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Layanan 24 jam

Sharia Education


  • Ar-Rahnu

    To pledge goods or a property (of economic value) as collateral, to allow the property owner  for getting a financing service. Ar-Rahn also means pawn, a contract or agreement that legally guarantee a transfer of authority on the pledged property. The agreement does not cover a transfer of ownership on the collateral. In other word, it represents an agreement of property handover from the customer to the bank as a guarantee for a part of or entire debt of the customer. Accordingly, a transfer of ownership will only happen under a specific circumstance as a consequence to the contract agreement.

  • Hawalah

    An agreement on the transfer of a customer’s receivable account to the bank for getting cash capital for continued productivity and the bank receives fee over the transfer of the receivable account.

  • Ijarah

    A leasing agreement that grants a lessee the right to usage of the leased property with an obligation to pay leasing fee pursuant to the agreement. And upon the end of the leasing period, the property is returned back to the owner, but the lessee can also own the property through a transfer of the leased property from the bank or another party. (ijarah wa iqtina).

  • Istishna

    A financing agreement between the bank and the customer where the seller (bank) procures the goods ordered by the customer. To procure the goods, the bank can delegate the obligation to another party.

  • Kafalah

    A contractual agreement on granting a guarantee/security from the bank  for covering a project financing or an obligation of the guaranteed party.

  • Mudharabah

    Adalah kerjasama antara dua pihak dimana shahibul maal menyediakan modal sedangkan mudharib menjadi pengelola dana dimana keuntungan dan kerugian dibagi menurut kesepakatan di muka.

  • Mudharabah al-Mutlaqah

    A form of partnership between two parties where capital owner provides the funds and grants full authority to the other party in the choice investment types and location, while the profit is shared  on the basis of a mutually approved scheme.

  • Mudharabah Muqqayadah

    A bilateral agreement where the capital owner  provides the capital to the other party and grants limited authority in the choice of investment types and location. The profit is shared on the basis of mutually approved scheme.

  • Mudharib

    The second party or another party outside the first party.

  • Murabahah

    An agreement by the sharia bank and the customer where the bank provides the financing for production materials or working capital needed by the customer. The procurement cost will be paid back at the amount of the procurement price plus the profit margin upon a specified time schedule.

  • Musyarakah

    Adalah perjanjian pembiayaan antara Bank Syariah dengan nasabah yang membutuhkan pembiayaan, dimana Bank dan nasabah secara bersama membiayai suatu usaha atau proyek yang juga dikelola secara bersama atas prinsip bagi hasil sesuai dengan penyertaan dimana keuntungan dan kerugian dibagi sesuai kesepakatan di muka.

  • Nisbah

    The ratio of profit for respective parties of an agreement where the size of profit share is based on mutual agreement.

  • Salam

    Financing of a sale and purchase where the purchaser grants the down payment for the goods on order pursuant to the specifications and the goods will be delivered later.

  • Shahibul Maal

    The first party or capital owner

  • Wadiah

    A pledge of property by a party to another party, person or a group  to be kept and returned upon the owner’s order.

  • Wadiah Yad adh-Dhamanah

    An agreement that allows beneficiary of pledged goods  can make use of the goods upon the owner’s permit and guarantees for returning the goods entirely back to the owner  at any time the owner wants it back.

  • Wadiah Yad al-Amanah

    An agreement that allows the beneficiary of pledged goods to be free on responsibility on potential risk of loss or defects on the pledged goods as far as the loss or the defects are not caused by the beneficiary’s fault.

  • Wakalah

    A bilateral agreement between the bank and the customer where the customer  authorizes the bank  to act on the customer’s behalf on specific project or service.