BAB I SEJARAH SINGKAT BMT ARSYADA

<div dir="ltr" style="text-align: left;" trbidi="on"> <div align="center" class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: center;"> <b><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">SEJARAH SINGKAT BMT ARSYADA<o:p></o:p></span></b></div> <div class="separator" style="clear: both; text-align: center;"> <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhEM71p36EQmFuZxABomKBZ-GFPLcz5_-jVJ9EFo760OXnRmdBNUy8iaKlXwjmY3prQv0WO_0IJ75SHWElfvRQ2ALCuKTCeLevrUIPiMOUhj271fFsKXCphqa2ZdIRfvEV70VQo0B-bFS4/s1600/12341504_1647714562151024_2664084410457047615_n.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="192" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhEM71p36EQmFuZxABomKBZ-GFPLcz5_-jVJ9EFo760OXnRmdBNUy8iaKlXwjmY3prQv0WO_0IJ75SHWElfvRQ2ALCuKTCeLevrUIPiMOUhj271fFsKXCphqa2ZdIRfvEV70VQo0B-bFS4/s320/12341504_1647714562151024_2664084410457047615_n.jpg" width="320" /></a></div> <div align="center" class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: center;"> <b><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;"><br /></span></b></div> <div class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm;"> <br /></div> <div class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm;"> <br /></div> <div class="MsoListParagraph" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 18.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l4 level1 lfo1; text-indent: -18.0pt;"> <!--[if !supportLists]--><b><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">A.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; font-weight: normal; line-height: normal;">    </span></span></b><!--[endif]--><b><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">PENGERTIAN BMT<o:p></o:p></span></b></div> <div class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 18.0pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 18.0pt;"> <span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">BMT merupakan kependekan dari <i>Baitul Maal Wat Tamwil </i>atau dapat juga ditulis dengan <i>Baitul Maal Wa Baitul Tamwil</i>. Secara <i>Harfiah Lughowi Baitul Maal </i>berarti rumah dana dan <i>Baitul Tamwil</i> berarti rumah usaha. <i>Baitul</i> <i>maal</i> dikembangkan berdasarkan sejarah perkembangannya, yakni dari masa Nabi sampai abad pertengahan perkembangan Islam. Dimana <i>Baitul Maal </i>berfungsi untuk mengumpulkan sekaligus men<i>tasyaruf</i>kan dana sosial. Sedangkan <i>Baitul Tamwil </i>merupakan lembaga bisnis yang bermotif laba.<b> <o:p></o:p></b></span></div> <div class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 18.0pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 18.0pt;"> <span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">Dari pengertian tersebut, yang dimaksud dengan BMT adalah suatu<b> </b>organisasi bisnis yang juga berperan sosial. Peran sosial BMT akan<b> </b>terlihat pada definisi <i>Baitul Maal</i>, sedangkan peran bisnis BMT terlihat<b> </b>dari definisi <i>Baitul Tamwil</i>. Sebagai lembaga sosial, <i>baitul maal</i><b> </b>memiliki kesamaan fungsi dan peran dengan Lembaga Amil Zakat<b> </b>(LAZ), oleh karenanya <i>baitu maal</i> ini harus didorong agar mampu<b> </b>berperan secara professional menjadi LAZ yang mapan. Fungsi<b> </b>tersebut paling tidak meliputi upaya pengumpulan dana zakat,infak,<b> </b>sedekah, wakaf dan sumber dana-dana sosial yang lain. Dan upaya <i>pensyarufan</i> zakat kepada golongan yang paling berhak sesuai dengan<b> </b>ketentuan asnabiah (UU Nomor 38 Tahun 1999).<a href="file:///D:/IBNU%20SOIM/ARSYADA/SEJARAH%20SINGKAT%20BMT%20ARSYADA.docx#_ftn1" name="_ftnref1" title=""><span class="MsoFootnoteReference"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span style="color: black; font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-language: AR-SA; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin; mso-themecolor: text1;">[1]</span></span><!--[endif]--></span></a><o:p></o:p></span></div> <div class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 18.0pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 18.0pt;"> <br /></div> <div class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 18.0pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 18.0pt;"> <span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">Sebagai lembaga bisnis, BMT lebih mengembangkan usahanya pada sektor keuangan, yakni simpan pinjam. Usaha ini seperti usaha perbankan yakni menghimpun dana anggota dan calon anggota serta menyalurkannya kepada sektor ekonomi yang halal dan menguntungkan.<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 18.0pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 18.0pt;"> <br /></div> <div class="MsoListParagraphCxSpFirst" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 18.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l4 level1 lfo1; text-align: justify; text-autospace: none; text-indent: -18.0pt;"> <!--[if !supportLists]--><b><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">B.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; font-weight: normal; line-height: normal;">     </span></span></b><!--[endif]--><b><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">SEJARAH SINGKAT BMT ARSYADA<o:p></o:p></span></b></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 18.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 18.0pt;"> <span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">BMT Arsyada didirikan pada tanggal 21 Juli 2013 dan telah diakui oleh Pemerintah dengan surat izin Provinsi Lampung Nomor: 04/BH/X/III.11/V/2013. BMT Arsyada tersebut didirikan oleh Andri Yulianto, SE sebagai Ketua, Fuad Ashari, M.EI., sebagai Sekretaris, dan Dwi Fajarianto sebagai bendahara umum. <o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 18.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 18.0pt;"> <span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">BMT Arsyada tersebut berkedudukan atau beralamatkan di Jalan Jenderal Sudirman No. 110 Kelurahan Imopuro, Kecamatan Metro Pusat, Kota Metro Provinsi Lampung. <o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 18.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 18.0pt;"> <span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">Motto dari BMT Arsyada sendiri yaitu mengusung motto<i> Sejahtera Bersama Anggota, </i>yang selalu melakukan pendekatan kepada Masyarakat luas agar senantiasa <i>Dekat dihati semakin di cintai.</i><o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 18.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 18.0pt;"> <span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">Sudah saatnya anda beralih ke sistem Syariah agar harta dan benda anda lebih barokah dengan segera mendaftarkan diri anda menjadi anggota BMT Arsyada sekarang juga.<o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 18.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 18.0pt;"> <br /></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 18.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l4 level1 lfo1; text-align: justify; text-autospace: none; text-indent: -18.0pt;"> <!--[if !supportLists]--><b><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">C.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; font-weight: normal; line-height: normal;">    </span></span></b><!--[endif]--><b><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">ALAMAT BMT ARSYADA<o:p></o:p></span></b></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 18.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 18.0pt;"> <span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">BMT Arsyada sejak berdiri dari tahun 2013 hingga saat ini sudah mempunyai beberapa kantor cabang. Diantaranya adalah sebagai berikut:<o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 18.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 18.0pt;"> <br /></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l2 level1 lfo2; text-align: justify; text-autospace: none; text-indent: -18.0pt;"> <!--[if !supportLists]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">1.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">      </span></span><!--[endif]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">Kantor Pusat<o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-layout-grid-align: none; text-align: justify; text-autospace: none;"> <span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">Kantor Pusat BMT Arsyada beralamatkan di Jalan Jenderal Sudirman No. 110, Kel. Imopuro, Kec. Metro Pusat, Kota Metro, Provinsi Lampung<o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l2 level1 lfo2; text-align: justify; text-autospace: none; text-indent: -18.0pt;"> <!--[if !supportLists]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">2.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">      </span></span><!--[endif]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">Kantor Layanan Kas <o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-layout-grid-align: none; text-align: justify; text-autospace: none;"> <span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">Untuk kantor layanan kas sendiri beralamatkan di Kompleks Pasar Banar Joyo, Kec. Batanghari, Kab. Lampung Timur<o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l2 level1 lfo2; text-align: justify; text-autospace: none; text-indent: -18.0pt;"> <!--[if !supportLists]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">3.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">      </span></span><!--[endif]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">Kantor Cabang Simpang Randu<o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-layout-grid-align: none; text-align: justify; text-autospace: none;"> <span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">Untuk Kantor Cabang Simpang Randu beralamatkan di Jalan Raya Lintas Timur, Kel. Simpang Randu, Kec. Way Seputih, Kab. Lampung Barat<o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l2 level1 lfo2; text-align: justify; text-autospace: none; text-indent: -18.0pt;"> <!--[if !supportLists]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">4.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">      </span></span><!--[endif]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">Kantor Cabang Sekincau<o:p></o:p></span></div> <div class="MsoListParagraphCxSpLast" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-layout-grid-align: none; text-align: justify; text-autospace: none;"> <span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">Sedangkan Kantor Cabang Sekincau beralamatkan di Jalan Raya Lintas Liwa, Kel. Betung Sukosari, Kec. Sekincau, Kab. Lampung Barat.<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 18.0pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;"> <br /></div> <div class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 18.0pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 18.0pt;"> <span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">Dengan adanya cabang tersebut menjadikan kinerja dan pelayanan BMT Arsyada menjadi maksimal. Demi untuk menjadikan lembaga tersebut menjadi lembaga yang besar, maka sudah direncanakan pembukaan cabang-cabang baru yang ada di seluruh Provinsi Lampung setiap tahunnya.<o:p></o:p></span></div> <div class="MsoListParagraphCxSpFirst" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-layout-grid-align: none; text-align: justify; text-autospace: none;"> <br /></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 18.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l4 level1 lfo1; text-align: justify; text-autospace: none; text-indent: -18.0pt;"> <!--[if !supportLists]--><b><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">D.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; font-weight: normal; line-height: normal;">    </span></span></b><!--[endif]--><b><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">PRODUK-PRODUK BMT ARSYADA<o:p></o:p></span></b></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 18.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 18.0pt;"> <span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">Didalam menjalankan managemen BMT Arsyada, BMT Arsyada mempunyai strategi dalam mengembangkan lembaga keuangannya agar lebih berkembang untuk kedepannya, yaitu dengan cara memberikan pelayanan kepada anggota ataupun calon anggota penabung maupun calon anggota pembiayaan. Dalam memberikan pelayanan tersebut, BMT Arsyada mempunyai banyak produk. Diantaranya adalah sebagai berikut:<a href="file:///D:/IBNU%20SOIM/ARSYADA/SEJARAH%20SINGKAT%20BMT%20ARSYADA.docx#_ftn2" name="_ftnref2" title=""><span class="MsoFootnoteReference"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span style="color: black; font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-language: AR-SA; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin; mso-themecolor: text1;">[2]</span></span><!--[endif]--></span></a><o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l3 level1 lfo3; text-align: justify; text-autospace: none; text-indent: -18.0pt;"> <!--[if !supportLists]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">1.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">      </span></span><!--[endif]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">Produk Simpanan Idul Qurban<o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 36.0pt;"> <span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">Produk simpanan Idul Qurban adalah simpanan khusus yang diperuntukan dan hanya bisa menjelang Hari Raya Idul Qurban dengan nisbah  (Porsentase) bagi hasil 30% untuk anggota dan 70% untuk BMT Arsyada (30:70).<o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l3 level1 lfo3; text-align: justify; text-autospace: none; text-indent: -18.0pt;"> <!--[if !supportLists]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">2.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">      </span></span><!--[endif]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">Produk Simpanan Suka Hati<o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 36.0pt;"> <span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">Produk Simpanan Suka Hati adalah simpanan yang bisa ditambah dan diambil dalam sewaktu-waktu diperlukan sesuai dengan kehendak sesuka hati dengan nisbah (porsentase) bagi hasil 25% untuk anggota dan 70% untuk BMT Arsyada (25: 75)<o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l3 level1 lfo3; text-align: justify; text-autospace: none; text-indent: -18.0pt;"> <!--[if !supportLists]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">3.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">      </span></span><!--[endif]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">Produk Simpanan Pendidikan<o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 36.0pt;"> <span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">Produk Simpanan Pendidikan adalah suatu simpanan yang khusus diperuntukan dan hanya dapat diambil menjelang semesteran atau per 6 (enam) bulan sekali dengan nisbah (porsentase) bagi hasil 25% untuk anggota dan 75% untuk BMT Arsyada (25:75)<o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l3 level1 lfo3; text-align: justify; text-autospace: none; text-indent: -18.0pt;"> <!--[if !supportLists]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">4.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">      </span></span><!--[endif]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">Produk Simpanan Berjangka<o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 18.0pt;"> <span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">Produk simpanan berjangka yaitu simpanan yang menggunakan sistem tempo dengan bagi hasil yang kompetitif, adapun jangka waktunya adalah sebagai berikut:<o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-layout-grid-align: none; text-align: justify; text-autospace: none;"> <br /></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 54.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l0 level1 lfo4; text-align: justify; text-autospace: none; text-indent: -18.0pt;"> <!--[if !supportLists]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">-<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">          </span></span><!--[endif]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">3 bulan                  nisbah 30: 70<o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 54.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l0 level1 lfo4; text-align: justify; text-autospace: none; text-indent: -18.0pt;"> <!--[if !supportLists]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">-<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">          </span></span><!--[endif]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">6 bulan                  nisbah 40: 60<o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 54.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l0 level1 lfo4; text-align: justify; text-autospace: none; text-indent: -18.0pt;"> <!--[if !supportLists]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">-<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">          </span></span><!--[endif]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">12 bulan                nisbah 50: 50<o:p></o:p></span></div> <div class="MsoListParagraphCxSpLast" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 54.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l0 level1 lfo4; text-align: justify; text-autospace: none; text-indent: -18.0pt;"> <!--[if !supportLists]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">-<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">          </span></span><!--[endif]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">24 bulan                nisbah 60: 40<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 36.0pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none;"> <br /></div> <div class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 36.0pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 18.0pt;"> <span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">Adapun setoran untuk simpanan berjangka (deposito) tersebut minimal Rp. 1.000.000,00 dan kelipatannya. Buktikanlah kami yang terbaik dari yang terbaik, segera daftarkan diri anda menjadi salah satu diantara orang yang beruntung dengan menjadi anggota BMT Arsyada terdekat.<o:p></o:p></span></div> <div class="MsoListParagraphCxSpFirst" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l3 level1 lfo3; text-align: justify; text-autospace: none; text-indent: -18.0pt;"> <!--[if !supportLists]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">5.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">      </span></span><!--[endif]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">Produk Simpanan Idul Fitri<o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 36.0pt;"> <span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">Produk simpanan Idul Fitri yaitu simpanan yang dapat diambil setahun sekali yaitu setiap sebulan sebelum menjelang Hari Raya Idul Fitri.  Dalam simpanan tersebut BMT Arsyada memberikan Doorprize  paket lebaran setiap kelipatan Rp. 1.000.000,00.<o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 36.0pt;"> <span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">Syarat untuk mendapatkan paket Doorprize yaitu anggo atau calon anggota melakukan transaksi simpanan Idul  Fitri dalam periode 2015 sampai dengan Desember 2015, saldo simpanan minimal Rp. 1.000.000,00 akan mendapatkan satu paket bingkisan dan kelipatannya tanpa diundi.<o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 36.0pt;"> <span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">Contoh: Ibu Ani mempunyai simpanan Idul Fitri di BMT Arsyada sebesar Rp. 5.000.000,00 maka BMT Arsyada akan memberikan Doorprize bingkisan Idul Fitri sebanyak lima buah, apabila mempunyai saldo tabungan di BMT Arsyada Rp. 10.000.000,00 maka Ibu Ani akan mendapatkan sepuluh bingkisan dan berlaku kelipatannya.<o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 36.0pt;"> <span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">Dalam satu paket tersebut terdapat enam item diantaranya adalah sebagai berikut:<o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 54.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l1 level1 lfo5; text-align: justify; text-autospace: none; text-indent: -18.0pt;"> <!--[if !supportLists]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">a.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">       </span></span><!--[endif]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">Mendapatkan softdrink 1,5 liter<o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 54.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l1 level1 lfo5; text-align: justify; text-autospace: none; text-indent: -18.0pt;"> <!--[if !supportLists]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">b.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">      </span></span><!--[endif]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">Mendapatkan susu 1 kaleng<o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 54.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l1 level1 lfo5; text-align: justify; text-autospace: none; text-indent: -18.0pt;"> <!--[if !supportLists]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">c.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">       </span></span><!--[endif]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">Mendapatkan biskuit kemasan lebaran<o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 54.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l1 level1 lfo5; text-align: justify; text-autospace: none; text-indent: -18.0pt;"> <!--[if !supportLists]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">d.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">      </span></span><!--[endif]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">Mendapatkan minyak sayur 2 Kg<o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 54.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l1 level1 lfo5; text-align: justify; text-autospace: none; text-indent: -18.0pt;"> <!--[if !supportLists]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">e.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">       </span></span><!--[endif]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">Mendapatkan tepung terigu 1,5 Kg<o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 54.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l1 level1 lfo5; text-align: justify; text-autospace: none; text-indent: -18.0pt;"> <!--[if !supportLists]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">f.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">       </span></span><!--[endif]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">Mendapatkan gula putih.*<o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 18.0pt;"> <br /></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 18.0pt;"> <span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">Adapun periode dalam mendapatkan bingkisan lebaran tersebut yaitu Agustus 2015 sampai dengan Desember 2015. Bagi yang berminat silahkan membuka simpanan Idul Fitri di BMT Arsyada, apabila yang baru tahu informasinya, jangan kuatir tahun depan masih ada paketannya. Ayo segera tingkatkan saldo simpanan Idul Fitri anda agar dapat bingkisan lebaran yang sangat menguntungkan agar lebaran anda semakin berseri bersama keluarga.<o:p></o:p></span></div> <div class="MsoListParagraphCxSpLast" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 18.0pt;"> <span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">Ambil bingkisan lebarannya dan uang dapat diambil pula waktu sebulan sebelum lebaran. Tunggu apalagi, ayo tingkatkan saldo simpanan Idul Fitri anda semua.<o:p></o:p></span></div> <div align="center" class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 36.0pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;"> <b><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">*Syarat dan ketentuan berlaku.*<o:p></o:p></span></b></div> <div class="MsoListParagraphCxSpFirst" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l3 level1 lfo3; text-align: justify; text-autospace: none; text-indent: -18.0pt;"> <!--[if !supportLists]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">6.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">      </span></span><!--[endif]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">Produk Simpanan Arsyada Membahana<o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 36.0pt;"> <span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">Program ini diperuntukan hanya untuk anda calon anggota ataupun anggota lama BMT Arsyada yang selalu setia dan semakin mempercayai BMT Arsyada sebagai satu-satunya Lembaga Keuangan pilihan hati dan selalu dekat di hati. Simpanan membahana (deposito) periode 2015 sampai dengan 2016.<o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 54.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l6 level1 lfo6; text-align: justify; text-autospace: none; text-indent: -18.0pt;"> <!--[if !supportLists]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">a.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">       </span></span><!--[endif]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">Membahana 6 bulan:<o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 72.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l0 level1 lfo4; text-align: justify; text-autospace: none; text-indent: -18.0pt;"> <!--[if !supportLists]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">-<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">          </span></span><!--[endif]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">Simpanan Rp. 50.000.000,00 akan mendapatkan TV LCD 29 Inc*<o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 72.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l0 level1 lfo4; text-align: justify; text-autospace: none; text-indent: -18.0pt;"> <!--[if !supportLists]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">-<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">          </span></span><!--[endif]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">Simpanan Rp. 75.000.000,00 akan mendapatkan 7 grm emas*<o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 72.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l0 level1 lfo4; text-align: justify; text-autospace: none; text-indent: -18.0pt;"> <!--[if !supportLists]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">-<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">          </span></span><!--[endif]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">Simpanan Rp. 100.000.000,00 akan mendapatkan 10 grm emas*<o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 54.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l6 level1 lfo6; text-align: justify; text-autospace: none; text-indent: -18.0pt;"> <!--[if !supportLists]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">b.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">      </span></span><!--[endif]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">Membahana 18 bulan:<o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 72.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l0 level1 lfo4; text-align: justify; text-autospace: none; text-indent: -18.0pt;"> <!--[if !supportLists]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">-<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">          </span></span><!--[endif]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">Simpanan Rp. 50.000.000,00 akan mendapatkan 11 grm emas*<o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 72.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l0 level1 lfo4; text-align: justify; text-autospace: none; text-indent: -18.0pt;"> <!--[if !supportLists]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">-<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">          </span></span><!--[endif]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">Simpanan Rp. 75.000.000,00 akan mendapatkan 16 grm emas*<o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 72.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l0 level1 lfo4; text-align: justify; text-autospace: none; text-indent: -18.0pt;"> <!--[if !supportLists]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">-<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">          </span></span><!--[endif]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">Simpanan Rp. 100.000.000,00 akan mendapatkan 1 unit sepeda motor metic*<o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 54.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l6 level1 lfo6; text-align: justify; text-autospace: none; text-indent: -18.0pt;"> <!--[if !supportLists]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">c.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">       </span></span><!--[endif]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">Membahana 26 bulan:<o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 72.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l0 level1 lfo4; text-align: justify; text-autospace: none; text-indent: -18.0pt;"> <!--[if !supportLists]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">-<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">          </span></span><!--[endif]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">Simpanan Rp. 50.000.000,00 akan mendapatkan 1 unit sepeda motor metic*<o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 72.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l0 level1 lfo4; text-align: justify; text-autospace: none; text-indent: -18.0pt;"> <!--[if !supportLists]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">-<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">          </span></span><!--[endif]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">Simpanan Rp. 75.000.000,00 akan mendapatkan 1 unit sepeda motor metic ditambahkan dengan 7 gram emas*<o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 72.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l0 level1 lfo4; text-align: justify; text-autospace: none; text-indent: -18.0pt;"> <!--[if !supportLists]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">-<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">          </span></span><!--[endif]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">Simpanan Rp. 100.000.000,00 akan mendapatkan 1 unit sepeda motor metic dan ditambah dengan 10 gram emas*<o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 72.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l0 level1 lfo4; text-align: justify; text-autospace: none; text-indent: -18.0pt;"> <!--[if !supportLists]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">-<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">          </span></span><!--[endif]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">Simpanan Rp. 1.000.000.000,00 akan mendapatkan 1 unit Mobil*<o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 54.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 18.0pt;"> <br /></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 54.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 18.0pt;"> <span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">Semua hadiah diatas tanpa diundi dan akan diberikan di awal, sistem simpanan tersebut menggunakan akad <i>Wadiah Yad Dhomanah</i> yaitu sistem simpanan yang tidak menggunakan sistem bagi hasil tetapi menggunakan sistem hadiah dan diberikan diawal atau pada saat anggota mulai melakukan transaksi simpanan.<o:p></o:p></span></div> <div align="center" class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-layout-grid-align: none; text-align: center; text-autospace: none; text-indent: 18.0pt;"> <b><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">* Syarat dan ketentuan berlaku.*<o:p></o:p></span></b></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l3 level1 lfo3; text-align: justify; text-autospace: none; text-indent: -18.0pt;"> <!--[if !supportLists]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">7.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">      </span></span><!--[endif]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">Produk Pembiayaan<o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 36.0pt;"> <span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">Produk pembiayaan di BMT Arsyada meliputi segala aspek kebutuhan  masyarakat, sehingga masyarakat dapat mendapatkan pelayanan sebaik mungkin dari BMT Arsyada tersebut. Adapun produk-produk Pembiayaan tersebut yaitu:<o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 54.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l0 level1 lfo4; text-align: justify; text-autospace: none; text-indent: -18.0pt;"> <!--[if !supportLists]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">-<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">          </span></span><!--[endif]--><i><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">Murabahah</span></i><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;"><o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 54.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l0 level1 lfo4; text-align: justify; text-autospace: none; text-indent: -18.0pt;"> <!--[if !supportLists]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">-<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">          </span></span><!--[endif]--><i><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">Musyarakah</span></i><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;"><o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 54.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l0 level1 lfo4; text-align: justify; text-autospace: none; text-indent: -18.0pt;"> <!--[if !supportLists]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">-<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">          </span></span><!--[endif]--><i><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">Mudharabah</span></i><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;"><o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 54.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l0 level1 lfo4; text-align: justify; text-autospace: none; text-indent: -18.0pt;"> <!--[if !supportLists]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">-<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">          </span></span><!--[endif]--><i><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">Ijarah</span></i><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;"><o:p></o:p></span></div> <div class="MsoListParagraphCxSpLast" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 54.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l0 level1 lfo4; text-align: justify; text-autospace: none; text-indent: -18.0pt;"> <!--[if !supportLists]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">-<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">          </span></span><!--[endif]--><i><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">Hawalah.<a href="file:///D:/IBNU%20SOIM/ARSYADA/SEJARAH%20SINGKAT%20BMT%20ARSYADA.docx#_ftn3" name="_ftnref3" title=""><span class="MsoFootnoteReference"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><b><span style="color: black; font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-language: AR-SA; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin; mso-themecolor: text1;">[3]</span></b></span><!--[endif]--></span></a></span></i><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;"><o:p></o:p></span></div> <div class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 36.0pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 18.0pt;"> <span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">Produk-produk tersebut diatas adalah akad pembiayaan yang telah di syahkan oleh Majelis Ulama’ Indonesia (MUI)  agar dana yang kami salurkan tidak menyimpang dari aturan-aturan agama Islam sehingga harta yang kita usahakan dapat bermanfaat dan barokah.<o:p></o:p></span></div> <div class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 36.0pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 18.0pt;"> <span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">Adapun persyaratan dalam mengajukan pembiayaan di BMT Arsyada yaitu:<o:p></o:p></span></div> <div class="MsoListParagraphCxSpFirst" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 54.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l5 level1 lfo7; text-align: justify; text-autospace: none; text-indent: -18.0pt;"> <!--[if !supportLists]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">1.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">      </span></span><!--[endif]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">Menjadi anggota BMT Arsyada dengan membayar uang pendaftaran sebesar Rp. 20.000,00<o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 54.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l5 level1 lfo7; text-align: justify; text-autospace: none; text-indent: -18.0pt;"> <!--[if !supportLists]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">2.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">      </span></span><!--[endif]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">Mengisi formulir pendaftaran anggota dan formulir pembiayaan<o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 54.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l5 level1 lfo7; text-align: justify; text-autospace: none; text-indent: -18.0pt;"> <!--[if !supportLists]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">3.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">      </span></span><!--[endif]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">Menyerahkan fotocopy KTP suami istri masing-masing 1 lembar<o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 54.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l5 level1 lfo7; text-align: justify; text-autospace: none; text-indent: -18.0pt;"> <!--[if !supportLists]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">4.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">      </span></span><!--[endif]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">Menyerahkan fotocopy Kartu Keluarga <o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 54.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l5 level1 lfo7; text-align: justify; text-autospace: none; text-indent: -18.0pt;"> <!--[if !supportLists]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">5.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">      </span></span><!--[endif]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">Menyerahkan fotocopy jaminan (Jika BPKB dilampiri fotocopy STNK)<o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 54.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l5 level1 lfo7; text-align: justify; text-autospace: none; text-indent: -18.0pt;"> <!--[if !supportLists]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">6.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">      </span></span><!--[endif]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">Melampirkan surat kuasa asli jika surat jaminan tersebut bukan atas nama sendiri<o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 54.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l5 level1 lfo7; text-align: justify; text-autospace: none; text-indent: -18.0pt;"> <!--[if !supportLists]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">7.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">      </span></span><!--[endif]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">Menyerahkan Pas Photo 3x4 suami istri masing-masing 1 lembar<o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 54.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l5 level1 lfo7; text-align: justify; text-autospace: none; text-indent: -18.0pt;"> <!--[if !supportLists]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">8.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">      </span></span><!--[endif]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">Menyerahkan fotocopy kartu nikah/buku nikah<o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 54.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l5 level1 lfo7; text-align: justify; text-autospace: none; text-indent: -18.0pt;"> <!--[if !supportLists]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">9.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">      </span></span><!--[endif]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">Berpenghasilan tetap<o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 54.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l5 level1 lfo7; text-align: justify; text-autospace: none; text-indent: -18.0pt;"> <!--[if !supportLists]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">10.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">  </span></span><!--[endif]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">Jujur, amanah dan bertanggung jawab<o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 54.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l5 level1 lfo7; text-align: justify; text-autospace: none; text-indent: -18.0pt;"> <!--[if !supportLists]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">11.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">  </span></span><!--[endif]--><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">Bersedia di survey.<o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 18.0pt;"> <br /></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 18.0pt;"> <span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">Semua berkas yang sudah masuk di BMT Arsyada tidak dapat diambil kembali dan BMT Arsyada berhak mencairkan atau tidak pengajuan anggota tanpa memberikan alasan yang jelas.<a href="file:///D:/IBNU%20SOIM/ARSYADA/SEJARAH%20SINGKAT%20BMT%20ARSYADA.docx#_ftn4" name="_ftnref4" title=""><span class="MsoFootnoteReference"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span style="color: black; font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-language: AR-SA; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin; mso-themecolor: text1;">[4]</span></span><!--[endif]--></span></a><o:p></o:p></span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 18.0pt;"> <br /></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 18.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l4 level1 lfo1; text-align: justify; text-autospace: none; text-indent: -18.0pt;"> <!--[if !supportLists]--><b><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">E.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; font-weight: normal; line-height: normal;">     </span></span></b><!--[endif]--><b><span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">PRODUK LAINNYA<o:p></o:p></span></b></div> <div class="MsoListParagraphCxSpLast" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 18.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 18.0pt;"> <span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 200%;">BMT Arsyada selain mempunyai produk simpanan dan produk pembiayaan, BMT Arsyada juga melayani Transfer Online, Pembayaran Token Listrik, melakukan pembayaran Isi Ulang Pulsa Elektrik, Tagihan PDPAM, Bayar Angsuran Jiwa Sraya, dan masih banyak lagi.<b><o:p></o:p></b></span></div> <br /> <div> <!--[if !supportFootnotes]--><br clear="all" /> <hr align="left" size="1" width="33%" /> <!--[endif]--> <br /> <div id="ftn1"> <div class="MsoFootnoteText" style="text-align: justify; text-indent: 36.0pt;"> <a href="file:///D:/IBNU%20SOIM/ARSYADA/SEJARAH%20SINGKAT%20BMT%20ARSYADA.docx#_ftnref1" name="_ftn1" title=""><span class="MsoFootnoteReference"><span style="font-family: "times new roman" , "serif";"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span style="font-size: 10pt; line-height: 115%;">[1]</span></span><!--[endif]--></span></span></a><span style="font-family: "times new roman" , "serif";">Muhammad Ridwan, <i>Managemen Baitul Maal Wat Tamwil, </i>(Yogyakarta: UII Press, 2004), hal. 123. <o:p></o:p></span></div> </div> <div id="ftn2"> <div class="MsoFootnoteText" style="text-indent: 36.0pt;"> <a href="file:///D:/IBNU%20SOIM/ARSYADA/SEJARAH%20SINGKAT%20BMT%20ARSYADA.docx#_ftnref2" name="_ftn2" title=""><span class="MsoFootnoteReference"><span style="font-family: "times new roman" , "serif";"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span style="font-size: 10pt; line-height: 115%;">[2]</span></span><!--[endif]--></span></span></a><span style="font-family: "times new roman" , "serif";"> BMT Arsyada, <i>Brosur Baitul Maal Wat Tamwil Arsyada, </i>(Metro: BMT Arsyada, 2015).<o:p></o:p></span></div> </div> <div id="ftn3"> <div class="MsoFootnoteText" style="text-indent: 36.0pt;"> <a href="file:///D:/IBNU%20SOIM/ARSYADA/SEJARAH%20SINGKAT%20BMT%20ARSYADA.docx#_ftnref3" name="_ftn3" title=""><span class="MsoFootnoteReference"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span style="font-family: "calibri" , "sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ansi-language: IN; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-language: AR-SA; mso-bidi-theme-font: minor-bidi; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">[3]</span></span><!--[endif]--></span></a> <span style="font-family: "times new roman" , "serif";">BMT Arsyada, <i>Brosur Baitul Maal Wat Tamwil Arsyada, </i>(Metro: BMT Arsyada, 2015).<o:p></o:p></span></div> </div> <div id="ftn4"> <div class="MsoFootnoteText" style="text-indent: 36.0pt;"> <a href="file:///D:/IBNU%20SOIM/ARSYADA/SEJARAH%20SINGKAT%20BMT%20ARSYADA.docx#_ftnref4" name="_ftn4" title=""><span class="MsoFootnoteReference"><!--[if !supportFootnotes]--><span class="MsoFootnoteReference"><span style="font-family: "calibri" , "sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ansi-language: IN; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-language: AR-SA; mso-bidi-theme-font: minor-bidi; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">[4]</span></span><!--[endif]--></span></a> <span style="font-family: "times new roman" , "serif";">BMT Arsyada, <i>Brosur Baitul Maal Wat Tamwil Arsyada, </i>(Metro: BMT Arsyada, 2015).<o:p></o:p></span></div> </div> </div> </div>

BAB I SEJARAH SINGKAT BMT ARSYADA

SEJARAH SINGKAT BMT ARSYADA A.    PENGERTIAN BMT BMT merupakan kependekan dari Baitul Maal Wat Tamwil atau dapat juga ditulis dengan Baitul Maal Wa Baitul Tamwil. Secara Harfiah Lughowi Baitul Maal b…

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BAB I PERKEMBANGAN SISTEM PERBANKAN SYARI’AH

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mso-style-priority:99; mso-style-qformat:yes; mso-style-parent:""; mso-padding-alt:0in 5.4pt 0in 5.4pt; mso-para-margin-top:0in; mso-para-margin-right:0in; mso-para-margin-bottom:10.0pt; mso-para-margin-left:0in; line-height:115%; mso-pagination:widow-orphan; font-size:11.0pt; font-family:"Calibri","sans-serif"; mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin; mso-hansi-font-family:Calibri; mso-hansi-theme-font:minor-latin; mso-ansi-language:IN;} </style> <![endif]--><!--[if gte mso 9]><xml> <o:shapedefaults v:ext="edit" spidmax="1027"/> </xml><![endif]--><!--[if gte mso 9]><xml> <o:shapelayout v:ext="edit"> <o:idmap v:ext="edit" data="1"/> <o:rules v:ext="edit"> <o:r id="V:Rule1" type="connector" idref="#_x0000_s1026"/> </o:rules> </o:shapelayout></xml><![endif]--> <br /> <div class="separator" style="clear: both; text-align: center;"> <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh2vzgmvNxyCjHTOZ12eSWQ5MDMJTKUgs1dtLehcpRARzo0_gCtfUHZN0mu17nQPbvi2NwVgLSHFE8YzWWRzRsp8faTE8QEnnkdLAa_iyuqSD9gnZv2Yu2aW8MzGKlnyYjxADMLNSfRhT4/s1600/942863_3027918993846_1020449541_n.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh2vzgmvNxyCjHTOZ12eSWQ5MDMJTKUgs1dtLehcpRARzo0_gCtfUHZN0mu17nQPbvi2NwVgLSHFE8YzWWRzRsp8faTE8QEnnkdLAa_iyuqSD9gnZv2Yu2aW8MzGKlnyYjxADMLNSfRhT4/s320/942863_3027918993846_1020449541_n.jpg" width="320" /></a></div> <div align="center" class="MsoNormal" style="line-height: 200%; text-align: center;"> <b style="mso-bidi-font-weight: normal;"><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">BAB I</span></b></div> <div align="center" class="MsoNormal" style="line-height: 200%; text-align: center;"> <b style="mso-bidi-font-weight: normal;"><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">PENDAHULUAN</span></b></div> <div class="MsoNormal"> <br /></div> <div class="MsoNormal"> <br /></div> <div class="MsoNormal" style="line-height: 200%; text-align: justify; text-indent: .5in;"> <span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">Perbankan syari’ah dalam peristilahan internasional dikenal sebagai <i style="mso-bidi-font-style: normal;">Islamic Banking</i> atau juga disebut dengan <i style="mso-bidi-font-style: normal;">interest-free banking.</i> Peristilahan dengan menggunakan kata <i style="mso-bidi-font-style: normal;">Islamic</i> tidak dapat dilepasksan dari asal-usul system perbankan syari’ah itu sendiri. Bank Syari’ah pada awalnya dikembangkan sebagai suatu respon dari kelompok ekonom dan praktisi perbankan. </span></div> <div class="MsoNormal" style="line-height: 200%; text-align: justify; text-indent: .5in;"> <span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">Muslim yang berupaya mengakomodasi<span style="mso-spacerun: yes;">  </span>desakan dari berbagai pihak yang menginginkan agar tersedia jasa transaksi keuangan yang dilaksanakan sejalan dengan nilai moral dan prinsip-prinsip syari’ah Islam. Utamanya adalah berkaitan dengan pelarangan praktik riba, kegiatan <i style="mso-bidi-font-style: normal;">maisir </i>(spekulasi), dan <i style="mso-bidi-font-style: normal;">gharar</i> (ketidak jelasan).</span></div> <div class="MsoNormal"> <br /></div> <b style="mso-bidi-font-weight: normal;"><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-size: 11.0pt; mso-bidi-language: AR-SA; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin;"><br clear="all" style="mso-special-character: line-break; page-break-before: always;" /> </span></b> <div class="MsoNormal"> <br /></div> <div align="center" class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0in; text-align: center;"> <b style="mso-bidi-font-weight: normal;"><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">BAB II</span></b></div> <div align="center" class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0in; text-align: center;"> <b style="mso-bidi-font-weight: normal;"><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">PEMBAHASAN </span></b></div> <div align="center" class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0in; text-align: center;"> <b style="mso-bidi-font-weight: normal;"><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">PERKEMBANGAN SISTEM PERBANKAN SYARI’AH</span></b></div> <div class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0in;"> <br /></div> <div class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0in;"> <br /></div> <div class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0in;"> <br /></div> <div class="MsoListParagraphCxSpFirst" style="line-height: 200%; margin-left: .25in; mso-add-space: auto; mso-list: l5 level1 lfo1; text-indent: -.25in;"> <b style="mso-bidi-font-weight: normal;"><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">A.<span style="font: 7.0pt "Times New Roman";">    </span></span></span></b><b style="mso-bidi-font-weight: normal;"><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">AWAL KELAHIRAN SISTEM PERBANKAN SYARI’AH</span></b></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-left: .25in; mso-add-space: auto; text-align: justify; text-indent: .25in;"> <span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">Sejak awal kelahirannya, perbankan syari’ah dilandasi dengan kehadiran dua gerakan renaissance Islam modern yaitu neorevivalis dan modernis.<a href="http://www.blogger.com/blogger.g?blogID=3762076589651408403#_ftn1" name="_ftnref1" style="mso-footnote-id: ftn1;" title=""><span class="MsoFootnoteReference"><span style="mso-special-character: footnote;"><span class="MsoFootnoteReference"><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-size: 11.0pt; mso-bidi-language: AR-SA; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin;">[1]</span></span></span></span></a> Tujuan utama dari pendirian lembaga keuangan berlandaskan pada etika ini adalah tiada lain sebagai upaya kaum muslimin untuk mendasari segenap aspek kehidupan ekonominya berlandaskan Al-Qur’an dan As-Sunnah.</span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-left: .25in; mso-add-space: auto; text-align: justify; text-indent: .25in;"> <span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">Upaya awal penerapan sistem <i style="mso-bidi-font-style: normal;">profit </i>dan <i style="mso-bidi-font-style: normal;">loss sharing </i><span style="mso-spacerun: yes;"> </span>tercatat di Pakistan dan Malaysia sekitar tahun 1940-an, yaitu adanya mengelola dana jamaah haji secara non konvensional. Rintisan institusional lainnya adalah Islamic Rural Bank di desa Mit Ghamr pada tahun 1963 di Kairo, Mesir.</span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-left: .25in; mso-add-space: auto; text-align: justify; text-indent: .25in;"> <span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">Oleh karena itu, tak heran jika Scharf, mantan direktur utama Bank Islam Denmark <span style="mso-spacerun: yes;"> </span>yang kristen itu, menyatakan bahwa Bank Islam adalah partner baru pembangunan.<a href="http://www.blogger.com/blogger.g?blogID=3762076589651408403#_ftn2" name="_ftnref2" style="mso-footnote-id: ftn2;" title=""><span class="MsoFootnoteReference"><span style="mso-special-character: footnote;"><span class="MsoFootnoteReference"><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-size: 11.0pt; mso-bidi-language: AR-SA; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin;">[2]</span></span></span></span></a></span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-left: .25in; mso-add-space: auto; text-align: justify; text-indent: .25in;"> <br /></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-left: .25in; mso-add-space: auto; text-align: justify; text-indent: .25in;"> <br /></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-left: .75in; mso-add-space: auto; mso-list: l0 level1 lfo2; text-align: justify; text-indent: -.25in;"> <span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";">      </span></span></span><i style="mso-bidi-font-style: normal;"><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">Mit Ghamr Bank</span></i></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-left: .75in; mso-add-space: auto; text-align: justify;"> <span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">Rintisan perbankan syari’ah mulai mewujud di Mesir pada dekade 1960-an dan beroperasi sebagai <i style="mso-bidi-font-style: normal;">rural social bank</i> (semacam lembaga keuangan unit desa di Indonesia) disepanjang delta Sungai Nil.</span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-left: .75in; mso-add-space: auto; mso-list: l0 level1 lfo2; text-align: justify; text-indent: -.25in;"> <span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";">      </span></span></span><i style="mso-bidi-font-style: normal;"><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">Islamic Development Bank</span></i></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-left: .75in; mso-add-space: auto; text-align: justify;"> <span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">Pada sidang Menteri Luar Negeri Negara-negara Organisasi Konferensi Islam di Karachi, Pakistan, Desember 1970 Mesir mengajukan sebuah proposal untuk mendirikan bank syari’ah. Proposal tersebut pada intinya mengusulkan bahwa sistem keuangan berdasarkan bunga harus digantikan dengan suatu sistem kerja sama dengan skema bagi hasil keuntungan maupun kerugian. Proposals tersebut diterima. Sidang menyetujui rencana mendirikan Bank Islam Internasional dan Federasi Bank Islam.<a href="http://www.blogger.com/blogger.g?blogID=3762076589651408403#_ftn3" name="_ftnref3" style="mso-footnote-id: ftn3;" title=""><span class="MsoFootnoteReference"><span style="mso-special-character: footnote;"><span class="MsoFootnoteReference"><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-size: 11.0pt; mso-bidi-language: AR-SA; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin;">[3]</span></span></span></span></a></span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-left: .75in; mso-add-space: auto; mso-list: l0 level1 lfo2; text-align: justify; text-indent: -.25in;"> <span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";">      </span></span></span><i style="mso-bidi-font-style: normal;"><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">Islamic Research and Training Institute</span></i></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-left: .75in; mso-add-space: auto; text-align: justify;"> <span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">IDB juga membantu mendirikan bank-bank Islam diberbagai negara-negara di dunia ini. Untuk pengembangan sistem ekonomi syari’ah, institusi ini membangun sebuah institut riset dan pelatihan untuk mengembangkan penelitian dan pelatihan ekonomi Islam, baik dalam bidang perbankan maupun keuangan secara umum.<a href="http://www.blogger.com/blogger.g?blogID=3762076589651408403#_ftn4" name="_ftnref4" style="mso-footnote-id: ftn4;" title=""><span class="MsoFootnoteReference"><span style="mso-special-character: footnote;"><span class="MsoFootnoteReference"><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-size: 11.0pt; mso-bidi-language: AR-SA; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin;">[4]</span></span></span></span></a></span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-left: .75in; mso-add-space: auto; text-align: justify;"> <br /></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-left: .75in; mso-add-space: auto; text-align: justify;"> <br /></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-left: .75in; mso-add-space: auto; text-align: justify;"> <br /></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-left: .75in; mso-add-space: auto; text-align: justify;"> <br /></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-left: .25in; mso-add-space: auto; mso-list: l5 level1 lfo1; text-indent: -.25in;"> <b style="mso-bidi-font-weight: normal;"><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">B.<span style="font: 7.0pt "Times New Roman";">     </span></span></span></b><b style="mso-bidi-font-weight: normal;"><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">PEMBENTUKAN BANK-BANK SYARI’AH</span></b></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-left: .25in; mso-add-space: auto; text-align: justify; text-indent: .25in;"> <span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">Berdirinya IDB telah memotivasi banyak negara Islam untuk mendirikan lembaga keuangan syari’ah. Untuk itu, komite ahli IDB pun bekerja keras menyiapkan panduan tentang pendirian, peraturan, dan pengawasan bank syari’ah. Secara garis besar, lembaga-lembaga tersebut dapat dimasukan kedalam dua kategori yaitu:</span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-left: .75in; mso-add-space: auto; mso-list: l1 level1 lfo3; text-align: justify; text-indent: -.25in;"> <span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";">      </span></span></span><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">Bank Islam komersial</span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-left: .75in; mso-add-space: auto; mso-list: l1 level1 lfo3; text-align: justify; text-indent: -.25in;"> <span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";">      </span></span></span><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">Lembaga investasi dalam bentuk <i style="mso-bidi-font-style: normal;">internationl holding companies.</i></span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-left: .75in; mso-add-space: auto; text-align: justify;"> <br /></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-left: .25in; mso-add-space: auto; mso-list: l5 level1 lfo1; text-align: justify; text-indent: -.25in;"> <b style="mso-bidi-font-weight: normal;"><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">C.<span style="font: 7.0pt "Times New Roman";">    </span></span></span></b><b style="mso-bidi-font-weight: normal;"><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">PERKEMBANGAN BANK-BANK SYARI’AH DI BERBAGAI NEGARA</span></b></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; mso-list: l2 level1 lfo4; text-align: justify; text-indent: -.25in;"> <span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";">      </span></span></span><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">Pakistan</span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; text-align: justify;"> <span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">Pakistan merupakan pelopor di bidang perbankan syari’ah. Pada awal Juli 1979, sistem bunga dihapuskan dari operasional<span style="mso-spacerun: yes;">  </span>tiga institusi: <i style="mso-bidi-font-style: normal;">National Investment</i>, <i style="mso-bidi-font-style: normal;">House Building Finance Corporation</i> (pembiayaan sektor perumahan), dan <i style="mso-bidi-font-style: normal;">Mutual Funds of the Investment Corporation of Pakistan</i> (Kerjasama Investasi).</span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; mso-list: l2 level1 lfo4; text-align: justify; text-indent: -.25in;"> <span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";">      </span></span></span><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">Mesir </span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; text-align: justify;"> <span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">Bank syari’ah yang didirikan pertama kali di Mesir adalah <span style="mso-spacerun: yes;"> </span><i style="mso-bidi-font-style: normal;">Faisal Islamic Bank</i> (FIB). Bank ini mulai beroperasi pada bulan Maret 1978 dan berhasil membukukan hasil mengesahkan dengan total aset sekitar 2 Milyar dollar AS pada 1986 dan tingkat keuntungan mencapai sekitar 106 juta dolar AS.</span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; text-align: justify;"> <br /></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; text-align: justify;"> <br /></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; mso-list: l2 level1 lfo4; text-align: justify; text-indent: -.25in;"> <span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";">      </span></span></span><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">Kuwait</span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; text-align: justify;"> <i style="mso-bidi-font-style: normal;"><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">Kuwait Financial House</span></i><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;"> didirikan pada tahun 1977 dan sejak awal beroperasinya dengan sistem tanpa bunga. Institusi ini memiliki puluhan cabang di Kuwait dan telah menunjukan perkembangan yang cepat. Selama dua tahun saja, yaitu tahun 1980 hingga 1982, dana masyarakat yang terkumpul meningkat dari sekitar KD 149 juta menjadi KD 474 juta.</span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; mso-list: l2 level1 lfo4; text-align: justify; text-indent: -.25in;"> <span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">4.<span style="font: 7.0pt "Times New Roman";">      </span></span></span><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">Bahrain </span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; text-align: justify;"> <span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">Bahrain merupakan <i style="mso-bidi-font-style: normal;">off shore banking heaven </i>terbesar di Timur Tengah. Dinegara yang hanya berpenduduk tidak lebih dari 660.000 jiwa (per Desember 1999) tumbuh sekitar 220 <i style="mso-bidi-font-style: normal;">local </i>dan <i style="mso-bidi-font-style: normal;">off shore banks.</i> Tidak kurang dari 22 di antaranya beroperasi berdasarkan syari’ah.</span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; mso-list: l2 level1 lfo4; text-align: justify; text-indent: -.25in;"> <span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">5.<span style="font: 7.0pt "Times New Roman";">      </span></span></span><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">Malaysia </span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; text-align: justify;"> <i style="mso-bidi-font-style: normal;"><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">Bank Islam Malaysia Berhad</span></i><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;"> (BIMB) merupakan bank syari’ah pertama kali di Asia Tenggara. Bank ini didirikan pada tahun 1983, dengan 30 persen modal merupakan milik pemerintah federal. Hingga akhir 1999, BIMB telah memiliki lebih dari tujuh puluh cabang yang tersebar hampir di setiap negara bagian dan kota-kota Malaysia.</span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; mso-list: l2 level1 lfo4; text-align: justify; text-indent: -.25in;"> <span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">6.<span style="font: 7.0pt "Times New Roman";">      </span></span></span><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">Iran </span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; text-align: justify;"> <span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">Ide pembangunan Perbankan <span style="mso-spacerun: yes;"> </span>Syari’ah di Iran sesungguhnya bermula sesaat sejak Revolusi Islam Iran yang dipimpin oleh Ayatullah Khomeini pada tahun 1979, sedangkan perkembangan dalam arti riil baru dimulai pada Januari tahun 1984.</span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; text-align: justify;"> <br /></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; mso-list: l2 level1 lfo4; text-align: justify; text-indent: -.25in;"> <span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">7.<span style="font: 7.0pt "Times New Roman";">      </span></span></span><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">Turki </span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; text-align: justify;"> <span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">Sebagai negara yang berideologi sekuler, Turki termasuk negara yang cukup awal memiliki perbankan syaria’h. Pada tahun 1984, Pemerintah Turki memberikan izin kepada Daar al-Maal al-Islam (DMI) untuk mendirikan bank yang beroperasi berdasarkan prinsip bagi hasil. Menurut ketentuan Bank Sentral Turki, bank syari’ah diatur dalm satu yuridis khusus. Setelah DMI berdiri, pada bulan desember 1984 didirikan pula <i style="mso-bidi-font-style: normal;">Faisal Finance Institution</i> dan mulai beroperasi pada bulan April 1985.<a href="http://www.blogger.com/blogger.g?blogID=3762076589651408403#_ftn5" name="_ftnref5" style="mso-footnote-id: ftn5;" title=""><span class="MsoFootnoteReference"><span style="mso-special-character: footnote;"><span class="MsoFootnoteReference"><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-size: 11.0pt; mso-bidi-language: AR-SA; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin;">[5]</span></span></span></span></a></span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; text-align: justify;"> <br /></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-left: .25in; mso-add-space: auto; mso-list: l5 level1 lfo1; text-align: justify; text-indent: -.25in;"> <b style="mso-bidi-font-weight: normal;"><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">D.<span style="font: 7.0pt "Times New Roman";">    </span></span></span></b><b style="mso-bidi-font-weight: normal;"><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">PERKEMBANGAN BANK SYARI’AH DI INDONESIA</span></b></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; mso-list: l4 level1 lfo5; text-indent: -.25in;"> <span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";">      </span></span></span><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">Latar Belakang Bank Syaria’h</span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; text-align: justify; text-indent: .5in;"> <span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">Berkembangnya bank-bank syari’ah di Negara-negara Islam berpengaruh ke Indonesia. Pada awal periode 1980-an, <span style="mso-spacerun: yes;"> </span>diskusi mengenai bank syari’ah sebagai pilar ekonomi Islam mulai dilakukan. Akan tetapi, prakarsa lebih khusus untuk mendirikan bank Islam di Indonesia baru dilakukan pada tahun 1990. Majelis Ulama Indonesia (MUI) pada tanggal 18-29 Agustus 1990 menyelenggarakan Lokakarya Bunga Bank dan Perbankan di Cisarua, Bogor.</span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; text-align: justify; text-indent: .5in;"> <span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">Hasil lokakarya tersebut dibahas lebih mendalam pada Musyawarah Nasional IV MUI yang berlangsung di Hotel Sahid Jaya Jakarta. 22-25 Agustus 1990, berdasarkan amanat Munas IV MUI, dibentuk kelompok kerja untuk mendirikan bank Islam di Indonesia. Kelompok kerja yang disebut dengan Tim Perbankan MUI, bertugas untuk melakukan pendekatan dan konsultasi dengan semua pihak terkait.<a href="http://www.blogger.com/blogger.g?blogID=3762076589651408403#_ftn6" name="_ftnref6" style="mso-footnote-id: ftn6;" title=""><span class="MsoFootnoteReference"><span style="mso-special-character: footnote;"><span class="MsoFootnoteReference"><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-size: 11.0pt; mso-bidi-language: AR-SA; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin;">[6]</span></span></span></span></a></span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; mso-list: l4 level1 lfo5; text-indent: -.25in;"> <span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";">      </span></span></span><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">PT. Bank Muamalat Indonesia (BMI)</span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; text-align: justify; text-indent: .5in;"> <span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">Bank Muamalat Indonsia lahir sebagai hasil kerja Tim Perbankan MUI tersebut di atas. Akte pendirian PT. Bank Muamalat Indonesia ditandatangani pada tanggal 01 November 1991.</span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; text-align: justify; text-indent: .5in;"> <span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">Pada saat penandatanganan akte pendirian ini terkumpul komitmen pembelian saham sebesar Rp. 84 Milliar. Pada tanggal 03 November 1991, dalam acara silaturahmi Presiden di Istana Bogor, dapat dipenuhi dengan total komitmen modal disetor awal sebesar Rp. 106.126.382.000,- dengan modal awal tersebut, pada tanggal 01 Mei 1992, Bank Muamalat Indonesia mulai beroperasi.</span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; text-align: justify; text-indent: .5in;"> <span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">Pada pendirian Bank Muamalat Indonesia (BMI), keberadaan bank syari’ah ini belum mendapatkan perhatian yang optimal dalam tatanan industri perbankan nasional. <span style="mso-spacerun: yes;"> </span>Landasan hukum operasional bank yang menggunakan sistem syari’ah ini hanya dikategorikan sebagai “Bank dengan sistem bagi hasil”. Hal ini sangat tercermin pada UU No. 7 Tahun 1992, dimana pembahasan perbankan dengan sistem bagi hasil diuraikan hanya sepintas lalu dan merupakan sisipan belaka.</span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; mso-list: l4 level1 lfo5; text-indent: -.25in;"> <span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";">      </span></span></span><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">Era Revormasi dan Perbankan Syari’ah</span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; text-align: justify; text-indent: .25in;"> <span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">Perkembangan perbankan syari’ah pada era reformasi di tandai dengan disetujuinya Undang-Undang Nomor 10 Tahun 1998. Dalam Undang-Undang <span style="mso-spacerun: yes;"> </span>tersebut diatur dengan rinci landasan hukum serta jenis-jenis usaha yang dapat dioperasikan dan diimplementasikan oleh bank syari’ah.</span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; text-align: justify; text-indent: .25in;"> <span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">Peluang tersebut ternyata disambut antusias oleh masyarakat perbankan. Sejumlah bank mulai memberikan pelatihan dalam bidang <span style="mso-spacerun: yes;"> </span>perbanakn syari’ah bagi para stafnya. Sebagian bank tersebut ingin menjajaki untuk memiliki devisi atau cabang syari’ah dalam institusinya.</span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-left: .75in; mso-add-space: auto; mso-list: l3 level1 lfo6; text-indent: -.25in;"> <span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">a.<span style="font: 7.0pt "Times New Roman";">       </span></span></span><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">Bank Umum Syari’ah</span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-left: .75in; mso-add-space: auto; text-align: justify; text-indent: .25in;"> <span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">Bank Syari’ah Mandiri (BSM) merupakan bank milik pemerintah pertama yang melandasi operasionalnya pada prinsip syari’ah. Secara struktural, BSM berasal dari Bank Susila Bakti (BSB), sebagai salah satu anak perusahaan lingkup Bank Mandiri (ex BDN), sebagai salah satu anak perusahaan di syariah secara penuh.<a href="http://www.blogger.com/blogger.g?blogID=3762076589651408403#_ftn7" name="_ftnref7" style="mso-footnote-id: ftn7;" title=""><span class="MsoFootnoteReference"><span style="mso-special-character: footnote;"><span class="MsoFootnoteReference"><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-size: 11.0pt; mso-bidi-language: AR-SA; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin;">[7]</span></span></span></span></a></span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-left: .75in; mso-add-space: auto; mso-list: l3 level1 lfo6; text-align: justify; text-indent: -.25in;"> <span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">b.<span style="font: 7.0pt "Times New Roman";">      </span></span></span><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">Cabang Syari’ah dari Bank Konvensional</span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-left: .75in; mso-add-space: auto; text-align: justify; text-indent: .25in;"> <span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">Satu perkembangan lain perbankan syari’ah di Indonesia pasca reformasi adalah diperkenankannya konversi cabang bank umum konvensional menjadi cabang syari’ah.<a href="http://www.blogger.com/blogger.g?blogID=3762076589651408403#_ftn8" name="_ftnref8" style="mso-footnote-id: ftn8;" title=""><span class="MsoFootnoteReference"><span style="mso-special-character: footnote;"><span class="MsoFootnoteReference"><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-size: 11.0pt; mso-bidi-language: AR-SA; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin;">[8]</span></span></span></span></a> Beberapa bank yang sudah dan akan membuka cabang syari’ah diantaranya adalah sebagai berikut:</span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-left: 1.25in; mso-add-space: auto; mso-list: l6 level1 lfo7; text-align: justify; text-indent: -.25in;"> <span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";">      </span></span></span><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">Bank IFI (Membuka cabang pada 28 Juni 1999)</span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-left: 1.25in; mso-add-space: auto; mso-list: l6 level1 lfo7; text-align: justify; text-indent: -.25in;"> <span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";">      </span></span></span><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">Bank Niaga (akan membuka cabang syari’ah)</span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-left: 1.25in; mso-add-space: auto; mso-list: l6 level1 lfo7; text-align: justify; text-indent: -.25in;"> <span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";">      </span></span></span><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">Bank BTN (akan membuka cabang syari’ah)</span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-left: 1.25in; mso-add-space: auto; mso-list: l6 level1 lfo7; text-align: justify; text-indent: -.25in;"> <span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">4.<span style="font: 7.0pt "Times New Roman";">      </span></span></span><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">Bank BNI’46 (akan membuka lima cabang syari’ah)</span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-left: 1.25in; mso-add-space: auto; mso-list: l6 level1 lfo7; text-align: justify; text-indent: -.25in;"> <span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">5.<span style="font: 7.0pt "Times New Roman";">      </span></span></span><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">Bank Mega (akan mengkonversikan satu bank konvensional anak perusahaanya menjadi bank syari’ah)</span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-left: 1.25in; mso-add-space: auto; mso-list: l6 level1 lfo7; text-align: justify; text-indent: -.25in;"> <span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">6.<span style="font: 7.0pt "Times New Roman";">      </span></span></span><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">Bank BRI (akan membuka cabang syari’ah)</span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-left: 1.25in; mso-add-space: auto; mso-list: l6 level1 lfo7; text-align: justify; text-indent: -.25in;"> <span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">7.<span style="font: 7.0pt "Times New Roman";">      </span></span></span><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">Bank Bukopin (tengah melakukan program konversi untuk cabang Aceh)</span></div> <div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-left: 1.25in; mso-add-space: auto; mso-list: l6 level1 lfo7; text-align: justify; text-indent: -.25in;"> <span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">8.<span style="font: 7.0pt "Times New Roman";">      </span></span></span><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">BPD JABAR (telah membuka cabang syari’ah di Bandung)</span></div> <div class="MsoListParagraphCxSpLast" style="line-height: 200%; margin-left: 1.25in; mso-add-space: auto; mso-list: l6 level1 lfo7; text-align: justify; text-indent: -.25in;"> <span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">9.<span style="font: 7.0pt "Times New Roman";">      </span></span></span><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">BPD Aceh (tengah menyiapkan SDM untuk konversi cabang).</span></div> <span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-size: 11.0pt; mso-bidi-language: AR-SA; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin;"><br clear="all" style="mso-special-character: line-break; page-break-before: always;" /> </span> <div class="MsoNormal"> <br /></div> <div align="center" class="MsoNormal" style="line-height: 200%; text-align: center;"> <b style="mso-bidi-font-weight: normal;"><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">BAB III</span></b></div> <div align="center" class="MsoNormal" style="line-height: 200%; text-align: center;"> <b style="mso-bidi-font-weight: normal;"><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">KESIMPULAN</span></b></div> <div class="MsoNormal" style="line-height: 200%;"> <br /></div> <div class="MsoNormal" style="line-height: 200%;"> <br /></div> <div class="MsoListParagraphCxSpFirst" style="line-height: 200%; margin-left: 0in; mso-add-space: auto; text-align: justify; text-indent: .25in;"> <span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">Dari pembahasan resume diatas, maka dapat kami simpulkan bahwa Upaya awal penerapan sistem <i style="mso-bidi-font-style: normal;">profit </i>dan <i style="mso-bidi-font-style: normal;">loss sharing </i><span style="mso-spacerun: yes;"> </span>tercatat di Pakistan dan Malaysia sekitar tahun 1940-an, yaitu adanya mengelola dana jamaah haji secara non konvensional. Rintisan institusional lainnya adalah Islamic Rural Bank di desa Mit Ghamr pada tahun 1963 di Kairo, Mesir.</span></div> <div class="MsoListParagraphCxSpLast" style="line-height: 200%; margin-left: 0in; mso-add-space: auto; text-align: justify; text-indent: .25in;"> <span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">Oleh karena itu, tak heran jika Scharf, mantan direktur utama Bank Islam Denmark<span style="mso-spacerun: yes;">  </span>yang kristen itu, menyatakan bahwa Bank Islam adalah partner baru pembangunan.</span></div> <span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-size: 11.0pt; mso-bidi-language: AR-SA; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin;"><br clear="all" style="mso-special-character: line-break; page-break-before: always;" /> </span> <div class="MsoNormal"> <br /></div> <div align="center" class="MsoNormal" style="line-height: 200%; text-align: center;"> <b style="mso-bidi-font-weight: normal;"><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-bidi-font-size: 11.0pt;">DAFTAR PUSTAKA</span></b></div> <div class="MsoNormal" style="line-height: 200%;"> <br /></div> <div class="MsoFootnoteText" style="margin-left: .5in; text-align: justify; text-indent: -.5in;"> <span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Abdullah Saeed, <i style="mso-bidi-font-style: normal;">Islamic Banking and Interest: A study of the Prohibition of Riba and its Contemporary Interpretation, </i>(Leiden: EJ Brill, 1996).</span></div> <div class="MsoFootnoteText" style="margin-left: .5in; text-align: justify; text-indent: -.5in;"> <br /></div> <div class="MsoFootnoteText" style="margin-left: .5in; text-align: justify; text-indent: -.5in;"> <span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Ahmad el-Najjar, <i style="mso-bidi-font-style: normal;">Bank Bila Fawaid ka Istiratijiyah lil Tanmiyah al-Iqtishadiyyah, </i>(Jeddah: King Abdul Aziz University Press, 1972).</span></div> <div class="MsoFootnoteText" style="margin-left: .5in; text-align: justify; text-indent: -.5in;"> <br /></div> <div class="MsoFootnoteText" style="margin-left: .5in; text-align: justify; text-indent: -.5in;"> <span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Bank Indonesia, <i style="mso-bidi-font-style: normal;">Petunjuk Pelaksanaan Pembukuan Kantor bank Syari’ah, </i>(Jakarta: Bank Indonesia, 1999).</span></div> <div class="MsoFootnoteText" style="margin-left: .5in; text-align: justify; text-indent: -.5in;"> <br /></div> <div class="MsoFootnoteText" style="margin-left: .5in; text-align: justify; text-indent: -.5in;"> <span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Muhammad Amin Azis, <i style="mso-bidi-font-style: normal;">Mengembangkan Bank Islam di Indonesia, </i>(Jakarta: Bankit, 1992).</span></div> <div class="MsoFootnoteText" style="margin-left: .5in; text-align: justify; text-indent: -.5in;"> <br /></div> <div class="MsoFootnoteText" style="margin-left: .5in; text-align: justify; text-indent: -.5in;"> <span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Muhammad Syafi’i Antonio, <i style="mso-bidi-font-style: normal;"><span style="mso-spacerun: yes;"> </span>Bank Syari’ah: Dari Teori Ke Praktik, </i>(Jakarta: Gema Insani, 2001).</span></div> <div class="MsoFootnoteText" style="margin-left: .5in; text-align: justify; text-indent: -.5in;"> <br /></div> <div class="MsoFootnoteText" style="margin-left: .5in; text-align: justify; text-indent: -.5in;"> <span style="height: 2px; left: 0px; margin-left: -5px; margin-top: 12px; mso-ignore: vglayout; position: absolute; width: 191px; z-index: 251658240;"><img height="2" src="file:///C:%5CDOCUME%7E1%5CCOM1%7E1%5CLOCALS%7E1%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_image001.gif" width="191" /></span><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-bidi-font-size: 10.0pt;"><span style="mso-spacerun: yes;">                                                 </span>,<i style="mso-bidi-font-style: normal;">Bank Syari’ah Bagi Bankir dan Praktik Keuangan, </i>(Jakarta: Central Bank Of Indonesia and Tazkia Institute, 1999).</span><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 14.0pt; mso-bidi-font-size: 10.0pt;"></span></div> <div class="MsoFootnoteText" style="margin-left: .5in; text-align: justify; text-indent: -.5in;"> <br /></div> <div class="MsoFootnoteText" style="margin-left: .5in; text-align: justify; text-indent: -.5in;"> <span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Traute Wohler Scharf, <i style="mso-bidi-font-style: normal;">Arab and Islamic Banks: New Business Partners for Developing Countries, </i>(Paris: Development Center of the Organization for Economic: Cooperation and Development: 1990).</span></div> <div class="MsoFootnoteText" style="margin-left: .5in; text-align: justify; text-indent: -.5in;"> <br /></div> <div class="MsoNormal" style="line-height: 200%;"> <br /></div> <div style="mso-element: footnote-list;"> <br clear="all" /> <hr align="left" size="1" width="33%" /> <div id="ftn1" style="mso-element: footnote;"> <div class="MsoFootnoteText" style="text-align: justify; text-indent: .5in;"> <a href="http://www.blogger.com/blogger.g?blogID=3762076589651408403#_ftnref1" name="_ftn1" style="mso-footnote-id: ftn1;" title=""><span class="MsoFootnoteReference"><span lang="IN" style="font-family: "Times New Roman","serif";"><span style="mso-special-character: footnote;"><span class="MsoFootnoteReference"><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 10.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-language: AR-SA; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin;">[1]</span></span></span></span></span></a><span lang="IN" style="font-family: "Times New Roman","serif";"> Abdullah Saeed, <i style="mso-bidi-font-style: normal;">Islamic Banking and Interest: A study of the Prohibition of Riba and its Contemporary Interpretation, </i>(Leiden: EJ Brill, 1996).</span></div> </div> <div id="ftn2" style="mso-element: footnote;"> <div class="MsoFootnoteText" style="text-align: justify; text-indent: .5in;"> <a href="http://www.blogger.com/blogger.g?blogID=3762076589651408403#_ftnref2" name="_ftn2" style="mso-footnote-id: ftn2;" title=""><span class="MsoFootnoteReference"><span lang="IN" style="font-family: "Times New Roman","serif";"><span style="mso-special-character: footnote;"><span class="MsoFootnoteReference"><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 10.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-language: AR-SA; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin;">[2]</span></span></span></span></span></a><span lang="IN" style="font-family: "Times New Roman","serif";"> Traute Wohler Scharf, <i style="mso-bidi-font-style: normal;">Arab and Islamic Banks: New Business Partners for Developing Countries, </i>(Paris: Development Center of the Organization for Economic: Cooperation and Development: 1990).</span></div> </div> <div id="ftn3" style="mso-element: footnote;"> <div class="MsoFootnoteText" style="text-align: justify; text-indent: .5in;"> <a href="http://www.blogger.com/blogger.g?blogID=3762076589651408403#_ftnref3" name="_ftn3" style="mso-footnote-id: ftn3;" title=""><span class="MsoFootnoteReference"><span lang="IN" style="font-family: "Times New Roman","serif";"><span style="mso-special-character: footnote;"><span class="MsoFootnoteReference"><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 10.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-language: AR-SA; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin;">[3]</span></span></span></span></span></a><span lang="IN" style="font-family: "Times New Roman","serif";"> Ahmad el-Najjar, <i style="mso-bidi-font-style: normal;">Bank Bila Fawaid ka Istiratijiyah lil Tanmiyah al-Iqtishadiyyah, </i>(Jeddah: King Abdul Aziz University Press, 1972).</span></div> </div> <div id="ftn4" style="mso-element: footnote;"> <div class="MsoFootnoteText" style="text-indent: .5in;"> <a href="http://www.blogger.com/blogger.g?blogID=3762076589651408403#_ftnref4" name="_ftn4" style="mso-footnote-id: ftn4;" title=""><span class="MsoFootnoteReference"><span lang="IN" style="font-family: "Times New Roman","serif";"><span style="mso-special-character: footnote;"><span class="MsoFootnoteReference"><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 10.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-language: AR-SA; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin;">[4]</span></span></span></span></span></a><span lang="IN" style="font-family: "Times New Roman","serif";"> <i style="mso-bidi-font-style: normal;">Ibid.</i></span></div> </div> <div id="ftn5" style="mso-element: footnote;"> <div class="MsoFootnoteText" style="text-align: justify; text-indent: .5in;"> <a href="http://www.blogger.com/blogger.g?blogID=3762076589651408403#_ftnref5" name="_ftn5" style="mso-footnote-id: ftn5;" title=""><span class="MsoFootnoteReference"><span lang="IN" style="font-family: "Times New Roman","serif";"><span style="mso-special-character: footnote;"><span class="MsoFootnoteReference"><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 10.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-language: AR-SA; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin;">[5]</span></span></span></span></span></a><span lang="IN" style="font-family: "Times New Roman","serif";"> Muhammad Amin Azis, <i style="mso-bidi-font-style: normal;">Mengembangkan Bank Islam di Indonesia, </i>(Jakarta: Bankit, 1992).</span></div> </div> <div id="ftn6" style="mso-element: footnote;"> <div class="MsoFootnoteText" style="text-align: justify; text-indent: .5in;"> <a href="http://www.blogger.com/blogger.g?blogID=3762076589651408403#_ftnref6" name="_ftn6" style="mso-footnote-id: ftn6;" title=""><span class="MsoFootnoteReference"><span lang="IN" style="font-family: "Times New Roman","serif";"><span style="mso-special-character: footnote;"><span class="MsoFootnoteReference"><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 10.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-language: AR-SA; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin;">[6]</span></span></span></span></span></a><span lang="IN" style="font-family: "Times New Roman","serif";"> Muhammad Syafi’i Antonio, <i style="mso-bidi-font-style: normal;"><span style="mso-spacerun: yes;"> </span>Bank Syari’ah: Dari Teori Ke Praktik, </i>(Jakarta: Gema Insani, 2001), hal. 25.</span></div> </div> <div id="ftn7" style="mso-element: footnote;"> <div class="MsoFootnoteText" style="text-align: justify; text-indent: .5in;"> <a href="http://www.blogger.com/blogger.g?blogID=3762076589651408403#_ftnref7" name="_ftn7" style="mso-footnote-id: ftn7;" title=""><span class="MsoFootnoteReference"><span lang="IN" style="font-family: "Times New Roman","serif";"><span style="mso-special-character: footnote;"><span class="MsoFootnoteReference"><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 10.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-language: AR-SA; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin;">[7]</span></span></span></span></span></a><span lang="IN" style="font-family: "Times New Roman","serif";"> Bank Indonesia, <i style="mso-bidi-font-style: normal;">Petunjuk Pelaksanaan Pembukuan Kantor bank Syari’ah, </i>(Jakarta: Bank Indonesia, 1999).</span></div> </div> <div id="ftn8" style="mso-element: footnote;"> <div class="MsoFootnoteText" style="text-align: justify; text-indent: .5in;"> <a href="http://www.blogger.com/blogger.g?blogID=3762076589651408403#_ftnref8" name="_ftn8" style="mso-footnote-id: ftn8;" title=""><span class="MsoFootnoteReference"><span lang="IN" style="font-family: "Times New Roman","serif";"><span style="mso-special-character: footnote;"><span class="MsoFootnoteReference"><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 10.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-language: AR-SA; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin;">[8]</span></span></span></span></span></a><span lang="IN" style="font-family: "Times New Roman","serif";"> Muhammad Syafi’i Antonio, <i style="mso-bidi-font-style: normal;">Bank Syari’ah Bagi Bankir dan Praktik Keuangan, </i>(Jakarta: Central Bank Of Indonesia and Tazkia Institute, 1999).</span></div> </div> </div> </div>

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BAB I PERKEMBANGAN SISTEM PERBANKAN SYARI’AH

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