Nama : Sintia Aryanti

Kelas : KPS 1.2

NIM : 1761306041

Internasional
- Definition
In general , the definition of Islamic Bank (Islamic Bank) is a bank whose operation is
adjusted to the principles of islamic Shari’a .

Translite :
Secara umum, definisi Bank Islam (Islamic Bank) adalah bank yang operasinya disesuaikan
dengan prinsip syariat Islam.

- History
At the first establishment of islamic banks was much doubtful for several reason. First , many
people assume that the free-interest banking system in unlikely and unorthodox. Second ,
doubt about how Islamic banks will finance theirs operations. And nevertheles there is
some evidence to suggest that the development of the islamic banking system proceeded
ang began to exist from the time of Prophet and Companions , the Ummayyads and
Abassiyah , and in the European Period.
For the first time , the establishment of a shari’a bank was established in egypt in 1963
under the name of Bank Shari’a MytGhamr , whose capital was assisted by king Faisal of
Saudi Arabia.

Translite :

Pada pendirian pertama bank-bank Islam banyak diragukan karena beberapa alasan.
Pertama, banyak orang berasumsi bahwa sistem perbankan dengan bunga bebas tidak
mungkin dan tidak ortodoks. Kedua, keraguan tentang bagaimana bank-bank Islam akan
membiayai operasi mereka. Dan tidak pernah ada bukti yang menunjukkan bahwa
perkembangan sistem perbankan Islam mulai ada sejak zaman Nabi dan Sahabat,
Ummayyad dan Abassiyah, dan di Zaman Eropa.
Untuk pertama kalinya, pendirian bank syariah didirikan di Mesir pada tahun 1963 dengan
nama Bank Shari'a MytGhamr, yang ibukotanya dibantu oleh raja Faisal dari Arab Saudi.
- Opinion (Internasional)
intially the implementation of syariah financial institutions, as well as the creation of syariah
product in the financial system to create a condition for muslims to carry out all aspects of
life including economic aspects with the basis of al-qur'an and as-sunnah. today, the islamic
economic is experiencing rapid growth and is the subject western. studies and reseacrh. the
current system of syariah has integrated and interacted with the world economic system.
the syariah banking system is no longer merely monopolized and claimed as the islamic
banking system

Translite :
Pada intinya pelaksanaan lembaga keuangan syariah, serta penciptaan produk syariah dalam
sistem keuangan untuk menciptakan kondisi bagi umat Islam untuk melaksanakan semua
aspek kehidupan termasuk aspek ekonomi dengan dasar al-qur'an dan as-sunnah. hari ini,
ekonomi islami mengalami pertumbuhan yang cepat dan merupakan subjek barat. studi dan
penelitian. sistem syariah saat ini telah terintegrasi dan berinteraksi dengan sistem ekonomi
dunia. sistem perbankan syariah tidak lagi dimonopoli dan diklaim sebagai sistem perbankan
islami.

Nasional
- Opinion (Nasional)
the growth of sharia banking which reached 11.16% until september 2016 shows the
potential to continue to grow is still very large. of course the expansion of sharia bank
marketshare now in the range of 5% will continue to be encouraged to continue to rise given
the wave of conversion of commercial banks to Islamic banks in Indonesia received a
positive response

Translite :
pertumbuhan perbankan syariah yang mencapai 11,16% sampai dengan september 2016
menunjukkan potensi untuk terus berkembang masih sangat besar . tentunya perluasan
marketshare bank syariah yang kini berada dalam kisaran 5% akan terus digenjot untuk terus
naik mengingat gelombang konversi bank umum ke bank syariah di indonesia mendapat
respon positif

- History (Nasional)
The Indonesian Mufti Council (MUI) in 1990 established a working group to establish Bank
Islam in Indonesia.
As a result of the work of the MUI Banking Team , the establish ment of the first Syariah
bank in Indonesia , PT Bank Muamalat Indonesia (BMI) , which is in accordance with its
 establishment certificate , was established on November 1 , 1991 . Since may 1 , 1992 the
official BMI operates with an initial capital of Rp. 106.126.382.000

Regional
- History
The bank also initiated sharia banking activities with the receipt of Bank Indonesia letter
No.6 / 4 / Dpb / BNA dated 19 October 2004 regarding the license for the establishment of a
Sharia Branch Office of a Bank in a commercial activity of the Bank. The Bank started its
operational activities based on sharia principles on November 5, 2004.
a new history began to be carved by Bank Aceh through the meeting of EGMS (Extraordinary
General Meeting of Shareholders) dated May 25, 2015 last year that Bank Aceh to change
business activities from conventional system to sharia entirely.

Translite :
Bank juga memulai aktivitas perbankan syariah dengan diterimanya surat Bank Indonesia
No.6/4/Dpb/BNA tanggal 19 oktober 2004 mengenai izin Pembukaan Kantor Cabang Syariah
Bank dalam aktivitas komersial Bank. Bank mulai melakukan kegiatan operasional
berdasarkan prinsip syariah tersebut 5 November 2004.
sejarah baru mulai diukir oleh Bank Aceh melalui hasil rapat RUPSLB (Rapat Umum
Pemegang Saham Luar Biasa) tanggal 25 Mei 2015 tahun lalu bahwa Bank Aceh melakukan
perubahan kegiatan usaha dari sistem konvensional menjadi syariah seluruhnya.

- Opinion
during this operation islamic banking Aceh many reactions that are not good enough from
the community due to several cases that arise , due to the implementation of shari'a
principle in banking is not perfect. not no mention the case of sharia banking customers who
previously had appreared to the public , where then the people of

Translite :
selama ini operasi perbankan islam Aceh banyak reaksi yang tidak cukup baik dari
masyarakat karena beberapa kasus yang timbul, karena penerapan prinsip syariah di
perbankan tidak sempurna. tidak disebutkan kasus nasabah perbankan syariah yang
sebelumnya telah mengadu kepada publik, di mana kemudian masyarakat