Makalah Bunga Bank Dan Riba. Law of Republic of Indonesia on stipulation of Government Regulation in Lieu of Law (Perppu).
Now days, Muslims could not avoid their selves from muamalah with the conventional banks who use the system of interest in all aspects of life, including their religious life and primarily their economic life. Nevertheless, Islamic banking is expected to avoid the application of the interest system and consistency in applying the mudhrabah system.
Mudarabah business profits are divided according to the contract agreement, whereas if the loss, responsible by the owners of the capital as long as the loss is not due to negligence of manager. Therefore, Islamic banks also apply Wadi'ah system which can be interpreted as a pure deposit of one party to the other, both individuals and legal counsel entities that must be preserved and restored anytime depositors' wills.
Therefore, Islamic economic principles which have been applied in this case are Mudarabhah, Musharakah, and Murabahah.
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