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1Gambar 5.2Skema Kerja Prinsip al-Wadiah yad Amanah
Bank Syariah
Titipan
Beban BiayaPenitipan
Nasabah
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2Bank Syariah
Gambar 5.3Skema Kerja Prinsip al-Wadiah yad Dhomanah
1. Titipan
4. Beri Bonus
3. Bagi Hasil2. Pemanfaatan
Dana
Prinsip ini dikembangkandalam bentuk:1.Current Account (Giro)2.Saving Account(Tabungan Berjangka)
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3Nasabah Bank Syariah
Keuntungan
Bagi Hasil SesuaiDengan Nisbah
Modal 100%
Pengem
bal
ian
Modal
Poko
k
Nisbah Y% Nisbah Y%
Keahlian Modal 100%
Perjanjian Bagi Hasil
Gambar 6.4Skema Kerja Prinsip al-Mudharabah
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4NasabahBank Syariah
Supplier
Gambar 6.5Skema Kerja Prinsip al-Murabahah
2. Akad Jual Beli
1. Negosiasi danPersyaratan
6. Bayar Tunai atau tangguh
3. Beli Barang 4. Kirim 5. TerimaBarang &Dokumen
Gita Danupranata, S.E., M.M.
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5NasabahBank Syariah
Supplier
Gambar 6.5Skema Kerja Prinsip Bai Bithaman Ajil
2. Akad Jual Beli
1. Negosiasi danPersyaratan
6. Bayar dengan cicilan
3. Beli Barang 4. Kirim 5. TerimaBarang &Dokumen
Gita Danupranata, S.E., M.M.
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6Gambar 6.6Skema Kerja Prinsip Bai as-Salam
1. Negosiasi PesananDengan Kriteria
5. Bayar
3. Kirim Dokumen
4. KirimPesanan
Gita Danupranata, S.E., M.M.
Bank Syariah Nasabah
2. PemesananBarang Nasabahdan Bayar Tunai
Suplier
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7Gambar 6.7Skema Kerja Prinsip Bai al-Istishna
1. Negosiasi PesananDengan Kriteria
3. Jual Barang
Gita Danupranata, S.E., M.M.
Suplier
2. Membelibarang dengancicilan
Bank SyariahNasabah
3. Kirim Dokumen
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8Gambar 6.7Skema Kerja Prinsip Bai al-Istishna antara bank dengan suplier
dan Bai Bithaman Ajil antara bank dengan nasabah
1. Negosiasi PesananDengan Kriteria
3. Akad Jual Barang
Gita Danupranata, S.E., M.M.
Suplier
2. Akad Membelibarang dengancicilan
Bank SyariahNasabah
6. Pembayaran cicilan
4. KirimPesanan
5. Kirim Dokumen
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9Gambar 6.8Skema Kerja Prinsip Ijarah
Obyek Sewa
Gita Danupranata, S.E., M.M.
2. Beli ObyekSewa
Bank Syariah
NasabahBank
Suplier
1. Pesan ObyekSewa
Milik
Sewa
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10
Gambar 6.9Skema Kerja Prinsip Ijarah Muntahia Bithamlik
Obyek Sewa
Gita Danupranata, S.E., M.M.
2. Beli ObyekSewa
Bank Syariah
NasabahBank
Suplier
1. Pesan ObyekSewa
Milik3. Sewa Beli
Milik
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