 146

Bank Negara Malaysia, Resolusi Syari’ah, h.3. 147

Pasaran Wang antara Bank secara IslamIslamic

Interbank Money Market

(Terbitan Sijil Hutang Boleh Negara atau Negotiable Islamic Debt

Page 41: (Bank Islam Malaysia Berhard) (Bank Muamalat Malaysia Berhardetheses.uin-malang.ac.id/215/6/11220037 BAB III.pdf · (Bank Islam Malaysia Berhard) (Bank Muamalat )Malaysia Berhard

94

Majlis Penasihat Syari’ah) :

(MPS

Majlis Penasihat Syari’ah) (MPS

Majlis Penasihat Syari’ah) (MPS

Certificate

((credit card -i

148

149

150

Majlis Penasihat Syari’ah

MPS

Page 42: (Bank Islam Malaysia Berhard) (Bank Muamalat Malaysia Berhardetheses.uin-malang.ac.id/215/6/11220037 BAB III.pdf · (Bank Islam Malaysia Berhard) (Bank Muamalat )Malaysia Berhard

95

Penasihat Syari’ah) (MPS

Majlis Penasihat Syari’ah) (MPS

Majlis Penasihat Syari’ah) (MPS

Majlis Penasihat Syari’ah)

(MPS

151

Page 43: (Bank Islam Malaysia Berhard) (Bank Muamalat Malaysia Berhardetheses.uin-malang.ac.id/215/6/11220037 BAB III.pdf · (Bank Islam Malaysia Berhard) (Bank Muamalat )Malaysia Berhard

96

Majlis Penasihat Syari’ah) (MPS

152

243. 153

Ghufron, Fiqh Mu’amalah , h, 102.

Page 44: (Bank Islam Malaysia Berhard) (Bank Muamalat Malaysia Berhardetheses.uin-malang.ac.id/215/6/11220037 BAB III.pdf · (Bank Islam Malaysia Berhard) (Bank Muamalat )Malaysia Berhard

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154

155

Page 45: (Bank Islam Malaysia Berhard) (Bank Muamalat Malaysia Berhardetheses.uin-malang.ac.id/215/6/11220037 BAB III.pdf · (Bank Islam Malaysia Berhard) (Bank Muamalat )Malaysia Berhard

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156

157

158

159

Page 46: (Bank Islam Malaysia Berhard) (Bank Muamalat Malaysia Berhardetheses.uin-malang.ac.id/215/6/11220037 BAB III.pdf · (Bank Islam Malaysia Berhard) (Bank Muamalat )Malaysia Berhard

99

Majlis Penasihat Syari’ah) (MPS

Majlis Penasihat Syari’ah) (MPS

160

Abbas Arfan, Kaidah-Kaida Fiqh Mu’amalah dan Aplikaisnya Dalam Ekonomi Islam dan

Perbankan Syari’ah (Malang: UIN Malang, 2012), h. 118. 161

Random Acres, Islamic Financial Products: History and Concept (India: Replika Press, 2009),

h. 78. 162

Bank Negara Malaysia, Resolusi Syari’ah, h. 176.

Page 47: (Bank Islam Malaysia Berhard) (Bank Muamalat Malaysia Berhardetheses.uin-malang.ac.id/215/6/11220037 BAB III.pdf · (Bank Islam Malaysia Berhard) (Bank Muamalat )Malaysia Berhard

100

164

163

164Bank Muamalat Malaysia Berhad, Perbandingan Antara Bank Islam dan Konvensional

(Selangor: Wahlitho Printing Sdn Bhd), h. 4 165

Page 48: (Bank Islam Malaysia Berhard) (Bank Muamalat Malaysia Berhardetheses.uin-malang.ac.id/215/6/11220037 BAB III.pdf · (Bank Islam Malaysia Berhard) (Bank Muamalat )Malaysia Berhard

101

(local wisdom) .

166

Herwan Sukri, Understanding Sharia, h. 34. 167

Sjahdeini, Produk Perbankan Syari’a, h. 32.

Page 49: (Bank Islam Malaysia Berhard) (Bank Muamalat Malaysia Berhardetheses.uin-malang.ac.id/215/6/11220037 BAB III.pdf · (Bank Islam Malaysia Berhard) (Bank Muamalat )Malaysia Berhard

102

(Standard Chartered Bank)

(Majlis

Penasihat (Syari’ah atau MPS)

168

Ibrahim Warde, Islamic Finance, h. 76.

169 Majlis Penasihat Syari’ah) (MPS

Page 50: (Bank Islam Malaysia Berhard) (Bank Muamalat Malaysia Berhardetheses.uin-malang.ac.id/215/6/11220037 BAB III.pdf · (Bank Islam Malaysia Berhard) (Bank Muamalat )Malaysia Berhard

103

(Majlis Penasihat Syari’ah atau MPS)