Matriks Perbandingan Praktek Perbankan Syariah di Beberapa Negara
| Keterangan | Indonesia | Sudan | Malaysia |
| Kapan Dimulainya
Bank Islam |
Tahun 1992 ditandai dengan beroperasinya Bank Muamalat Indonesia | Ditandai dengan adanya Faisal Islamic Bank of Sudan (1977) | Tahun 1983 ditandai dengan lahirnya nya Bank Islam Malaysia Berhad (BIMB)
Sebelumnya juga dikeluarkannya Islamic Bank Act (1983) |
| Compliance
(Kepatuhan Ke- pada Prinsip Sya riah) |
More than
Malaysia |
Fully Islamized | Menjadikan
Islamic Economics, Finance, and banking salah satusebagai alat untuk meninkatkan economic growth of Malaysia |
| Stability (Kestabilan Sistem dan Manfaat Bagi Perekonomian) | As long as
Murabaha More Dominant Than PLS, The Benefits For Economy As a whole are Less.
|
Loan to Deposit Ratio (around 40%) indicates no pressure on the whole Banking System, and a high level of liquidity to respond shocks | As long as
Murabaha More Dominant Than PLS, The Benefits For Economy As a whole are Less. |
| Financing (Pembiayaan) | Pembiayaan terbesar adalah pembiayaan murabahah yaitu sebesar lebih kurang 55% | Murabahah declined from 53% in 1996 to 50% in 1999 further to 30% in 2000. Musharakah increased from 30,8% in 1999 to 42% in 2000. Mudarabah increased from 4,1% in 1999 to 6% in 2000, Bai al-salam increased from 5,1% in 1999 to 15,8% in 2000 | Pembiayaan terbesar perbankan Islam di Malaysia yaitu Bai Bithaman Ajil (BBA) sebesar 32% dari total pembiayaan |
Ref:
- Huda, Nurul dan Zulihar. 2000, Perbandingan Lembaga Keuangan Islam Indonesia dan Malaysia, Volume 1 Nomor 2, November 2010, 138
- Mohsin, Magda Ismail Abdel. 2005. The Practice of Islamic Banking System in Sudan, Journal of Islamic Cooperation 26 (4) page 27-50