Andi Buchari

Andi Buchari

Direktur Director Lahir di Jakarta, 31 Agustus 1966. Memperoleh gelar

Master dengan predikat Cum Laude/Best Graduate di bidang Finance dari Universitas Atmajaya (1996) dan Bachelor/Engineer dari Institut Pertanian Bogor (1988) dengan predikat Mahasiswa Teladan. Sebelum bergabung bersama Bank Muamalat, beliau berkarir antara lain di perusahaan afiliasi dari United Catalist Inc, USA sebagai Deputy Sales and Logistic Manager (1989-1993), sebagai Branch Manager di PT Sekar Laut Group (1989), serta sebagai Production Supervisor di PT Blambangan Raya (1988). Bergabung sejak 1993 di Bank Muamalat Indonesia, beliau pernah menduduki berbagai jabatan sebelum akhirnya berada di jajaran Direksi, yaitu sebagai Head untuk beberapa Divisi diantaranya Corporate Secretary, Corporate Support Internal Audit, Treasury & Investment Banking, Marketing, serta sebagai Regional Manager (Sumut,

Born in Padang, 27 April 1964. An Industrial Engineer alumnus from Institut Teknologi Bandung (ITB), born and studied in Padang, West Sumatra. His career debut started since the founding of Bank Muamalat Indonesia in 1991, previously he worked in Bank Duta (1989- 1991). He received Bank Muamalat’s the Best Employee Award in 1995. Continuing his succeed as Business Director for two periods (1999-2004 and 2004-2009),

he is now appointing as a President Director Bank Muamalat Indonesia. He is actively working as a Bank Muamalat Indonesia’s Chairman of Asset Restructuring Team at crisis time in 1998. He was also part of the Board of Directors of the previous two terms that grew the assets of Bank Muamalat from Rp600 billion to Rp16 trillion. He participated in various trainings, workshops and symposiums both at home and abroad including the 5th Batch Professional Director Program and Competitive Marketing 2000 (Jakarta), and Advanced Project Finance (Sydney).

Born in Jakarta, 31 August 1966. Obtained his Master with Cum Laude/Best Graduate in Finance from Universitas Atmajaya (1996), and Bachelor/Engineer from Institut Pertanian Bogor (1988), with the Best Student predicate. Previously worked with an affiliated company from United Catalist Inc, USA as a Deputy Sales and Logistic Manager (1989-1993), as a Branch Manager in PT Sekar Laut Group (1989), and as a Production Supervisor in PT Blambangan Raya (1988). Joined Bank Muamalat Indonesia in 1993, he was served in various positions before appointed as a Director, such as Head Divisions e.a Corporate Secretary, Corporate Support Internal Audit, Treasury & Investment Banking, Marketing, and Regional Manager (Sumut, Sumbar, Riau and Aceh). He also believed to became a Team Leader of some special duties such as Capital Raising and Right Issue Team, Business Re-engineering Team

Direksi

Board of Directors

Annual Report 2009 Bank Muamalat

menjadi Team Leader beberapa penugasan khusus, Risk Management Director since the year of 2004, seperti Tim Capital Raising and Right Issue, Tim

Compliance and Corporate Support (2004-2007), Business Re-engineering dan Tim Strategic Business

Finance and Administation Director (2007-2009) and Plan. Menjabat Direksi sejak tahun 2004 sebagai

currently as a Compliance and Corporate Planning Direktur Pengelolaan Risiko, Kepatuhan dan Dukungan

Director (since 2009).

Korporasi (2004-2007), Direktur Keuangan dan Administrasi (2007-2009) dan saat ini menjabat sebagai Direktur Kepatuhan dan Perencanaan Korporasi (sejak 2009).

Luluk Mahfudah

Direktur Director Lahir di Jombang, 22 Oktober 1967. Menempuh

Born in Jombang, 22 October 1967. Graduated her pendidikan dasar hingga menengah di Jombang. Lulus,

basic study in Jombang. Graduated from Agriculture dari Fakultas Pertanian Universitas Brawijaya (1991).

Faculty from Universitas Brawijaya (1991). Started her Mengawali karir sebagai Trainee Muamalat Officer

career as a Trainee Muamalat Officer Development Development Program (MODP) II (1993-1994), lalu

Program (MODP) II (1993-1994), became an Account menjabat sebagai Account Manager Bank Muamalat

Manager Bank Muamalat Fatmawati branch (1994- cabang Fatmawati (1994-1995), Account Manager

1995), Account Manager for Head Office (1995-2002). Kantor Pusat (1995-2002). Beliau selanjutnya menjabat

Next, she appointed as a Kalimalang (2002-2003) and sebagai Branch Manager Kalimalang (2002-2003)

Fatmawati (2004-2007) Branch Manager, and as a dan Fatmawati (2004-2007), serta sebagai Business

Business Manager for Head Office (2007-2008) and Manager Kantor Pusat (2007-2008) dan Kantor Pusat

Head Office Line 1 & 2 (2008-July 2009), finally, she Line 1 & 2 (2008-Juli 2009) hingga akhirnya menjabat

became a Corporate Banking Director. In Addition, she sebagai Corporate Banking Director saat ini. Selain itu

attended some courses and seminars both local and beliau juga mengikuti beberapa training dan seminar

internationally such as Advanced Credit Seminar, Human di dalam dan di luar negeri antara lain Advanced Credit

Resources Management Workshop, Problem Solving & Seminar, Human Resources Management Workshop,

Decision Making, Islamic Financing in Aviation-Avail Problem Solving & Decision Making, Islamic Financing

Corporation (Kuala Lumpur), and Legal Document for in Aviation-Avail Corporation (Kuala Lumpur), dan

Islamic Financing by CERT (Kuala Lumpur). Legal Document for Islamic Financing by CERT (Kuala Lumpur).

Laporan Tahunan 2009 Bank Muamalat

Farouk Abdullah Alwyni

Direktur Director Lahir di Jakarta, 27 November 1969. Memperoleh

gelar MBA dalam bidang keuangan dan perbankan internasional dari The Birmingham Business School, The University of Birmingham, UK (2004) dan MA dalam bidang ekonomi dari The New York University, USA (1998). Beliau memulai pengalaman internasionalnya sebagai Graduate Intern di High Commissioner for Human Rights, Centre for Human Rights (HCHR/CHR) di United Nations Headquarters, New York, USA (1997). Setelah itu memulai kiprah keuangan Islamnya di Islamic Development Bank (IDB) selama delapan tahun dengan memulai karir sebagai Young Professional Programme. Selanjutnya beliau ditugaskan sebagai Trade Finance Officer yang menangani wilayah Bangladesh dan Indonesia (2000-2003), sebagai Senior Trade Finance Officer, yang menangani wilayah Indonesia, Iran, Maldives, Kazakhstan dan Tajikistan (2004-2006) dan sebagai Head of Market Research & Monitoring Section (2007). Selama masa tugasnya di IDB, beliau diantaranya pernah terlibat sebagai sekretaris Task Force untuk mengkaji “The Feasibility of Using Gold Dinar as means of settlement for trade among OIC member countries” dan juga koordinator bidang perdagangan dan investasi di dalam Task Force untuk merumuskan “The 2020 vision of IDB and the Ummah”. Pada tahun 2007-2009 beliau menjabat sebagai Direktur PT AL Ijarah Indonesia Finance yang didirikan bersama oleh Bank Muamalat Indonesia, Boubyan Bank Kuwait & International Leasing & Investment Company Kuwait sebelum akhirnya bergabung sebagai Treasury and International Banking Director Bank Muamalat Indonesia. Dalam perjalanan karirnya, beliau aktif mengikuti training dan seminar di dalam dan luar negeri, baik sebagai peserta, moderator ataupun pembicara, diantaranya adalah di dalam Euromoney Financial Training Programme (1998-2007), Middle East Syndicated Financing (Dubai, 2007), Islamic Finance Road Show (Jakarta, 2009) dan Financial Industry Conference (Kuala Lumpur, 2009)

Born in Jakarta, 27 November 1969. Obtained a MBA degree in finance and international banking from The Birmingham Business School, The University of Birmingham, UK (2004) and MA in economic from The New York University, USA (1998). He started his international experience as a Graduate Intern at High Commissioner for Human Rights, Centre for Human Rights (HCHR/CHR) at United Nations Headquarters, New York, USA (1997). after that, began his Islamic finance experience in Islamic Development Bank (IDB) for eight years which starting as Young Professional Programme. He appointed as a Trade Finance Officer for Bangladesh and Indonesia region (2000-2003), as a Senior Trade Finance Officer, for Indonesia, Iran, Maldives, Kazakhstan and Tajikistan region (2004- 2006) and appointed as Head of Market Research & Monitoring Section (2007). As long as he worked in IDB,

he became as a Task Force secretary to reseaching “The Feasibility of Using Gold Dinar as means of settlement for trade among OIC member countries” and also coordinator for the trade and investment in Task Force to formulates “The 2020 vision of IDB and the Ummah”. In the year 2007-2009, he appointed as a Director of PT AL Ijarah Indonesia Finance which founded by the cooperation of Bank Muamalat Indonesia, Boubyan Bank Kuwait & International Leasing & Investment Company Kuwait and then joined with Treasury and International Banking Director Bank Muamalat Indonesia. In his career, he was actively attend some trainings and seminars both local and internationally, as a member, moderator or a speak person, such as in Euromoney Financial Training Programme (1998-2007), Middle East Syndicated Financing (Dubai, 2007), Islamic Finance Road Show (Jakarta, 2009) and Financial Industry Conference (Kuala Lumpur, 2009).

Annual Report 2009 Bank Muamalat

Adrian Asharyanto Gunadi

Direktur Director Lahir di Jakarta, 3 Januari 1976. Memperoleh gelar

Born in Jakarta, 3 January 1976. Obtained his MBA dalam bidang Finance dari Rotterdam School of

MBA degree in Finance from Rotterdam School of Management Erasmus Graduate School of Business,

Management Erasmus Graduate School of Business, Netherlands (2003), setelah sebelumnya memperoleh

Netherlands (2003), previously obtained his bachelor gelar Sarjana Ekonomi dari Universitas Indonesia

degree in Economic from Universitas Indonesia (1999). Merintis karir perbankan di Citigroup sebagai

(1999). Begans his banking career in Citigroup as a Management Associate, Corporate Banking, Local

Management Associate, Corporate Banking, Local Corporate Group (1999-2001). Selanjutnya beliau

Corporate Group (1999-2001). After that, he joined bergabung sebagai Cash Management Product

as a Cash Management Product Manager (2001-2002) Manager (2001-2002) dan Assistant Director, Financial

and Assistant Director, Financial Institution Relationship Institution Relationship Standard Chartered Bank,

Standard Chartered Bank, Jakarta (2004-2006). In 2006 Jakarta (2004-2006). Pada tahun 2006 memperoleh

achieved an International Assignment as an Associate International Assignment sebagai Associate Director,

Director, Islamic Products, Standard Chartered Saadiq, Islamic Products, Standard Chartered Saadiq, Dubai,

Dubai, UAE. After appointing as a Head of Syariah UAE. Setelah menjabat sebagai Head of Syariah

Banking, PT Permata Bank Tbk in July 2009 he joined Banking, PT Permata Bank Tbk pada Juli 2009 beliau

Bank Muamalat Indonesia as a Retail Banking Director. bergabung bersama Bank Muamalat Indonesia sebagai

He was participated in various training, lokakarya and Retail Banking Director. Beliau telah berpartisipasi

symposium in national and international region, such dalam berbagai training, lokakarya dan symposium di

as Global Forum, Islamic Financial Market (Jakarta, tingkat nasional dan internasional diantaranya dalam

2008), Islamic Sukuk, Bringing Into Markets (Singapore, Global Forum, Islamic Financial Market (Jakarta, 2008),

2008), Islamic Finance, Structured Products (Dubai, Islamic Sukuk, Bringing Into Markets (Singapore,

2007), Derivates Academy (Abu Dhabi, 2007) Oxford 2008), Islamic Finance, Structured Products (Dubai,

Leadership Program (UK, 2007) and Corporate Finance 2007), Derivates Academy (Abu Dhabi, 2007) Oxford

Structuring Workshop (Hong Kong, 2006). Leadership Program (UK, 2007) dan Corporate Finance

Structuring Workshop (Hong Kong, 2006).

Laporan Tahunan 2009 Bank Muamalat

Produk dan Jasa

Product and Services

PRODUK PENGHIMPUNAN DANA

FUNDING PRODUCTS

Shar-e

Shar-e adalah tabungan instan Investasi syariah yang The Shar-e is sharia investment savings product memadukan kemudahan akses ATM, Debit dan

that integrates the convenience of ATM, Debit and Phone Banking dalam satu kartu dan dapat dibeli

Phone Banking access in a single card, which can di kantor layanan Bank Muamalat juga di Kantor

be purchased at any post office outlet throughout Pos Online di seluruh Indonesia. Hanya dengan

Indonesia. The Shar-e card package and savings account Rp. 125.000, langsung dapat diperoleh satu paket

with initial deposit of Rp 100,000 can be had for only kartu Shar-e dengan saldo awal tabungan Rp. 100.000.

Rp 125,000, opening the way to invest and save with Shar-e adalah sarana menabung dan berinvestasi di Bank

Bank Muamalat through the post office. The funds will Muamalat dan diinvestasikan hanya untuk usaha halal

be invested in pure sharia business with competitive profit dengan bagi hasil kompetitif.

sharing.

Shar-e memiliki fasilitas Tarik Tunai bebas biaya di seluruh Shar-e offers free-of-charge cash withdrawal on the ATM jaringan ATM BCA/PRIMA dan ATM Bersama, akses

BCA/PRIMA and ATM Bersama, access to all merchants di seluruh merchant Debit BCA/PRIMA dan fasilitas

of the BCA/PRIMA Debit and SalaMuamalat facility (24- SalaMuamalat (Phone banking 24 jam untuk layanan

hour phone banking with automatic response for balance otomatis cek saldo, informasi history transaksi, transfer

inquiry, historical transaction information, transfer antar rekening sampai dengan Rp 50 juta dan berbagai

between accounts up to Rp50 million and various other fitur pembayaran). Shar-e juga sudah terhubung dengan

payment features). Shar-e is also linked with the ATM jaringan ATM Malaysia yang tergabung dalam MEPS

Malaysia Network that belongs to the MEPS (Malaysian (Malaysian Electronic Payment System) : Maybank, Hong

Electronic Payment System) : Maybank, Hong Leong Bank, Leong Bank, Affin Bank dan Southern Bank.

Affin Bank dan Southern Bank. Shar-e memiliki beberapa pengembangan produk

Shar-e has developed various features in cooperation with bekerja sama dengan perusahaan-perusahaan asuransi di

several companies in Indonesia, such as: Indonesia, yaitu :

•฀ Shar-e฀fulPROTEK,฀in฀cooperation฀with฀ •฀ Shar-e฀fulPROTEK,฀berkerja฀sama฀dengan฀

PT Asuransi Takaful Keluarga PT Asuransi Takaful Keluarga

•฀ Shar-e฀Sharia฀Mega฀Covers,฀in฀cooperation฀with •฀ Shar-e฀Sharia฀Mega฀Covers,฀bekerja฀sama฀dengan฀

PT Asuransi Jiwa Mega Life

PT Asuransi Jiwa Mega Life •฀ Shar-e฀Taawun฀Card,฀in฀cooperation฀with฀ •฀ Shar-e฀Taawun฀Card,฀bekerja฀sama฀dengan฀

PT Asuransi Bintang

PT Asuransi Bintang •฀ Shar-e฀Fitrah฀Card,฀in฀cooperation฀with฀ •฀ Shar-e฀Fitrah฀Card,฀bekerja฀sama฀dengan฀

PT Asuransi Jiwa Sinarmas

PT Asuransi Jiwa Sinarmas

Tabungan Ummat

Merupakan investasi tabungan dengan akad Mudha rabah An investment savings opened with Mudharabah di kantor layanan Bank Muamalat di seluruh Indonesia

agreement at Bank Muamalat counters throughout yang penarikannya dapat dilakukan secara bebas biaya

Indonesia, with cash withdrawals from any Bank Muamalat di seluruh counter Bank Muamalat, ATM Muamalat,

branch or ATM Muamalat, ATM BCA/PRIMA and ATM jaringan ATM BCA/PRIMA dan jaringan ATM Bersama.

Bersama networks. The Ummat Savings comes with the Tabungan Ummat dengan Kartu Muamalat juga berfungsi

Muamalat card, which serves as a debit card at Debit BCA/ sebagai akses debit di seluruh merchant Debit BCA/

PRIMA merchants throughout Indonesia. Account holders PRIMA di seluruh Indonesia. Selain itu, nasabah tabungan

receive a share of the Bank’s revenues from the use of the Ummat akan memperoleh bagi hasil yang kompetitif

savings funds.

perbulannya.

Annual Report 2009 Bank Muamalat

TabunganKu

Merupakan tabungan bebas biaya administrasi bulanan A savings account that is free of monthly administrative yang dapat diakses dengan mudah dan murah. Nasabah

charges and can be accessed conveniently and affordably. cukup menyediakan dana Rp 20.000 untuk dapat memiliki

Customers need only to deposit Rp 20,000 to open a rekening TabunganKu. Nasabah TabunganKu dapat

TabunganKu account. TabunganKu customers can deposit menyetor di seluruh kantor cabang dan menarik di kantor

in all branch offices and withdraw cash from any Bank cabang Bank Muamalat secara bebas biaya.

Muamalat branch office free-of-charge.

Tabungan Haji Arafah dan Arafah Plus

Merupakan tabungan yang ditujukan bagi nasabah yang A savings plan that is aimed at customers who are berencana untuk menunaikan ibadah haji. Produk ini

planning to go on a Hajj pilgrimage. This product will help akan membantu nasabah untuk merencanakan ibadah

customers plan for their Hajj pilgrimage in accordance with haji sesuai dengan kemampuan keuangan dan waktu

one’s monetary means and intended time table. With a pelaksanaan yang diinginkan. Dengan fasilitas asuransi jiwa

complimentary life insurance policy, customers can collect secara cuma-cuma nasabah akan mendapat penggantian

claims in the amount of the difference between the cost sebesar selisih nilai biaya Ibadah Haji (BPIH) dengan saldo

(BPIH) of the pilgrimage wiith the balance of the savings tabungan melalui ahli waris manakala meninggal dunia.

plan through their beneficieries upon their demise during Tabungan haji Arafah juga menjamin Nasabah untuk

a pilgrimage. The Arafah Hajj Savings also ensure that memperoleh porsi keberangkatan karena Bank Muamalat

customers receive their departure allotment since Bank telah terhubung on-line dengan Siskohat Departemen

Muamalat has been linked online with the Siskohat of Agama.

Ministry of Religious Affairs of the Republic of Indonesia. Tabungan Haji Arafah Plus diperuntukkan bagi nasabah

The Arafah Hajj Savings Plus is geared towards premium premium yang memiliki perencanaan haji singkat. Dengan

customers who are taking the short Hajj pilgrimage. With menjadi nasabah Tabungan Haji Arafah Plus, nasabah

the Arafah Hajj Savings Plus program, customers receive juga akan mendapat perlindungan cacat, rawat inap dan

protection coverage for maiming, hospitalitaion and layanan darurat medis.

emergency medical services.

Deposito Mudharabah

Merupakan jenis investasi syariah bagi nasabah perorangan A sharia based investment for individual and corporate dan badan hukum yang memberikan bagi hasil yang

customers that offer optimum return sharing. Customers optimal. Dana nasabah yang disimpan pada Deposito

funds that are placed in Mudharabah deposit will be Mudharabah akan dikelola melalui pembiayaan kepada

invested in a number of businesses from the real sector berbagai jenis usaha sektor riil yang halal dan baik saja,

that is fully sharia compliant and can be expected to sehingga memberikan bagi hasil yang halal. Tersedia

produce returns that are halal. Available in tenors of 1, dalam jangka waktu 1, 3, 6, dan 12 bulan dengan pilihan

3, 6 and 12 months with a choice of currencies in either mata uang dalam rupiah dan USD. Deposito Mudharabah

Rupiah or US Dollar. The Mudharabah Deposit comes with dapat diperpanjang secara otomatis (Automatic Roll Over)

automotic roll over facility and can also be pledged as dan juga dapat dijadikan jaminan pembiayaan di Bank

collateral for financing from Bank Muamalat. Muamalat.

Laporan Tahunan 2009 Bank Muamalat

Deposito Fulinves

Merupakan jenis investasi yang dikhususkan bagi nasabah A sharia based investment designed especially for perorangan, dengan jangka waktu 6 dan 12 bulan. Deposito

individual customers, with tenors of 6 and 12 months. Fulinves memiliki keunggulan perlindungan asuransi jiwa

Fullinves Deposit offers the benefit of a complimentary life secara cuma-cuma dan dapat diperpanjang secara otomatis

insurance coverage and comes with automotic roll over (Automatic Roll Over) dan dapat dipergunakan sebagai

facility and can also be pledged as collateral for financing jaminan pembiayaan di Bank Muamalat. Deposito Fulinves

from Bank Muamalat. Depositors receive an optimum memberikan bagi hasil setiap bulan yang optimal.

monthly profit sharing plan.

Giro Wadi’ah

Merupakan titipan dana pihak ketiga berupa simpanan A third-party current account that can be withdrawn at giro yang penarikannya dapat dilakukan setiap saat

any time by cashier cheques, bank drafts, giros and bank dengan menggunakan cek, bilyet giro dan aplikasi

transfer. Suited to both personal or company to support pemindahbukuan. Diperuntukkan bagi nasabah pribadi

business activities. Cash withdrawal free of charge at all maupun perusahaan untuk mendukung aktivitas usaha.

ATM Muamalat, ATM BCA/PRIMA and ATM Bersama, as Fasilitas khusus giro perorangan, nasabah akan mendapat

well as access to all merchants of Debit BCA/PRIMA. kartu ATM dan Debit, tarik tunai bebas biaya di seluruh

jaringan ATM BCA/PRIMA dan ATM Bersama serta akses di seluruh merchant Debit BCA/PRIMA.

Kas Kilat

Muamalat kas kilat-i (mk2) adalah layanan pengiriman The Muamalat kas kilat-i (mk2) is a fast, easy, affordable uang yang cepat, mudah, murah dan aman dari Malaysia

and safe way to transfer money from Malaysia to family ke keluarga di tanah air melalui rekening tabungan Shar-e.

members in Indonesia through the Shar-e savings account. Layanan kas kilat bekerja sama dengan Bank Muamalat

The kas kilat service is also provided in cooperation with Malaysia Berhad membantu nasabah mengirimkan uang

Bank Muamalat Malaysia Berhad, helping customers secepat kilat dari Malaysia ke Indonesia.

transfer funds expeditiously from Malaysia to Indonesia.

Dana Pensiun Muamalat

DPLK Muamalat dapat diikuti oleh mereka yang berusia 18 The Muamalat Pension Fund is eligible for those who are tahun, atau sudah menikah, dan pilihan usia pensiun 45-

at least 18 years of age, or of marital status, with the 65 tahun dengan iuran sangat terjangkau, yaitu minimal

range of pension -age between 45 - 65 years old. Monthly Rp. 50.000 perbulan dan pembayarannya dapat didebet

payment is highly affordable, a minimum of Rp 50,000 secara otomatis dari rekening Bank Muamalat atau dapat

per month which is debited automatically from a Bank ditransfer dari bank lain. Peserta juga dapat mengikuti

Muamalat account or transferred from other banks. The program WASIAT UMAT, dimana selama masa kepesertaan

beneficiary can also join the WASIAT UMMAT program, akan dilindungi asuransi jiwa sesuai ketentuan berlaku.

which over the duration of the program is covered by Dengan asuransi ini, keluarga peserta akan memperoleh

life insurance in line with prevailing regulation. With the dana pensiun sebesar yang diproyeksikan sejak awal

insurance, the beneficiary is entitled to the full amount of jika peserta meninggal dunia sebelum memasuki masa

pension benefits projected at the start of a plan, even if pensiun.

the police holder pass away before retirement.

Annual Report 2009 Bank Muamalat

PRODUK PEMBIAYAAN

FINANCING PRODUCTS

Pembiayaan adalah penyediaan dana atau tagihan yang Financing is the alocation of funds or receivables of the dipersamakan dengan itu berdasarkan persetujuan atau

same based upon an agreement between Bank Muamalat kesepakatan antara Bank Muamalat dan pihak lain yang

and another party that holds the party being financed and/ mewajibkan pihak yang dibiayai dan/atau diberi fasilitas

or provided with a financing facility to return said funds dana untuk mengembalikan dana tersebut setelah jangka

after a certain period of time with either a fixed amount of waktu tertentu dengan imbalan ujroh, tanpa imbalan, atau

fees (ujroh), no fees or profit sharing. The financing can be bagi hasil. Pembiayaan yang diberikan dapat digunakan

provided for Working Capital, Investment or Consumption. untuk kebutuhan Modal Kerja, Investasi atau Konsumtif.

Disbursement of funds can be done bilaterally from sharia Penyalurannya dapat dilakukan secara bilateral yaitu oleh satu

bank to another party, or multilaterally through syndication bank syariah kepada satu pihak maupun secara multilateral/

of one or more syndicated parties to the receiving party sindikasi yaitu oleh lebih dari satu bank syariah/unit usaha syariah/lembaga keuangan kepada satu pihak.

PEMBIAYAAN JUAL BELI

SALES-PURCHASE CONCEPT

Murabahah

Adalah jual beli barang pada harga asal dengan tambahan A sale and purchase of goods at a base price with an keuntungan yang disepakati. Harga jual tidak boleh berubah

agreed mark-up for profit. The selling price will not change selama masa perjanjian. Konsep ini cocok untuk pembiayaan

throughout the duration of the agreement. This concept is Modal Kerja, Investasi dan Konsumtif.

suitable for Working Capital, Investment and Consumption.

Salam

Adalah pembelian barang yang diserahkan di kemudian hari An agreement to purchase goods for future delivery, in which dimana pembayaran dilakukan dimuka secara tunai. Konsep

payment is made in advance by cash. The concept is suitable Salam cocok untuk pembiayaan di bidang pertanian.

for financing in the field of agriculture.

Istishna’

Adalah jual beli dimana produsen (shaani’) ditugaskan untuk A sale-and-purchase contract, in which a Mustashni’ membuat suatu barang pesanan dari pemesan (mustashni’).

(customer) orders a shaanj’ (manufacturer) to produce certain Istishna’ mirip dengan Salam yaitu dari segi obyek pesanannya

goods. Since the ordered objects must conform to a strict harus dibuat atau dipesan terlebih dahulu dengan ciri-ciri

specifications, the Istishna’ transaction is similar to Salam. The khusus. Perbedaannya, pembayaran Istishna’ dapat dilakukan

only difference is that in Istishna’ transaction, the payment di awal, di tengah atau di akhir pesanan. Konsep Istishna’

can be made either in advance, at the middle or end of order cocok untuk pembiayaan pembangunan property dan

completion. This concept is suitable for the financing of penyediaan barang atau aset yang memiliki kriteria spesifik.

property development and the supply of goods or assets with spesific criteria.

Laporan Tahunan 2009 Bank Muamalat

PEMBIAYAAN BAGI HASIL

PROFIT SHARING CONCEPT

Musyarakah

Adalah kerja sama antara dua pihak atau lebih untuk suatu A partnership established between two or more parties in a usaha tertentu, dimana masing-masing pihak memberikan

certain business project, in which each respective party agrees kontribusi dana, pekerjaan atau keahlian dengan kesepakatan

to contribute an amount of fund (donation/expertise) and bahwa keuntungan dan risiko akan ditanggung bersama

thus sharing the profits and risks. This concept is suitable for sesuai dengan kesepakatan. Konsep ini cocok untuk

financing of working caital and investment. pembiayaan Modal Kerja dan Investasi.

Musyarakah Mutanaqisah

Adalah Musyarakah atau Syirkah yang kepemilikan asset A sale and purchase agreement involving Musyarakah or (barang) atau modal salah satu pihak (syarik) berkurang

Syirkah in which an ownership in asset or capital by one party disebabkan pembelian secara bertahap oleh pihak lainnya.

(syarik) diminishes as a result of a gradual purchase by another Konsep ini dapat digunakan untuk pembelian rumah, melalui

party. This concept is often used for the purchase of homes, pengajuan pembiayaan Kongsi Pemilikan Rumah (KPR)

through the financing application for the home mortgage Syariah Baiti Jannati.

Kongsi Pemilikan Rumah (KPR) Syariah Baiti Jannati.

Mudharabah

Adalah kerja sama antara dua pihak dimana salah satu pihak A partnership agreement between Bank Muamalat and a (Bank) bertindak sebagai penyedia dana (shahibul maal),

Mudharib (customer), who has the required skill and ability dan pihak lain (nasabah) bertindak sebagai pengelola usaha

to manage a business project. In this agreement, the investor (mudharib). Dalam hal ini, Bank menyerahkan modalnya

(Shahibul Maal) provides the fund for the worker/trader kepada nasabah untuk dikelola. Pembiayaan Mudharabah

(Mudharib) to manage. This Mudharabah financing is widely banyak digunakan untuk pembiayaan proyek atau usaha-

used for project financing or businesses that have a projected usaha yang memiliki proyeksi dan pencatatan pendapatan

income flows and operating costs that are definitive. This dan biaya usaha yang definitif. Konsep ini cocok untuk

concept is suitable for the financing of Working Capital and pembiayaan Modal Kerja dan Investasi.

Investment.

PEMBIAYAAN SEWA

LEASING CONCEPT

Ijarah

Adalah perjanjian antara Bank sebagai pemberi sewa (mu’ajjir) A contract between the Bank (Mu’ajjir) and a Customer dengan nasabah selaku penyewa (musta’jir) atas suatu barang

(Musta’jir), in which the Musta’jir agrees to rent a Bank’s asset atau aset milik Bank. Bank mendapatkan imbalan jasa atas

and to pay the fee for the rented assets. barang atau aset yang disewakannya.

Ijarah Muntahia Bittamlik (IMBT)

Adalah perjanjian antara Bank sebagai pemberi sewa (Mu’ajjir) A contract between the Bank (Mu’ajjir) and a Customer, in dengan nasabah selaku penyewa (Musta’jir). Dengan konsep

which the customer/Mustajir agrees to pay the fee for the IMBT, nasabah (penyewa) setuju akan membayar uang

rented assets during an agreed period and when the rental sewa selama masa sewa yang diperjanjikan dan bila sewa

contract expires the Customer can opt to transfer the berakhir penyewa mempunyai hak opsi untuk memindahkan

ownership of the rented assets.Ijarah financing and IMBT are kepemilikan obyek sewa tersebut dari pemberi sewa.

often used to finance investments in heavy equipment. Pembiayaan Ijarah dan IMBT umumnya digunakan untuk

Annual Report 2009 Bank Muamalat 111

Qardh

Adalah pemberian harta kepada orang lain yang dapat ditagih atau diminta kembali. Menurut teknis perbankan, qardh adalah pemberian pinjaman dari Bank kepada nasabah yang dipergunakan untuk kebutuhan mendesak, seperti dana talangan dengan kriteria tertentu dan bukan untuk pinjaman yang bersifat konsumtif. Pengembalian pinjaman ditentukan dalam jangka waktu tertentu (sesuai kesepakatan bersama) sebesar pinjaman tanpa ada tambahan keuntungan dan pembayarannya dilakukan secara angsuran atau sekaligus. Konsep ini dapat digunakan untuk Pembiayaan Dana Talangan Haji.