Given the interest in conventional banks in the fatwa's the same as usury, so that raises an alternative to avoid the forbidden treasure, the banks make the Islamic system. But it was not a little the general public and even among the educated intellectuals, even people still think that the Islamic banks is tantamount to conventional banks. They also assumed for the results and profit margins, just the same with usury. They claim, that the result is just another name for the system of usury. Strictly speaking, the results and the same interest. This view is also still available at a fraction among ustazd do not understand the concepts and operational result
So it is necessary to explain differences in systems of the bank's proficiency level. It should be understood, that the conventional banks is the bank interest accrued while implementing the system of shariah banks, implement the system for the results.
Understanding of these systems has become a simple explanation of the two banks. Determination of rates on conventional bank established early on, with no guidance on the profit and loss, so the amount of interest payable has been known since the beginning. While the profit-sharing system, the determination of the amount of the extent is determined from the beginning, because the decision-based profit and loss sharing ratio pattern (ratio) for the results. So the number of new results are known after the attempt or after there is an advantage..
In the system of usury, if there is a loss, the loss is only borne by the borrower (debtor), based on the fixed interest payments as promised, while in the sharing system, in case of loss, then it is borne jointly by the owners of capital and borrowers. Shariah banks to bear the loss of material, while the borrower to bear the loss of energy, time and thoughts.
In a conventional bank, the fund owner's interest is to obtain compensation in the form of high savings rates, moderate interest among shareholders is to obtain an optimal spread between deposit rates and lending rates. On the other hand the interests of users of the fund is to obtain a lower interest rate. Thus the third against the interests of three parties is a difficult place antagonism harmonized. In this case the conventional banks to function as an intermediary institution alone
While the Bank's Shariah encourages customers to seek wealth management clients (deposits) in accordance with Islamic teachings. Shariah bank to put the character / attitude of both customers and management on a very important position and attitude put akhlakul Karimah as the basic attitude of the relationship between customer and bank
The difference then there is the issue that goes aqad. In this shariah bank aqad only lawful, such as profit sharing, sale or lease. There is no element of riba 'in this shariah bank.
Then in terms of organizational structure of the bank, so shariah have Sharia Supervisory Board in its organizational structure in charge of overseeing bank operations and its products to conform with Islamic lines. Sharia Supervisory Board usually placed in a position level with the board of commissioners and specified at the General Meeting of Shareholders each years