PUBLIC BANK SYARIAH

Two main functions of the syariah bank is collecting funds and distributing the funds. The distribution of funds is done by the sharia bank financing to borrowers that need, both for business and capital consumption. The actual financing practices by financial institutions is awakened by the system for financing the results or syirkah. This system is divided into 2, namely: financing mudharabah (MDA) and the financing musyarakah (MSA). Other types of financing are terkemas financing system in the sale, the financing murabahah (mba), as Bai and Bai-a istishna.

Practices MDA and MSA is the business practices that have long applied the same business with dikenalnya terms of trade and commerce. MDA and MSA term in Indonesia uncovered in the new decade of the introduction of financial institutions Marina Park, less than 4 years past. Although in practice the profit and loss sharing (PLS) has long been done by the perpetrators of business in Indonesia.

In general the economic relationship based on sharia spam is determined by the relationship aqad consisting of 5 aqad namely: the principles of savings, pure (al-wadi'ah), the principles for the results (syirkah), the principle sale (at-tijarah), the principle rent (al-ijarah), the principle services (al-ajr walumullah).