Abstract
Deposit type most often used by Islamic Bank in collecting funds from the public is revshare system (mudharabah) where the customer is acting as an investor and profit from business carried on by the bank. But in practice mudharabah can also loss caused by managers (Banks) in running the business. The problem in this research is how the legal protection of depositors with mudharabah in Islamic banks. With normative juridical research method and approach to literature. Results of the study stated that the legal protection of depositors in Islamic banking are protected by rules that are already fairly well from the Financial Services Authority and the Institute of deposit insurance, even the rules better than protection applied to customers of conventional banks. LPS in Regulation 2 of 2010 Article 44 stated that the interest rate is considered reasonable set LPS does not apply in determining the status of the deposit guarantee to deposits based on Islamic principles because Islamic Bank using revshare principle in operation.
Highlights
INTRODUCTIONBanking institution that serves as a collecting and distributing public funds (financial intermediary) have a strategic role to support the implementation of national development, namely in order to improve the distribution of development. In 1997, Southeast Asia experienced a financial crisis that could change
Banking institution that serves as a collecting and distributing public funds have a strategic role to support the implementation of national development, namely in order to improve the distribution of development.1 In 1997, Southeast Asia experienced a financial crisis that could change
Islamic banking revenue sharing system applied in the bank relative maintain its performance and is not washed away by the level of deposit rates are soaring to lower operating expenses than conventional banks
Summary
Banking institution that serves as a collecting and distributing public funds (financial intermediary) have a strategic role to support the implementation of national development, namely in order to improve the distribution of development. In 1997, Southeast Asia experienced a financial crisis that could change. Services Islamic Bank, in the activities of fund raising Islamic Bank using syariah contract-based principle among others Akad Wadi'ah and Mudharabah. Persetase very high growth even Islamic Bank exceeds the growth of the national conventional banks with CAR, RoA, which is getting better and better able to suppress NPF of 2017 ago.. Persetase very high growth even Islamic Bank exceeds the growth of the national conventional banks with CAR, RoA, which is getting better and better able to suppress NPF of 2017 ago.6 It is not possible Islamic Bank's financial performance using the principles Revshare experiencing adversity in the years to come If there is no inappropriate action and negligence, Mudarib is not responsible for losses in the business. Based on data from the OJK (Financial Services Authority) Mudharabah savings is a form of savings that most large proportion compared with other savings products with a contract with a percentage of 67%.5 persetase very high growth even Islamic Bank exceeds the growth of the national conventional banks with CAR, RoA, which is getting better and better able to suppress NPF of 2017 ago. It is not possible Islamic Bank's financial performance using the principles Revshare experiencing adversity in the years to come
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