scholarly journals Tinjauan Hukum Ekonomi Syar’ah: Take Over Pembiayaan Mikro Bank Syari’ah

2021 ◽  
Vol 8 (2) ◽  
pp. 187
Author(s):  
Akhmad Nurasikin
Keyword(s):  
Data Collection ◽  
Research Method ◽  
Islamic Banks ◽  
Literature Study ◽  
Economic Law ◽  
Positive Law ◽  
Legal Consequence ◽  
Conducting Research ◽  
Islamic Economic ◽  
The Right

Although Indonesia is still facing formidable challenges due to the Covid-19 pandemic, the distribution of financing in the MSME sector and the micro segment continues to increase. "This shows that BSI continues to support the growth of MSMEs in the midst of the pandemic storm. Until June 2021, MSME financing at BSI was recorded at 36.82 trillion rupiah. Therefore, the authors are interested in conducting research with the title "Review of Islamic Economic Law Take Over Sharia Bank Microfinance". The purpose of this study is to analyze the TO process of microfinance in Islamic banks and its legal review. The research method used is descriptive analytical while the approach uses empirical juridical and data collection by literature study, interviews and observations. The results of the study stated the views of several scholars and sharia economists regarding the Qardh wal Murabahah contract used as a permissible contract, but in practice it must be subject to strict supervision. The Micro Financing Take Over process is guided by the DSN-MUI Fatwa Number: 31/DSN-MUI/VI/2002 concerning Debt Transfer (Alternative 1) and has become a positive law through Bank Indonesia Regulations (PBI). The legal consequence of this Qardh wal Murabahah contract is that the right of the first customer as a guarantee right holder is legally transferred to the new customer as stated in the Mortgage Certificate (SHT) and Fiduciary Guarantee Certificate.

scholarly journals Analisis Penggunaan Metode Analitycal Hierarchy Process (AHP) dalam Pemberian Pembiayaan bagi Nasabah di BRI Syariah KCP Ujungberung

2020 ◽  
pp. 33
Author(s):  
Iman Yulianto ◽  
N Eva Fauziah ◽  
Nanik Eprianti
Keyword(s):  
Research Method ◽  
Process Analysis ◽  
Descriptive Analysis ◽  
Well Being ◽  
Islamic Banks ◽  
Ahp Method ◽  
Islamic Economic ◽  
The Right ◽  
Hierarchy Process

The application of AHP method in financing risk management and analysis efforts, especially for KURS program in BRI Syariah is implemented in the decision making system application that is built with PHP programming language and uses the "MySql" database application which is expected to create a system that can help the bank in determining KURS recipients. by online. But in the implementation of the application, the AHP analysis process at BRI Syariah can be said to be in harmony with the Maqashid of Sharia and the terms of the distribution of financing as stipulated in the applicable laws. Based on these problems, the authors compile the formulation of the problem as outlined in the form of questions as follows: What are the provisions of Islamic economics regarding the determination of the distribution of financing for customers in Islamic banks? How is the implementation of the analysis of determining the priority of financing for customers using the Analyticalcal Hierarchy Process (AHP) method at BRI Syariah Ujungberung KCP? And how is the analysis of sharia economics towards the determination of financing provision for customers using the Analitycal Hierarchy Process (AHP) method in BRI Syariah Ujungberung KCP? The research method used is a descriptive analysis research method that aims to describe the use of the AHP method in analyzing financing for the MSME sector in the KURS program at BRI Syariah Ujungberung KCP. The conclusion of this study is that the determination of financing distribution for customers in Islamic banks is implemented into the application of the precautionary principle by using elements of the 5C standard and Islamic economic principles such as the principles of openness, honesty and fairness. The financing analysis using the AHP method at BRI Syariah Ujungberung KCP is carried out systematically and conical so as to produce the right, proportional and efficient decisions. And the determination of financing for customers using the Analyticalcal Hierarchy Process (AHP) method in BRI Syariah Ujungberung KCP in general is in accordance with the values and principles of economics in Islam which includes openness, fairness, prudence and openness and various aspects related to with human interests by providing for order in life and well-being (maslahah). Keywords : Process, Analysis, Financing, and Islamic Banks.Penerapan metode AHP dalam upaya analisis dan manajemen risiko pembiayaan khususnya bagi program KURS di BRI Syariah diimplementasikan pada aplikasi sistem pengambilan keputusan yang dibangun dengan bahasa pemograman PHP dan menggunakan aplikasi database “MySql” yang diharapkan dapat membuat sistem yang dapat membantu pihak bank dalam menentukan penerima KURS secara online. Namun dalam pelaksanaan aplikasinya, prosesn analisa AHP di BRI Syariah ini bisa dikatakan selaras dengan maqashid syariah maupun ketentuan penyaluran pembiayaan sebagaimana yang diatur perundang-undangan yang berlaku. Berdasarkan permasalah tersebut, maka penulis menyusun rumusan masalah yang dituangkan ke dalam bentuk pertanyaan sebagai berikut : Bagaimana ketentuan ekonomi syariah tentang penetapan penyaluran pembiayaan bagi nasabah di bank syariah ? Bagaimana pelaksanaan analisis penentuan prioritas pemberian pembiayaan bagi nasabah dengan metode Analitycal Hierarchy Process (AHP) di BRI Syariah KCP Ujungberung ? Dan bagaimana analisis ekonomi syariah terhadap penetapan pemberian pembiayaan bagi nasabah dengan metode Analitycal Hierarchy Process (AHP) di BRI Syariah KCP Ujungberung ? Metode penelitian yang digunakan adalah metode penelitian deskriptif analisis yang bertujuan untuk mendeskripsikan mengenai penggunaan metode AHP dalam melakukan analisis pembiayaan bagi sektor UMKM pada program KURS di BRI Syariah KCP Ujungberung.  Simpulan dari penelitian ini adalah penetapan penyaluran pembiayaan bagi nasabah di bank syariah diimplementasikan ke dalam  penerapan prinsip kehati-hatian dengan menggunakan unsur standar 5C dan prinsip ekonomi Islam seperti prinsip keterbukaan, kejujuran dan keadilan. Pelaksanaan analisis pembiayaan dengan metode AHP di BRI Syariah KCP Ujungberung dilakukan secara sistematis dan mengkrucut sehingga menghasil keputusan yang tepat, proporsional dan efisien. Serta Penetapan pemberian pembiayaan bagi nasabah dengan metode Analitycal Hierarchy Process (AHP) di BRI Syariah KCP Ujungberung secara umum telah sesuai dengan nilai-nilai dan prinsip-prinsi pekonomi dalam Islam yang meliputi keterbukaan, keadilan, kehati-hatian dan keterbukaan serta berbagai aspek yang terkait dengan kepentingan manusia dengan menyediakan untuk ketertiban kehidupan dan kesejahteraan (maslahah).Kata kunci : Proses, Analisia, Pembiayaan, dan Bank Syariah.

scholarly journals Penerapan Metode Istihsan Pada Bidang Muâmalah Mâliyyah (Hukum Ekonomi Syariah)

2021 ◽  
Vol 21 (1) ◽  
pp. 68
Author(s):  
Panji Adam
Keyword(s):  
Data Collection ◽  
Research Method ◽  
Islamic Law ◽  
Secondary Data ◽  
Literature Study ◽  
Collection Method ◽  
Economic Law ◽  
History Of ◽  
The Law

Istihsan is one of the ijtihad methods disputed by the scholars ushul fiqh, although in reality, all scholars use it practically. The establishment of the law by istihsan method is widely carried out by scholars among the Hanafiyyah and Malikiyyah so that in the history of ushul fiqh, the Hanafiyyah are known as the group that uses istihsan as one of the methods of istinbâth al-ahkâm (determination of the law). Imam Shafi'i is a cleric who rejects istihsan as a method of determining Islamic law. But in practice Imam Shafi'i also uses istihsan as a method of determining Islamic law. The science of ushul fikih has a significant role in contributing to the existence of Islamic law, especially in the field of Sharia economic law. Research method conducted based on normative juridical approach, The specification of research used is analytical descriptive, The type of data used in this research, namely secondary data, data collection method used is literature study and analysis of secondary data that is qualitative. The results showed that istihsan is one of the methods of istinbâth al-ahkâm, which can be used as an argument and a proof of syara' and serves in determining the validity of an agreement / transaction in the field of Sharia economic law.

scholarly journals FAKTOR-FAKTOR YANG MEMPENGARUHI PENERIMAAN PAJAK PENGHASILAN BADAN PADA KANTOR PELAYANAN PAJAK DI KOTA BANJARMASIN

2018 ◽  
Vol 19 (1) ◽  
Author(s):  
Aris Setia Noor ◽  
Berta Lestari
Keyword(s):  
Data Collection ◽  
Path Analysis ◽  
Survey Research ◽  
Income Tax ◽  
Research Method ◽  
Corporate Income Tax ◽  
Tax Revenue ◽  
Literature Study ◽  
The Right ◽  
Income Tax Revenue

The purpose of this study are: (1) To find out how much the influence of tax climateon the receipt of corporate income tax partially, (2) To find out how much influencethe tax climate on corporate income tax revenue together. The research methodused is survey research method. Data collection techniques used the census method.Data collection is done through direct observation to the object of research and literature study. The method of analysis used in this study is Path Analysis. Based ondata used the statistic analistic shows that: (1) Simultaneously to fulfill and conveyclearly and accurately the tax form, to account correctly the debt tax, to pay the debttax at the right time give positive and significant to 5% real standard toward the acceptance of income tax body. (2) Partially to fulfill and convey clearly and accuratelythe tax form, to account correctly the debt tax, to pay the debt tax at the right timegive positive and insignificant to 5 % real standard toward the acceptance of incometax body.The result of this research shows that other unaccounted variable has verysmall affect in the amount of 0.32% toward acceptance of income tax body.

AKAD FINANCING OF MURABAHAH BETWEEN CUSTOMERS WITH MUAMALAT BANKS HARKAT VIEWED FROM SHARI'AH PRINCIPLES

2020 ◽  
Vol 10 (1) ◽  
pp. 13-26
Author(s):  
Candra Irawan ◽  
Adi Bastian ◽  
Febrozi Rohadi
Keyword(s):  
Data Collection ◽  
Financial Institutions ◽  
Research Method ◽  
Economic Condition ◽  
Field Research ◽  
Comprehensive Analysis ◽  
Islamic Banks ◽  
Legal Research ◽  
Trading System ◽  
Library Research

Currently in Indonesia Islamic Bank has gained a place and interested in the community, causing many emerging Syari'ah Bank and Financial Institutions of the syari'ah, and products in Islamic banks are widely used is murabahah financing. The formulation of the problem in this research are: (1). How is the implementation of the sale and purchase through murabahah financing between Bank Muamalat Harkat with customers. (2). Is trading system murabahah financing between Bank Muamalat Harkat and customers have been according to the principles of Syari’ah. (3). How murabahah financing efforts to resolve the breach between the customer and Muamalat Harkat. This research method is empirical legal research, this study was conducted in Bank Muamalat Harkat based data collection through field research such as interviews, observation and description as well as information from respondents through library research. The results of this research are: before an agreement Bank to assess carefully the prospective customer in the form of a comprehensive analysis and is divided into several stages, such as the assessment using the principle of 5C Character (Character of the debitor), Chapacity (Capability Candidate Debitor) , Capital (Capital candidate Debitor), Collateral (Collateral candidate Debitor) and Condition of economy (economic condition of the prospective Borrower). Trading system murabahah financing between Bank Muamalat Harkat with the customer has not fully based on the principles of the Syari'ah. Murabahah financing efforts to resolve the defaults can be solved by R3 is Restrukturing (Arrangement Back), Reconditioning (Terms Back) and Rescheduling (rescheduling), sales collateral and auction execution. 

STRATEGI PENGEMBANGAN BUDAYA KULINER TRADISIONAL PADA BAKPIA DAN WINGKO BABAT XYZ

2021 ◽  
Vol 10 (1) ◽  
pp. 194
Author(s):  
Maria Maria
Keyword(s):  
Research Method ◽  
Matrix Analysis ◽  
Literature Study ◽  
Diversification Strategy ◽  
Marketing Process ◽  
Long Time ◽  
The Right ◽  
Culinary Culture ◽  
Depth Interviews ◽  
Research Analysis

This research examines the development of traditional culinary culture,  Bakpia and Wingko Babat XYZ with the aim of preserving the local culinary heritage located in Bantul. Bakpia and Wingko Babat XYZ  is a special traditional business place that sells traditional Yogyakarta food in the Bantul area which still uses traditional methods. This business has been around for a long time since 1997. Lack of the right strategy is the cause when local and foreign visitors do not know much information about the culinary business of Bakpia and Wingko Babat XYZ. Based on this, this study aims to identify and analyze the marketing process carried out by Bakpia and Wingko Babat XYZ, to determine the potential of traditional culinary culture and to explore strategy formulations in Bakpia and Wingko Babat XYZ. The research method in this study is a qualitative research method, by conducting direct and in-depth interviews with key persons, observation, and literature study. The qualitative method used is descriptive qualitative which will describe how the right strategy is based on the results of the analysis. The interview data were analyzed by several stages, namely the SWOT stage in the internal and external environment, the weight and ranking calculation stage, the IFE-EFE and IE matrix analysis stage, and the conclusion stage. In the research analysis, the IFE and EFE matrix values were obtained, where the IFE value was 2.774 and the EFE value was 2.842. This condition shows that Bakpia and Wingko Babat XYZ  is in the V quadrant position, which means Hold and Maintain, in this position the right strategy is market penetration and product development, and in the SWOT quadrant in quadrant II Cobination supports the Diversification strategy, this is requires making alternative strategies that can be used to increase existing strengths so that they can overcome threats.Keywords: culinary culture, SWOT, IE.AbstrakPenelitian ini meneliti tentang  budaya kuliner tradisional yaitu Bakpia dan Wingko Babat XYZ dengan tujuan untuk menjaga warisan budaya kuliner lokal yang terletak di Bantul. Bakpia dan Wingko Babat XYZ merupakan tempat usaha tradisional khusus yang menjualkan makanan tradisional khas Yogyakarta di daerah bantul yang masih menggunakan cara-cara tradisional. Usaha ini sudah lama berdiri sejak 1997. Kurangnya strategi yang tepat menjadi penyebab ketika pengunjung lokal maupun mancanegara tidak mengetahui banyak informasi mengenai usaha kuliner Bakpia dan Wingko Babat XYZ. Berdasarkan hal tersebut, penelitian ini bertujuan untuk mengidentifikasi dan menganalisa proses pemasaran yang dilakukan Bakpia dan Wingko Babat XYZ, untuk mengetahui potensi budaya kuliner tradisional dan mengeksplorasi formulasi strategi di Bakpia dan Wingko Babat XYZ. Metode  penelitian pada penelitian ini adalah metode penelitian kualitatif, dimana dengan melakukan wawancara kepada key person secara langsung dan mendalam, observasi, dan  studi pustaka. Metode kualitatif  yang  digunakan yaitu kualitatif deskriptif yang akan mendeskripsikan bagaimana strategi yang tepat berdasarkan hasil analisis. Data  wawancara dianalisis dengan beberapa tahap-tahapan yaitu tahap SWOT pada lingkungan internal dan eksternal, tahap perhitungan bobot dan peringkat, dan tahap analisis matriks IFE-EFE dan IE, serta tahap kesimpulan. Pada analisis penelitian diperoleh nilai matriks IFE dan EFE, dimana nilai IFE sebesar 2,774 dan nilai EFE sebesar 2,842. Kondisi ini menunjukkan bahwa Bakpia dan Wingko Babat XYZ  berada pada posisi kuadran V yaitu berarti Hold and Maintain, pada posisi ini  strategi yang  tepat adalah penetrasi pasar dan pengembangan produk, serta pada kuadran SWOT  pada kuadran II Cobination mendukung stategi Diversifikasi, hal ini mengharuskan membuat alternative strategi yang dapat digunakan untuk meningkatkan Kekuatan yang ada sehingga dapat mengatasi ancaman.Kata Kunci: budaya kuliner, SWOT, IE. Author:Maria : Institut Seni Indonesia Yogyakarta References: Agustim, W., & Nurhidayat, M. (2020). Analisis Matrik IE pada UMKM Berbasis Produk Pertanian Kelompok Wanita Pelaku Usaha Tanaman Hias di Desa Sidomulyo Kota Batu. Referensi: Jurnal Ilmu Manajemen dan Akuntansi, 8(1), 73-78. https://doi.org/10.33366/ref.v8i1.1760.David, Fred R. 2016, Manajemen Strategis, Edisi 15. Jakarta: Salemba Empat.Evelyn, E. (2018). Analisis Manajemen Strategi Bersaing Dengan Matriks Ie, Matriks Swot Dan Matriks Qspm Pada Pt. Xyz. Jurnal Manajemen Bisnis dan Kewirausahaan, 2(4), 99-105. http://dx.doi.org/10.24912/jmbk.v2i4.4869.Rangkuti, Freddy. (2015). Analisis SWOT : Teknik Membedah Kasus Bisnis (Cara Perhitungan Bobot, Rating dan OCAI). Jakarta: PT Gramedia Pustaka Utama.Retnawati, L. (2018). Perencanaan Strategis Si/Ti dengan Metode Analisa Swot dan BSC untuk Meningkatkan Daya Saing di Universitas XYZ. JISKA (Jurnal Informatika Sunan Kalijaga), 2(3), 135-142. https://doi.org/10.14421/jiska.2018.23-02.Sugiyono. (2016). Metode Penelitian: Kuantitatif, Kualitatif dan R&D. Bandung: Alfabeta.Tyas, S. K., & Chriswahyudi, C. (2017). Perencanaan Strategi Pemasaran dengan Pendekatan Matrik IE, SWOT dan AHP untuk Mendapatkan Alternatif Strategi Prioritas. Prosiding Semnastek. https://jurnal.umj.ac.id/index.php/semnastek/article/view/1989/1632.

Pengembangan Potensi Ekowisata Suku Sambori Bima Nusa Tenggara Barat Indonesia

2021 ◽  
Vol 7 (1) ◽  
Author(s):  
Zulharman Zulharman ◽  
Mochamad Noeryoko ◽  
Ibnu Khaldun
Keyword(s):  
Medicinal Plants ◽  
Data Collection ◽  
Natural Resources ◽  
Land Management ◽  
Research Method ◽  
Economic Conditions ◽  
Tourist Attraction ◽  
Cultural Life ◽  
Future Strategy ◽  
The Right

The objectives of this study were: a. Identifythe potential for ecotourism based on family medicinal plants (toga) that can be developed in Sambori Tribe b. Identify the right strategy for developingecotourism based on family medicinal plants (toga) in Sambori Tribe based on community and stakeholder perceptions. Research Methods:The research method used descriptive methods with survey and observation techniques. Data collection used purposive sampling, the data consisted of aspects of tourism products and markets, economic and business benefits from ecotourism activities and the socio-economic conditions of the community. Product aspects include the main potential of flora, namely toga plants, fauna, natural attractions and landscapes, amenities, accessibility and the socio-cultural life of the community. The market aspect consists of potential tourists in Sambori Tribe. Key informants (Stakeholders). In this study, thestrategy is not only subjective to the researcher, the researcher also involves the opinions of related experts to become respondents. Results and Discussion:  The results of the research that Sambori Tribe had a variety of toga plants with  the potential as a tourist attraction.Sambori Tribe has a diversity of flora and fauna potentials as well as a very suitable landscape potential as a tourist attraction. Conclusion: Sambor Tribe has the potential of flora and faund and the landscape.  The future strategy for developing ecotourism of Toga in Sambori Tribe includes optimizing the potential of toga plants in terms of cultivation, land management and processing potential of toga plants, developing high potential of biological natural resources, both flora and fauna, and natural panoramas

scholarly journals The Principles of Law of Negligence as Causes of Compensation in the Sharia Economic Law in Indonesia

Al-Ulum ◽  
2019 ◽  
Vol 19 (1) ◽  
pp. 53-78
Author(s):  
Asyari Hasan ◽  
Alimin Alimin ◽  
Rizal Fahlefi ◽  
Desmadi Saharuddin
Keyword(s):  
Financial Institutions ◽  
Careful Consideration ◽  
Legal Principles ◽  
Economic Law ◽  
Positive Law ◽  
Islamic Financial Institutions ◽  
Islamic Economic

This study discusses what are the concepts of legal principles of negligence as a cause of compensation contained in the positive Indonesian Islamic economic law concerning the implementation of contracts for Islamic financial institutions that are studied in a qualitative-normative exploratory manner. This study indicates that there are six legal principles of negligence as a cause of compensation in the positive law of Indonesian sharia economy, namely: 1) carried out with careful consideration, 2) carried out appropriately, 3) carried out carefully, 4) business activities may not exceed permitted limits, 5) business activities must be in line with the provisions stipulated in the contract (not violating the agreement), and 6) negligence classified as intentional negligence and accidental negligence. While the legal principles of negligence contained in conventional law are currently more complete (11 principles of negligence) than those contained in the positive law of sharia economy (only 6 principles)

scholarly journals Government Policy in Overcoming Religious Extremism in Indonesia: A Multidisciplinary Review between Public Administration and Psychology

2021 ◽  
Vol 8 (4) ◽  
pp. 423-433
Author(s):  
Dana R. Buana ◽  
Masayu N. Juwita
Keyword(s):  
Public Administration ◽  
Ethnic Groups ◽  
Government Policy ◽  
Research Method ◽  
Negative Impact ◽  
Positive Impact ◽  
Literature Study ◽  
Religious Extremism ◽  
The Government ◽  
The Right

The development of religious extremism in Indonesia continues to increase every year so that serious attention is needed by the government to deal with religious extremism in Indonesia. Indonesia is an archipelagic country where there are various ethnic groups and religions that coexist. However, the development of religious extremism sometimes becomes a serious problem for the Indonesian people because it can have a negative impact and damage the unity between nations and religions. This research uses literature study. This research method is carried out by reviewing various literatures, both books, newspapers, survey reports, academic journals related to religious extremism in Indonesia. The results show that not all religious extremism has an impact on the emergence of terrorism, but the government still must make the right policies in handling religious extremism that can cause division and affect peoples welfare. The policies that have been made by the government are considered appropriate and based on the laws that have been set by the government so that they can have a positive impact in maintaining the unity and integrity of the Indonesian nation.

scholarly journals Strategi Manajemen Pembentukan Badan Usaha Milik Desa (BUM Desa)

2019 ◽  
Vol 2 (2) ◽  
pp. 183-192
Author(s):  
Eka Nuraini
Keyword(s):  
Human Resources ◽  
Qualitative Methods ◽  
Research Method ◽  
Management Strategies ◽  
Research Activities ◽  
Qualitative Descriptive ◽  
Conducting Research ◽  
The Right ◽  
The Village ◽  
Implementation Of The Strategy

Based on preliminary studies in Air Saga Village, the problems faced by villages to form BUM Desa are lack of ability to map village potentials, it is difficulty to find human resources who will manage BUM Desa, lack of understanding to start establishing BUM Desa, and lack of ability to compile BUM Desa administration.  These problems must be addressed immediately by conducting research activities aimed at formulating management strategies for the formation of BUM Desa, especially in Air Saga Village. The research method uses qualitative methods with the following steps: (1) conducting observations to obtain information about the potential of the village, (2) conducting interviews with village heads and BPD, (3) conducting FGD. The collected data were analyzed using qualitative descriptive techniques. The results showed that an aggressive strategy is the right strategy to form a BUM Desa in Air Saga Village, Tanjungpandan District, Belitung Regency. The implementation of the strategy for establishing BUM Desa must involve village facilitators and be evaluated in each of its activities  

scholarly journals Analysis of Corporate Governance on Islamic Bank in Indonesia

2019 ◽  
Vol 19 (2) ◽  
Author(s):  
Muhamad Nadratuzzaman Hosen ◽  
Nasimul Falah ◽  
Fitriyani Lathifah
Keyword(s):  
Corporate Governance ◽  
Islamic Law ◽  
Qualitative Approach ◽  
Islamic Banks ◽  
Islamic Bank ◽  
Positive Law ◽  
The Right ◽  
Islamic Values

This research demonstrates conceptual corporate governance (CG) which has relationship with regulations and Islamic teaching. Then, to investigate CG in Islamic Bank in Indonesia and to review law aspects and Islamic values related to rules of corporate CG in Islamic Bank in Indonesia. The study used qualitative approach using study literature and interview to analyze the implementation of corporate governance in Islamic bank in Indonesia. This study found that Islamic Banks which issued the rules of CG were not following philosophy of Islamic principles and not following strongly Islamic law and positive law. Hence, there were several fraud cases on Islamic banks inIndonesia. Islamic corporate governance in Indonesia still not find the implementation like in Malaysia. Rules of CG through regulation for Islamic bank is involving futher researher to examine the right policy. The regulation of corporate governance regulations for Islamic bank still need to be refined and turned into Islamic corporate governance standard in accordance with Islamic principles and national laws which required by Islamic bank.

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