syariah business

This decade was the heyday of economic application of sharia in Indonesia. Over time, the term sharia is becoming increasingly popular in Indonesia until the year 2000 ago, about 50 institutions shariah-based economy thrives. This is supported by a religious majority Muslim population of Indonesia. End of April 2009, the number had reached hundreds. Unfortunately, amid the rapid development of Islamic economics, tucked a few irregularities and weaknesses in it. Especially in the annunciator, now more than 80% sharia-based economic institutions have not run the Islamic principles in their entirety.Deviations occur, ie products that are marketed instead dominated by consumer products, such as Murabaha (sale), in the form of mortgages, vehicle loans, or other form, dominated no less than 70% of existing Islamic products. This practice is no different than traditional consumer loans. Elements of flowers disguised by elements of cost and profit margin. It should, in carrying out the principles of sharia as a whole, mudaraba, musharaka, istishna, was also marketed. As performed in the country of Sudan, some products are very friendly real sector, such as Musharaka products between banks and farmers in Sudan, this scheme will reach 50% financing there. In Bahrain also mentioned that in making financing murabaha, the bank has the sort of house ware, so the price can be reduced and competitive with supermarkets / hypermarkets in the country. Thus, Indonesia can emulate the efforts of pro SME innovation and the real sector.In addition, people often experience difficulties in accessing Islamic products. With the requirements of the complicated and bureaucratic, Islamic institutions shifted into ivory towers are hard to reach the grass root. In fact, it should be, Islamic economics was developed with the aim to enclose the bottom of it. Worse, the information that states that some Islamic banks only open division for private customers have a fund of no less than Rp 500 million. If this is true, of course alignments financial institutions to be discriminatory and could no longer play a role in the survival of the grass root. Capitalism in the dressing with the term sharia to the interests of capital owners.Appointment and management of Human Resources (HR) in Islamic banks are still biased. Islamic principles, in truth requires moral heavy 70%, followed by knowledge and appearance. But in practice, it was crammed with rote-memorization of Arabic-speaking and training included an instant. Sometimes the concept of Islamic business ethics and has not mastered a comprehensive manner. Weakness is exacerbated by the attitude of Islamic financial institutions which regard merely as a viable market opportunities exploited. This action is certainly an economic crime as a product sharia became a tool of the capitalists to rake in profits as much as possible and as quickly as possible.Actually, when the rapid development of Islamic financial services supported by the directors and staff of Islamic banks is strongly committed in implementing the Islamic principles as a whole, would bring Indonesia Islamic banking towards a better, solid, fair, sympathize SMEs and the orphans in order to try and live independently reasonable.

refferece by http://ekonomisyariah.blog.gunadarma.ac.id/