The first difference lies in the akadnya. In the Sharia bank, all transactions must be based on the contract that allowed by the sharia. Thus, all transactions must follow the rules and regulations that apply to the contract-contract muamalah sharia. In a conventional bank, the opening of the account transactions, both giro, savings and time deposits, based on the agreement points, but the principle points are not in accordance with the rules of sharia, for example wadi'ah, because the gyro products, savings and time deposits, promising benefits to the level of fixed interest the money paid.
Second, there are differences in the benefits provided. The Bank uses the concept of conventional costs (the cost concept) to calculate benefits. This means that the interest promised in advance to the depositor is a customer fee or fees must be paid by the bank. Therefore, the bank must "sell" to other customers (borrowers) with the cost of higher interest rates. The differences between them called the indicative spreads whether the company is fortunately or loss. If it spreads positive, in which the burden of interest charged to borrowers from higher interest rates given to depositors, it can be said that the bank's benefit. Conversely also true.
Meanwhile, the bank sharia use the profit-sharing approach, meaning that the funds received will be distributed to bank financing. The benefits of financing is split into two, to the bank and to customers, based on profit sharing agreement in advance.
The third difference is the target credit / financing. The depositors in the bank is not a conventional aware that saved money loaned to various businesses, regardless of halal-illicit business.
Meanwhile, the sharia banks, savings and the distribution of the community are limited by basic principles, namely the principles of sharia means that the loan can not be to such illicit business, gambling, drink underway, pornography and other businesses that are not in accordance with sharia.
Second, there are differences in the benefits provided. The Bank uses the concept of conventional costs (the cost concept) to calculate benefits. This means that the interest promised in advance to the depositor is a customer fee or fees must be paid by the bank. Therefore, the bank must "sell" to other customers (borrowers) with the cost of higher interest rates. The differences between them called the indicative spreads whether the company is fortunately or loss. If it spreads positive, in which the burden of interest charged to borrowers from higher interest rates given to depositors, it can be said that the bank's benefit. Conversely also true.
Meanwhile, the bank sharia use the profit-sharing approach, meaning that the funds received will be distributed to bank financing. The benefits of financing is split into two, to the bank and to customers, based on profit sharing agreement in advance.
The third difference is the target credit / financing. The depositors in the bank is not a conventional aware that saved money loaned to various businesses, regardless of halal-illicit business.
Meanwhile, the sharia banks, savings and the distribution of the community are limited by basic principles, namely the principles of sharia means that the loan can not be to such illicit business, gambling, drink underway, pornography and other businesses that are not in accordance with sharia.
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