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Case Sharia Banking (chapt. 6)
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Case of Sharia Banking about different types of schemes
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QUIZ SESSION 6QUESTIONS
1) Describe the types of financing schemes that can be implemented by Islamic banks
2) Explain what benefits will be enjoyed by customers and Islamic banks
3) Case: Mrs. Hj. Annisa wants to build a rented house on her own land. The number of
rented houses to be built is 5 (five) doors. Furthermore, Mrs. Hj. Annisa proposed financing
at Bank Muamalat Indonesia. And Bank Muamalat approved the request for financing.
a. Explain what type of financing is suitable for Mrs. Hj. Annisa,
b. explain and make the financing scheme
ANSWERS
1) Financing schemes that can be implemented by Islamic banks are:
a. Sharia Financing with Buy and Sell Scheme. With this scheme, the banks will finance
the purchase of working capital goods needed by customers. The financing = (the principal
price) + (profit margin of the Islamic bank that has been approved by the customer and the
bank).
b. Sharia Financing Cooperation Scheme. This scheme was based on the willingness of
both parties (banks and the customers) to cooperate in an effort to purchase the value of their
assets under an agreement or a contract.
c Consumption Needs with the Mudharabah and Musharakah Scheme. This scheme was
based on “cooperativeness” between bank as the one who give funds and the customer who
receive it that was known or approved under a contract. The financing = (replacing back
funds) + (profit sharing from sharia banking).
d. Consumption Needs with the Murabahah Scheme. These scheme system and method
calculations are easier than other contracts. It usually used for calculate the money that was
borrowed for funding a project. Murabahah = (giving back the funds) + (Profit margin of the
bank).
e. Consumption Needs with the Ijarah Scheme. Ijarah scheme has similar principal with
buy and sell scheme. The difference it’s only on the object of the transaction. If in the
transaction the object is a product, then the agreement of this scheme is the payment was
given as services. Ijarah = (Main funding) + (Ujroh or Fee)
Ijarah has another type or contract called Ijarah Mutahia Bit Tamlik, where the customer
wants to borrow a product or goods or funds that ended up with shifting ownership (the goods
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