الخدمات المصرفية في المصارف الإسلامية بإندونيسيا على ضوء الشريعة الإسلامية

Abstract

This study deals with banking services in Islamic banks in Indonesia in the light of Shari'a provisions aimed at examining them and determining their compliance with Islamic law. The researcher followed the descriptive, analytical, explanatory, and deductive approaches. The research topics were confined to six services of Islamic banks in Indonesia: letter of guarantee, documentary credits, bank transfers, foreign exchange, bank cards, and mortgages. The study concludes that these four services, namely: letter of guarantee, foreign currency exchange, bank transfer, and mortgage do not violate Islamic sharia principles. Two other services, namely documentary credit in the case of lending to clients or conducting a hawala contract and charge cards in the case of imposing late fines and penalties for withdrawing money exceeding the permitted limit, including transactions that are prohibited by law because they are included in the sharia rules "every receivable that brings profit is usury". This study recommends the urgency of adhering to Islamic sharia principles in all areas of life, especially in the field of Islamic banking, and recommends that Islamic banks make efforts to rationalize the profits they make, not too large. After all, it will burden customers or be too small, because it can hamper operations bank.