Abstract
This paper attempts to review the comparison of the Islamic and Conventional Banks in Indonesia. There are 11 sub-topics which discuss on the concepts and matters related to both type of Banks. This include the elaboration about principles, products, institutions, time value of money, and interest versus profit-sharing. For each principles, it derived from the Al-Qur’an and Hadith. All explanations are the important points associated with the Islamic banks systems. With the examples and real simulation in calculations which presented in this article, each products can be understood comprehensively by the readers. This Islamic banking concept reveals the values, norms, and ethical aspects such as justice, fairness, trusworthy for the creditors and debitors that also bring goodness or maslahah to the society. It is expected that Islamic banks could deliver excellent services and compete internationally. With all the supports from stakeholders, the development and growth of Islamic banks is achievable.
Highlights
This paper attempts to review the comparison of the Islamic and Conventional Banks in Indonesia
11 sub-topics which discuss on the concepts and matters related to both type
This include the elaboration about principles
Summary
Miftahuddin* Program Studi Ilmu Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Medan Area, Indonesia. Makalah ini mencoba untuk meninjau perbandingan Bank Syariah dan Konvensional di Indonesia. Ada 11 sub-topik yang membahas tentang konsep dan hal-hal yang terkait dengan kedua jenis Bank. Ini termasuk elaborasi tentang prinsip, produk, institusi, nilai waktu uang, dan bunga versus pembagian keuntungan. Semua penjelasan adalah poin penting yang terkait dengan sistem bank syariah. Dengan contoh-contoh dan simulasi nyata dalam perhitungan yang disajikan dalam artikel ini, setiap produk dapat dipahami secara komprehensif oleh pembaca. Diharapkan bahwa bank syariah dapat memberikan layanan yang sangat baik dan bersaing secara internasional. Dengan semua dukungan dari para pemangku kepentingan, pengembangan dan pertumbuhan bank syariah dapat dicapai. Kata kunci: Bank Islam, Bank Konvensional, Riba, Nilai dan Prinsip Islam, Indonesia
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