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44440444404444044440444404444044440444404444044440444404444044440444404444044440444
40444404444044440444404444044440444404444044440fffd9}}}}}{\rtlch \fcs1 \af2
\afs24 \ltrch \fcs0 \fs24 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af2 \loch
\af2 }{\rtlch \fcs1 \af2 \afs24 \ltrch \fcs0 \fs24 \kerning2 \rtlch \ltrch \loch
\af2 \hich \af2 \dbch \f2 \par }\pard \plain \qc \li0 \ri0 \sl480 \slmult1
\widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \rtlch
\ltrch \dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1 \af0 \afs28 \ltrch \fcs0
\fs28 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \f0 \lang17417
\langnp17417 Analisis Terhadap Institusi :}{\rtlch \fcs1 \af0 \afs32 \ltrch
\fcs0 \fs32 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \f0 \lang17417
\langnp17417 \par }\pard \plain \qc \li0 \ri0 \sl480 \slmult1 \widctlpar
\aspalpha \aspnum \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \rtlch \ltrch
\dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1 \af0 \afs28 \ltrch \fcs0 \fs28
\kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \f0 \lang17417 \langnp17417
BANK ISLAM MALAYSIA BERHAD}{\rtlch \fcs1 \af0 \afs28 \ltrch \fcs0 \fs28
\kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \f0 \lang17417 \langnp17417
\par }\pard \plain \qc \li0 \ri0 \sl480 \slmult1 \widctlpar \aspalpha \aspnum
\adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0
\loch \af0 {\rtlch \fcs1 \af0 \afs28 \ltrch \fcs0 \fs28 \kerning2 \rtlch \ltrch
\dbch \af2 \hich \af0 \loch \f0 \lang17417 \langnp17417 Cawangan Negeri Selangor}
{\rtlch \fcs1 \af0 \afs28 \ltrch \fcs0 \fs28 \kerning2 \rtlch \ltrch \dbch \af2
\hich \af0 \loch \f0 \lang17417 \langnp17417 \par }\pard \plain \qc \li0 \ri0
\sl480 \slmult1 \widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \itap0
\fs21 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1
\af0 \afs28 \ltrch \fcs0 \fs28 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0
\loch \f0 \lang17417 \langnp17417 \par }\pard \plain \qc \li0 \ri0 \sl480
\slmult1 \widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \itap0 \fs21
\kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1 \af0
\afs24 \ltrch \fcs0 \fs24 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch
\f0 \lang17417 \langnp17417 Disediakan oleh : }{\rtlch \fcs1 \af0 \afs24 \ltrch
\fcs0 \fs24 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \f0 \lang17417
\langnp17417 \par }\pard \plain \qc \li0 \ri0 \sl480 \slmult1 \widctlpar
\aspalpha \aspnum \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \rtlch \ltrch
\dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1 \af0 \afs24 \ltrch \fcs0 \fs24
\kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \f0 \lang17417 \langnp17417
ANIS SALSABILA BT HARIS AFIDZAN B1920049}{\rtlch \fcs1 \af0 \afs24 \ltrch
\fcs0 \fs24 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \f0 \lang17417
\langnp17417 \par }\pard \plain \qc \li0 \ri0 \sl480 \slmult1 \widctlpar
\aspalpha \aspnum \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \rtlch \ltrch
\dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1 \af0 \afs24 \ltrch \fcs0 \fs24
\kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \f0 \lang17417 \langnp17417
\par }\pard \plain \qc \li0 \ri0 \sl480 \slmult1 \widctlpar \aspalpha \aspnum
\adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0
\loch \af0 {\rtlch \fcs1 \af0 \afs24 \ltrch \fcs0 \fs24 \kerning2 \rtlch \ltrch
\dbch \af2 \hich \af0 \loch \f0 \lang17417 \langnp17417 Kursus : }{\rtlch \fcs1
\af0 \afs24 \ltrch \fcs0 \fs24 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0
\loch \f0 \lang17417 \langnp17417 \par }\pard \plain \qc \li0 \ri0 \sl480
\slmult1 \widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \itap0 \fs21
\kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1 \af0
\afs24 \ltrch \fcs0 \fs24 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch
\f0 \lang17417 \langnp17417 Sarjana Muda Pengurusan Pembangunan Islam }{\rtlch
\fcs1 \af0 \afs24 \ltrch \fcs0 \fs24 \kerning2 \rtlch \ltrch \dbch \af2 \hich
\af0 \loch \f0 \lang17417 \langnp17417
\par }\pard \plain \qc \li0 \ri0 \sl480 \slmult1 \widctlpar \aspalpha \aspnum
\adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0
\loch \af0 {\rtlch \fcs1 \af0 \afs24 \ltrch \fcs0 \fs24 \kerning2 \rtlch \ltrch
\dbch \af2 \hich \af0 \loch \f0 \lang17417 \langnp17417 Semester 4}{\rtlch \fcs1
\af0 \afs24 \ltrch \fcs0 \fs24 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0
\loch \f0 \lang17417 \langnp17417 \par }\pard \plain \qc \li0 \ri0 \sl480
\slmult1 \widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \itap0 \fs21
\kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1 \af0
\afs24 \ltrch \fcs0 \fs24 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch
\f0 \lang17417 \langnp17417 \par }\pard \plain \qc \li0 \ri0 \sl480 \slmult1
\widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \rtlch
\ltrch \dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1 \af0 \afs24 \ltrch \fcs0
\fs24 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \f0 \lang17417
\langnp17417 Kod Pembelajaran :}{\rtlch \fcs1 \af0 \afs24 \ltrch \fcs0 \fs24
\kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \f0 \lang17417 \langnp17417
\par }\pard \plain \qc \li0 \ri0 \sl480 \slmult1 \widctlpar \aspalpha \aspnum
\adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0
\loch \af0 {\rtlch \fcs1 \af0 \afs24 \ltrch \fcs0 \fs24 \kerning2 \rtlch \ltrch
\dbch \af2 \hich \af0 \loch \f0 \lang17417 \langnp17417 Teori Pengurusan
Pembangunan Islam (PPI 3033)}{\rtlch \fcs1 \af0 \afs24 \ltrch \fcs0 \fs24 \kerning2
\rtlch \ltrch \dbch \af2 \hich \af0 \loch \f0 \lang17417 \langnp17417
\par }\pard \plain \qc \li0 \ri0 \sl480 \slmult1 \widctlpar \aspalpha \aspnum
\adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0
\loch \af0 {\rtlch \fcs1 \af0 \afs24 \ltrch \fcs0 \fs24 \kerning2 \rtlch \ltrch
\dbch \af2 \hich \af0 \loch \f0 \lang17417 \langnp17417 \par }\pard \plain \qc \li0
\ri0 \sl480 \slmult1 \widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0
\itap0 \fs21 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1
\af0 \afs24 \ltrch \fcs0 \fs24 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0
\loch \f0 \lang17417 \langnp17417 Pensyarah : }{\rtlch \fcs1 \af0 \afs24 \ltrch
\fcs0 \fs24 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \f0 \lang17417
\langnp17417 \par }\pard \plain \qc \li0 \ri0 \sl480 \slmult1 \widctlpar
\aspalpha \aspnum \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \rtlch \ltrch
\dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1 \af0 \afs24 \ltrch \fcs0 \fs24
\kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \f0 \lang17417 \langnp17417
SITI NUR AFIQAH BT SHAFIE}{\rtlch \fcs1 \af0 \afs24 \ltrch \fcs0 \fs24 \kerning2
\rtlch \ltrch \dbch \af2 \hich \af0 \loch \f0 \lang17417 \langnp17417
\par }\pard \plain \qc \li0 \ri0 \sl480 \slmult1 \widctlpar \aspalpha \aspnum
\adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0
\loch \af0 {\rtlch \fcs1 \af0 \afs24 \ltrch \fcs0 \fs24 \kerning2 \rtlch \ltrch
\dbch \af2 \hich \af0 \loch \f0 \lang17417 \langnp17417 \par }\pard \plain \qc \li0
\ri0 \sl480 \slmult1 \widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0
\itap0 \fs21 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1
\af0 \afs32 \ltrch \fcs0 \fs32 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0
\loch \f0 \lang17417 \langnp17417 ISI KANDUNGAN }{\rtlch \fcs1 \af0 \afs32
\ltrch \fcs0 \fs32 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \f0
\lang17417 \langnp17417 \par }\pard \plain \qc \li0 \ri0 \sl480 \slmult1 \widctlpar
\aspalpha \aspnum \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \rtlch \ltrch
\dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1 \af0 \afs32 \ltrch \fcs0 \fs32
\kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \f0 \lang17417 \langnp17417
\par }\pard \plain \qc \li0 \ri0 \sl480 \slmult1 \widctlpar \aspalpha \aspnum
\adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0
\loch \af0 {\rtlch \fcs1 \af0 \afs32 \ltrch \fcs0 \fs32 \kerning2 \rtlch \ltrch
\dbch \af2 \hich \af0 \loch \f0 \lang17417 \langnp17417 \par }\pard \plain \qc \li0
\ri0 \sl480 \slmult1 \widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0
\itap0 \fs21 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1
\af0 \afs32 \ltrch \fcs0 \fs32 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0
\loch \f0 \lang17417 \langnp17417 \par }\pard \plain \qc \li0 \ri0 \sl480
\slmult1 \widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \itap0 \fs21
\kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1 \af0
\afs32 \ltrch \fcs0 \fs32 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch
\f0 \lang17417 \langnp17417 \par }\pard \plain \qc \li0 \ri0 \sl480 \slmult1
\widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \rtlch
\ltrch \dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1 \af0 \afs32 \ltrch \fcs0
\fs32 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \f0 \lang17417
\langnp17417 \par }\pard \plain \qc \li0 \ri0 \sl480 \slmult1 \widctlpar
\aspalpha \aspnum \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \rtlch \ltrch
\dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1 \af0 \afs32 \ltrch \fcs0 \fs32
\kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \f0 \lang17417 \langnp17417
\par }\pard \plain \qc \li0 \ri0 \sl480 \slmult1 \widctlpar \aspalpha \aspnum
\adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0
\loch \af0 {\rtlch \fcs1 \af0 \afs32 \ltrch \fcs0 \fs32 \kerning2 \rtlch \ltrch
\dbch \af2 \hich \af0 \loch \f0 \lang17417 \langnp17417 \par }\pard \plain \qc \li0
\ri0 \sl480 \slmult1 \widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0
\itap0 \fs21 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1
\af0 \afs32 \ltrch \fcs0 \fs32 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0
\loch \f0 \lang17417 \langnp17417 \par }\pard \plain \qc \li0 \ri0 \sl480
\slmult1 \widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \itap0 \fs21
\kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1 \af0
\afs32 \ltrch \fcs0 \fs32 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch
\f0 \lang17417 \langnp17417 \par }\pard \plain \qc \li0 \ri0 \sl480 \slmult1
\widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \rtlch
\ltrch \dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1 \af0 \afs32 \ltrch \fcs0
\fs32 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \f0 \lang17417
\langnp17417 \par }\pard \plain \qc \li0 \ri0 \sl480 \slmult1 \widctlpar
\aspalpha \aspnum \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \rtlch \ltrch
\dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1 \af0 \afs32 \ltrch \fcs0 \fs32
\kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \f0 \lang17417 \langnp17417
\par }\pard \plain \qc \li0 \ri0 \sl480 \slmult1 \widctlpar \aspalpha \aspnum
\adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0
\loch \af0 {\rtlch \fcs1 \af0 \afs32 \ltrch \fcs0 \fs32 \kerning2 \rtlch \ltrch
\dbch \af2 \hich \af0 \loch \f0 \lang17417 \langnp17417 \par }\pard \plain \qc \li0
\ri0 \sl480 \slmult1 \widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0
\itap0 \fs21 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1
\af0 \afs32 \ltrch \fcs0 \fs32 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0
\loch \f0 \lang17417 \langnp17417 \par }\pard \plain \qc \li0 \ri0 \sl480
\slmult1 \widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \itap0 \fs21
\kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1 \af0
\afs32 \ltrch \fcs0 \fs32 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch
\f0 \lang17417 \langnp17417 \par }\pard \plain \qc \li0 \ri0 \sl480 \slmult1
\widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \rtlch
\ltrch \dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1 \af0 \afs32 \ltrch \fcs0
\fs32 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \f0 \lang17417
\langnp17417 \par }\pard \plain \qc \li0 \ri0 \sl480 \slmult1 \widctlpar
\aspalpha \aspnum \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \rtlch \ltrch
\dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1 \af0 \afs32 \ltrch \fcs0 \fs32
\kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \f0 \lang17417 \langnp17417
\par }\pard \plain \qc \li0 \ri0 \sl480 \slmult1 \widctlpar \aspalpha \aspnum
\adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0
\loch \af0 {\rtlch \fcs1 \af0 \afs32 \ltrch \fcs0 \fs32 \kerning2 \rtlch \ltrch
\dbch \af2 \hich \af0 \loch \f0 \lang17417 \langnp17417 \par }\pard \plain \qj \li0
\ri0 \sl480 \slmult1 \widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0
\itap0 \fs21 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1
\af0 \afs32 \ltrch \fcs0 \fs32 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0
\loch \f0 \lang17417 \langnp17417 Pendahuluan }{\rtlch \fcs1 \af0 \afs32 \ltrch
\fcs0 \fs32 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \f0 \lang17417
\langnp17417 \par }\pard \plain \qj \li0 \ri0 \sl480 \slmult1 \widctlpar
\aspalpha \aspnum \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \rtlch \ltrch
\dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1 \af0 \afs24 \ltrch \fcs0 \fs24
\kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \f0 \lang17417 \langnp17417
Tugasan ini membincangkan tentang satu institusi pengurusan Islam. Melakukan
analisis terhadap institusi terbabit untuk mengetahui kaedah dan pendekatan
pengurusan yang digunakan bagi menggerakkan pengurusan institusi berkenaan.}{\rtlch
\fcs1 \af0 \afs24 \ltrch \fcs0 \fs24 \kerning2 \rtlch \ltrch \dbch \af2 \hich
\af0 \loch \f0 \lang17417 \langnp17417 \par }\pard \plain \qj \li0 \ri0 \sl480
\slmult1 \widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \itap0 \fs21
\kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1
\af0 \afs24 \ltrch \fcs0 \fs24 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch
\f0 \lang17417 \langnp17417 \tab }{\rtlch \fcs1 \af0 \afs24 \ltrch \fcs0 \fs24
\kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \f0 \lang17417 \langnp17417
Analisis yang akan dilakukan adalah berkaitan dengan mengetahui latar belakang
institusi Bank Islam Malaysia Berhad ( BIMB ) yang bertempat di bandar Saujana
Utama yang lokasinya terletak hampir 10 km dari kawasan perumahan. }{\rtlch
\fcs1 \af0 \afs24 \ltrch \fcs0 \fs24 \kerning2 \rtlch \ltrch \dbch \af2 \hich
\af0 \loch \f0 \lang17417 \langnp17417 \par }\pard \plain \qj \li0 \ri0 \sl480
\slmult1 \widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \itap0 \fs21
\kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1 \af0
\afs24 \ltrch \fcs0 \fs24 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch
\f0 \lang17417 \langnp17417 \tab }{\rtlch \fcs1 \af0 \afs24 \ltrch \fcs0 \fs24
\kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \f0 \lang17417 \langnp17417
Mengenal pasti kaedah pengurusan yang digunakan oleh Bank Islam Malaysia Berhad
( BIMB) serta menganalisis adakah pengurusan institusi Bank Islam Malaysia Berhad
selari dengan tasawwur dan epistemologi Islam. }{\rtlch \fcs1 \af0 \afs24
\ltrch \fcs0 \fs24 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \f0
\lang17417 \langnp17417 \par }\pard \plain \qc \li0 \ri0 \sl480 \slmult1 \widctlpar
\aspalpha \aspnum \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \rtlch \ltrch
\dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1 \af0 \afs32 \ltrch \fcs0 \fs32
\kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \f0 \lang17417 \langnp17417
\par }\pard \plain \qc \li0 \ri0 \sl480 \slmult1 \widctlpar \aspalpha \aspnum
\adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0
\loch \af0 {\rtlch \fcs1 \af0 \afs32 \ltrch \fcs0 \fs32 \kerning2 \rtlch \ltrch
\dbch \af2 \hich \af0 \loch \f0 \lang17417 \langnp17417 \par }\pard \plain \qc \li0
\ri0 \sl480 \slmult1 \widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0
\itap0 \fs21 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1
\af0 \afs24 \ltrch \fcs0 \fs24 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0
\loch \f0 \lang17417 \langnp17417 \par }\pard \plain \qc \li0 \ri0 \sl480
\slmult1 \widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \itap0 \fs21
\kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1 \af0
\afs32 \ltrch \fcs0 \fs32 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch
\f0 \lang17417 \langnp17417 \par }\pard \plain \qc \li0 \ri0 \sl480 \slmult1
\widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \rtlch
\ltrch \dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1 \af0 \afs32 \ltrch \fcs0
\fs32 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \f0 \lang17417
\langnp17417 \par }\pard \plain \qc \li0 \ri0 \sl480 \slmult1 \widctlpar
\aspalpha \aspnum \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \rtlch \ltrch
\dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1 \af0 \afs32 \ltrch \fcs0 \fs32
\kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \f0 \lang17417 \langnp17417
\par }\pard \plain \qc \li0 \ri0 \sl480 \slmult1 \widctlpar \aspalpha \aspnum
\adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0
\loch \af0 {\rtlch \fcs1 \af0 \afs32 \ltrch \fcs0 \fs32 \kerning2 \rtlch \ltrch
\dbch \af2 \hich \af0 \loch \f0 \lang17417 \langnp17417 \par }\pard \plain \qc \li0
\ri0 \sl480 \slmult1 \widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0
\itap0 \fs21 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1
\af0 \afs32 \ltrch \fcs0 \fs32 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0
\loch \f0 \lang17417 \langnp17417 \par }\pard \plain \qj \li0 \ri0 \sl480
\slmult1 \widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \itap0 \fs21
\kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1 \af0
\afs32 \ltrch \fcs0 \fs32 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch
\f0 \lang17417 \langnp17417 \par }\pard \plain \qj \li0 \ri0 \sl480 \slmult1
\widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \rtlch
\ltrch \dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1 \af0 \afs32 \ltrch \fcs0
\fs32 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \f0 \lang17417
\langnp17417 \par }\pard \plain \ql \li0 \ri0 \sl480 \slmult1 \widctlpar
\aspalpha \aspnum \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \rtlch \ltrch
\dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1 \af0 \afs32 \ltrch \fcs0 \fs32
\kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \f0 \lang17417 \langnp17417
Latar belakang }{\rtlch \fcs1 \af0 \afs32 \ltrch \fcs0 \fs32 \kerning2 \rtlch
\ltrch \dbch \af2 \hich \af0 \loch \f0 \lang17417 \langnp17417 \par }\pard
\plain \qj \li0 \ri0 \sl480 \slmult1 \widctlpar \aspalpha \aspnum \adjustright
\lin0 \rin0 \itap0 \fs21 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \af0
{\rtlch \fcs1 \af0 \afs24 \ltrch \fcs0 \fs24 \kerning2 \rtlch \ltrch \dbch \af2
\hich \af0 \loch \f0 \lang17417 \langnp17417 Bank islam atau perbankan Islam di
Malaysia ialah institusi yang diwujudkan untuk menyediakan kemudahan dan
perkidmatan bank khususnya kepada umat Islam dengan cara yang berlandaskan kepada
hukum Syariah.}{\rtlch \fcs1 \af0 \afs24 \ltrch \fcs0 \fs24 \kerning2 \rtlch \ltrch
\dbch \af2 \hich \af0 \loch \f0 \lang17417 \langnp17417 \par }\pard \plain \qj \li0
\ri0 \sl480 \slmult1 \widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0
\itap0 \fs21 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1
\af0 \afs24 \ltrch \fcs0 \fs24 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0
\loch \f0 \lang17417 \langnp17417 \tab }{\rtlch \fcs1 \af0 \afs24 \ltrch \fcs0
\fs24 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \f0 \lang17417
\langnp17417 Bank Islam yang ditubuhkan pada 1983 adalah institusi berasaskan
Syariah pertama di Malaysia. Sejak penubuhannya, ia menjadi simbol perbankan Islam
di Malaysia.}{\rtlch \fcs1 \af0 \afs24 \ltrch \fcs0 \fs24 \kerning2 \rtlch
\ltrch \dbch \af2 \hich \af0 \loch \f0 \lang17417 \langnp17417 \par }\pard
\plain \qj \li0 \ri0 \sl480 \slmult1 \widctlpar \aspalpha \aspnum \adjustright
\lin0 \rin0 \itap0 \fs21 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \af0
{\rtlch \fcs1 \af0 \afs24 \ltrch \fcs0 \fs24 \kerning2 \rtlch \ltrch \dbch \af2
\hich \af0 \loch \f0 \lang17417 \langnp17417 \tab }{\rtlch \fcs1 \af0 \afs24 \ltrch
\fcs0 \fs24 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \f0 \lang17417
\langnp17417 Bank Islam telah berkembang dengan semakin kukuh seperti yang dapat
dilihat melalui prestasi kewangan dan modal berbayarnya, yang amat penting dalam
pertumbuhan asetnya. Sepanjang tahun ini, Bank Islam telah memulakan beberapa
program perluasan dengan penglibatannya. Antara lain, dalam urus niaga penting dan
Mandat Korporat. Setanding dengan semangat perintisnya, Bank Islam terus
menyediakan produk perkhidmatan yang inovatif dan lebih menarik hingga berjaya
meningkatkan bilangan pelanggan yang memilih perbankan Islam sebagai alternatif
sebenar kepada perbankan konvensional. Senarai pelanggan yang semakin bertambah ini
serta penyelesaian perbankan yang sangat mengagumkan dan berkualiti telah diiktiraf
oleh industri global yang ditunjukkan melalui posisi bank Islam yang berada
dikalangan bank yang terbaik di Malaysia.}{\rtlch \fcs1 \af0 \afs24 \ltrch \fcs0
\fs24 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \f0 \lang17417
\langnp17417 \par }\pard \plain \qj \li0 \ri0 \sl480 \slmult1 \widctlpar
\aspalpha \aspnum \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \rtlch \ltrch
\dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1 \af0 \afs24 \ltrch \fcs0 \fs24
\kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \f0 \lang17417 \langnp17417
\tab }{\rtlch \fcs1 \af0 \afs24 \ltrch \fcs0 \fs24 \kerning2 \rtlch \ltrch \dbch
\af2 \hich \af0 \loch \f0 \lang17417 \langnp17417 Melalui rangkaian yang berkembang
pesat terdiri daripada 142 cawangan dan lebih daripada 1200 terminal layan diri di
seluruh Malaysia. Bank Islam menyediakan senarai lengkap bagi lebih daripada 70
produk dan perkhidmatan perbankan Islam yang inovatif da canggih, setanding dengan
khidmat yang ditawarkan oleh bank konvensional lain.}{\rtlch \fcs1 \af0 \afs24
\ltrch \fcs0 \fs24 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \f0
\lang17417 \langnp17417 \par }\pard \plain \qj \li0 \ri0 \sl480 \slmult1 \widctlpar
\aspalpha \aspnum \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \rtlch \ltrch
\dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1 \af0 \afs24 \ltrch \fcs0 \fs24
\kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \f0 \lang17417 \langnp17417
\tab }{\rtlch \fcs1 \af0 \afs24 \ltrch \fcs0 \fs24 \kerning2 \rtlch \ltrch \dbch
\af2 \hich \af0 \loch \f0 \lang17417 \langnp17417 Bermula dengan pembiayaan,
simpanan dan produk pelaburan tradisional khusus untuk pelanggan individu pada
beberapa tahun awal penubuhannya, rangkaian produk kewangan , perkhidmatan dan
penyelesaian perniagaan Bank islam yang berasaskan Syariah telah diperluas dengan
begitu ketara bagi memenuhi keperluan kewangan pelanggan yang sentiasa berubah
daripada semua kategori, termasuk yang berkaitan dengan produk pembiayaan mikro,
pengurusan harta, pasaran modal, produk perbendaharaan dan berstruktur.}{\rtlch
\fcs1 \af0 \afs24 \ltrch \fcs0 \fs24 \kerning2 \rtlch \ltrch \dbch \af2 \hich
\af0 \loch \f0 \lang17417 \langnp17417 \par }\pard \plain \qj \li0 \ri0 \sl480
\slmult1 \widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \itap0 \fs21
\kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1 \af0
\afs24 \ltrch \fcs0 \fs24 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch
\f0 \lang17417 \langnp17417 \tab }{\rtlch \fcs1 \af0 \afs24 \ltrch \fcs0 \fs24
\kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \f0 \lang17417 \langnp17417
Sebagai perintis dalam industri
ini, Bank Islam Malaysia Berhad (BIMB) telah memainkan peranan utama dalam
mempromosikan pengembangan jenama kewangan Islam Malaysia dalam pasaran lain,
terutamanya di rantau ini. Ini membantu Bank islam berkembang sebagai jenama yang
mantap dan dikenali di seluruh dunia. Selaras dengan bilangan perkhidmatan kewangan
tempatan dan global yang semakin meningkat, Bank Islam sentiasa sedar akan
keperluan untuk terus memainkan perananya sebagai perintis.}{\rtlch \fcs1 \af0
\afs24 \ltrch \fcs0 \fs24 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch
\f0 \lang17417 \langnp17417 \par }\pard \plain \qj \li0 \ri0 \sl480 \slmult1
\widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \rtlch
\ltrch \dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1 \af0 \afs24 \ltrch \fcs0
\fs24 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \f0 \lang17417
\langnp17417 \tab }{\rtlch \fcs1 \af0 \afs24 \ltrch \fcs0 \fs24 \kerning2 \rtlch
\ltrch \dbch \af2 \hich \af0 \loch \f0 \lang17417 \langnp17417 Menghargai perananya
sebagai perintis, Bank Islam telah dianugerahkan Anugerah Platinum Reader\uc1
\u8217 ?s Digest kerana menjadi jenama paling dipercayai selama lima tahun
berturut-turut. Senarai anugerah bank yang semakin bertambah ini turut mamasukkan
gelaran \uc1 \u8220 ? Bank Islam Malaysia Terbaik 2013\uc1 \u8217 ?\uc1 \u8217 ?
yang diberikan oleh The Banker yang berprestij. Dengan kepercayaan yang diamanahkan
ini, Bank Islam berada di laluan yang betul untuk menjadi \uc1 \u8220 ? Pemimpin
Global dalam Perbankan Islam\uc1 \u8221 ? dan terus berpandukan hasil kerja
perintisan oleh pelopornya, cita-cita Malaysia untuk menjadi pusat kewangan Islam
antarabangsa, kejayaan dalam usaha pemulihannya dan cabaran daripada pesaingnya.}
{\rtlch \fcs1 \af0 \afs24 \ltrch \fcs0 \fs24 \kerning2 \rtlch \ltrch \dbch \af2
\hich \af0 \loch \f0 \lang17417 \langnp17417 \par }\pard \plain \qj \li0 \ri0
\sl480 \slmult1 \widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \itap0
\fs21 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1
\af0 \afs24 \ltrch \fcs0 \fs24 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0
\loch \f0 \lang17417 \langnp17417 \par }\pard \plain \ql \li0 \ri0 \sl480
\slmult1 \widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \itap0 \fs21
\kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1 \af0
\afs32 \ltrch \fcs0 \fs32 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch
\f0 \lang17417 \langnp17417 Visi , Misi dan Objektif Bank Islam Malaysia Berhad}
{\rtlch \fcs1 \af0 \afs32 \ltrch \fcs0 \fs32 \kerning2 \rtlch \ltrch \dbch \af2
\hich \af0 \loch \f0 \lang17417 \langnp17417 \par }\pard \plain \qj \li0 \ri0
\sl480 \slmult1 \widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \itap0
\fs21 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1
\af0 \afs24 \ltrch \fcs0 \fs24 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0
\loch \f0 \lang17417 \langnp17417 Visi Bank Islam Malaysia Berhad ialah menjadi
pemimpin global dalam perbankan Islam. \uc1 \u8220 ? Pemimpin Global\uc1 \u8221 ?
ditakrifkan sebagai panduan dan sumber rujukan utama bagi produk dan perkhidmatan
yang inovatif berlandaskan prinsip syariah.}{\rtlch \fcs1 \af0 \afs24 \ltrch
\fcs0 \fs24 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \f0 \lang17417
\langnp17417 \par }\pard \plain \qj \li0 \ri0 \sl480 \slmult1 \widctlpar
\aspalpha \aspnum \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \rtlch \ltrch
\dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1 \af0 \afs24 \ltrch \fcs0 \fs24
\kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \f0 \lang17417 \langnp17417
\tab }{\rtlch \fcs1 \af0 \afs24 \ltrch \fcs0 \fs24 \kerning2 \rtlch \ltrch \dbch
\af2 \hich \af0 \loch \f0 \lang17417 \langnp17417 Misi Bank Islam Malaysia Berhad
ialah beriltizam untuk terus membangun dan memperbaharui penyelesaian kewangan yang
diterima sejajar dengan prinsip syariah. Menawarkan pulangan yang munasabah kepada
para pemegang saham. Bank Islam menyediakan persekitaran kerja yang kondusif dan
menjadi majikan pilihan bagi mereka yang berbakat besar di syarikat tersebut.
Menghasilkan penyelesaian kewanan yang lengkap bertaraf global melalui penggunaan
teknologi canggih yang terkini. Dalam melaksanakan misi korporat ini, Bank Islam
Malaysia Berhad ( BIMB ) berpandukan kepad nilai- nilai jenama korporatnya
menjadi : Pemimpin, Dinamik, Prihatin dan Amanah.}{\rtlch \fcs1 \af0 \afs24
\ltrch \fcs0 \fs24 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \f0
\lang17417 \langnp17417 \par }\pard \plain \qj \li0 \ri0 \sl480 \slmult1 \widctlpar
\aspalpha \aspnum \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \rtlch \ltrch
\dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1 \af0 \afs24 \ltrch \fcs0 \fs24
\kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \f0 \lang17417 \langnp17417
\tab }{\rtlch \fcs1 \af0 \afs24 \ltrch \fcs0 \fs24 \kerning2 \rtlch \ltrch \dbch
\af2 \hich \af0 \loch \f0 \lang17417 \langnp17417 Antara objektif Bank Islam ialah
didasarkan kepada dua faktor utama iaitu faktor agama dan faktor keuntungan. Sebuah
organisasi yang ditubuhkan berlandaskan faktor agama perlu menghayati ajaran-ajaran
agama yang mempunyai hubung kait dengan penubuhan dan perjalanan organisasi
tersebut. Oleh itu, sebuah Bank islam yang ditubuhkan berdasarkan faktor agama juga
perlu mematuhi dan mengikut prinsip-prinsip Islam sebagaimana yang telah ditetapkan
oleh Islam dalam menjalankan operasi perniagaan. Ajaran agama Islam akan membentuk
sesebuah organisasi Islam secara menyeluruh dan perbankan Islam khususnya untuk
lebih mementingkan unsur-unsur moral berbanding unsur-unsur material . Unsur- unsur
moral ini wujud disebabkan oleh faktor keimanan dan prinsip- prinsip lain yang
terdapat dalam ajaran Islam itu. }{\rtlch \fcs1 \af0 \afs24 \ltrch \fcs0 \fs24
\kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \f0 \lang17417 \langnp17417
\par }\pard \plain \qj \li0 \ri0 \sl480 \slmult1 \widctlpar \aspalpha \aspnum
\adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0
\loch \af0 {\rtlch \fcs1 \af0 \afs24 \ltrch \fcs0 \fs24 \kerning2 \rtlch \ltrch
\dbch \af2 \hich \af0 \loch \f0 \lang17417 \langnp17417 \tab }{\rtlch \fcs1 \af0
\afs24 \ltrch \fcs0 \fs24 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch
\f0 \lang17417 \langnp17417 Faktor keuntungan menjadi objektif kedua kerana Islam
tidak menghalang aktiviti pengambilan untung dalam perniagaan bahkan menggalakkan
sesebuah perniagaan untuk berusaha bersungguh-sungguh untuk mendapat keuntungan
dengan syarat tidak mengabaikan kepentingan masyarakat serta tidak melakukan
aktiviti yang bercanggah dalam proses pengambilan untung tersebut . Faktor untung
juga penting bagi sesebuah syarikat perniagaan untuk memastikan kelangsungan
hidupnya dalam satu jangka masa yang panjang.}{\rtlch \fcs1 \af0 \afs32 \ltrch
\fcs0 \fs32 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \f0 \lang17417
\langnp17417 \tab }{\rtlch \fcs1 \af0 \afs24 \ltrch \fcs0 \fs24 \kerning2 \rtlch
\ltrch \dbch \af2 \hich \af0 \loch \f0 \lang17417 \langnp17417 \par }\pard
\plain \qj \li0 \ri0 \sl480 \slmult1 \widctlpar \aspalpha \aspnum \adjustright
\lin0 \rin0 \itap0 \fs21 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \af0
{\rtlch \fcs1 \af0 \afs32 \ltrch \fcs0 \fs32 \kerning2 \rtlch \ltrch \dbch \af2
\hich \af0 \loch \f0 \lang17417 \langnp17417 \par }\pard \plain \qj \li0 \ri0
\sl480 \slmult1 \widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \itap0
\fs21 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1
\af0 \afs32 \ltrch \fcs0 \fs32 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0
\loch \f0 \lang17417 \langnp17417 \par }\pard \plain \qj \li0 \ri0 \sl480
\slmult1 \widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \itap0 \fs21
\kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1 \af0
\afs32 \ltrch \fcs0 \fs32 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch
\f0 \lang17417 \langnp17417 \par }\pard \plain \qj \li0 \ri0 \sl480 \slmult1
\widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \rtlch
\ltrch \dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1 \af0 \afs32 \ltrch \fcs0
\fs32 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \f0 \lang17417
\langnp17417 \par }\pard \plain \qc \li0 \ri0 \sl480 \slmult1 \widctlpar
\aspalpha \aspnum \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \rtlch \ltrch
\dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1 \af0 \afs32 \ltrch \fcs0 \fs32
\kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \f0 \lang17417 \langnp17417 }
{\rtlch \fcs1 \af0 \afs32 \ltrch \fcs0 \fs32 \kerning2 \rtlch \ltrch \dbch \af2
\hich \af0 \loch \f0 \lang17417 \langnp17417 \par }\pard \plain \qc \li0 \ri0
\sl480 \slmult1 \widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \itap0
\fs21 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1
\af0 \afs32 \ltrch \fcs0 \fs32 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0
\loch \f0 \lang17417 \langnp17417 \par }\pard \plain \qc \li0 \ri0 \sl480
\slmult1 \widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \itap0 \fs21
\kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1 \af0
\afs32 \ltrch \fcs0 \fs32 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch
\f0 \lang17417 \langnp17417 \par }\pard \plain \qc \li0 \ri0 \sl480 \slmult1
\widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \rtlch
\ltrch \dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1 \af0 \afs32 \ltrch \fcs0
\fs32 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \f0 \lang17417
\langnp17417 \par }\pard \plain \qc \li0 \ri0 \sl480 \slmult1 \widctlpar
\aspalpha \aspnum \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \rtlch \ltrch
\dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1 \af0 \afs32 \ltrch \fcs0 \fs32
\kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \f0 \lang17417 \langnp17417
\par }\pard \plain
\qc \li0 \ri0 \sl480 \slmult1 \widctlpar \aspalpha \aspnum \adjustright \lin0
\rin0 \itap0 \fs21 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \af0 {\rtlch
\fcs1 \af0 \afs32 \ltrch \fcs0 \fs32 \kerning2 \rtlch \ltrch \dbch \af2 \hich
\af0 \loch \f0 \lang17417 \langnp17417 \par }\pard \plain \qc \li0 \ri0 \sl480
\slmult1 \widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \itap0 \fs21
\kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1 \af0
\afs32 \ltrch \fcs0 \fs32 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch
\f0 \lang17417 \langnp17417 \par }\pard \plain \qj \li0 \ri0 \sl480 \slmult1
\widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \rtlch
\ltrch \dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1 \af0 \afs28 \ltrch \fcs0
\fs28 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \f0 \lang17417
\langnp17417 Konsep Bank Islam }{\rtlch \fcs1 \af0 \afs28 \ltrch \fcs0 \fs28
\kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \f0 \lang17417 \langnp17417
\par }\pard \plain \qj \li0 \ri0 \sl480 \slmult1 \widctlpar \aspalpha \aspnum
\adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0
\loch \af0 {\rtlch \fcs1 \af0 \afs24 \ltrch \fcs0 \fs24 \kerning2 \rtlch \ltrch
\dbch \af2 \hich \af0 \loch \f0 \lang17417 \langnp17417 Perbankan Islam secara
ringkas adalah sistem perbankan yang patuh undang-undang Islam iaitu undang-undang
Syariah. Tujuan utama perbankan Islam ditubuhkan adalah untuk memberi alternatif
dalam khidmat perbankan kepada umat Islam yang hanya mempunyai pilihan untuk
menggunakan perbankan Konvensional pada masa dahulu.}{\rtlch \fcs1 \af0 \afs24
\ltrch \fcs0 \fs24 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \f0
\lang17417 \langnp17417 \par }\pard \plain \qj \li0 \ri0 \sl480 \slmult1 \widctlpar
\aspalpha \aspnum \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \rtlch \ltrch
\dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1 \af0 \afs24 \ltrch \fcs0 \fs24
\kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \f0 \lang17417 \langnp17417
\tab Sistem perbankan Islam juga menjurus kepada memajukan dan eningkatkan ekonomi
dan kewangan Islam dalam arena perbankan dunia. Sistem perbankan ini mematuhi
undang-undang Syariah yang telah ditetapkan di dalam al-Quran dan Hadis, dari segi
transaksi yang dibenarkan dalam Islam iaitu fiqh muamalat.}{\rtlch \fcs1 \af0
\afs24 \ltrch \fcs0 \fs24 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch
\f0 \lang17417 \langnp17417 \par }\pard \plain \qj \li0 \ri0 \sl480 \slmult1
\widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \rtlch
\ltrch \dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1 \af0 \afs24 \ltrch \fcs0
\fs24 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \f0 \lang17417
\langnp17417 \tab Antara prinsip asas yang dipatuhi oleh perbankan Islamik iailah
tidak boleh mengenakan unsur faedah yang menjurus kepada unsur riba. Produk dan
perkhidmatan mestilah halal dan patuh Syariah serta tidak menawarkan produk dan
perkhidmatan dengan unsur-unsur Haram,Riba , Gharar, Zulm,Ikhtikar dan Maisir.}
{\rtlch \fcs1 \af0 \afs24 \ltrch \fcs0 \fs24 \kerning2 \rtlch \ltrch \dbch \af2
\hich \af0 \loch \f0 \lang17417 \langnp17417 \par }\pard \plain \qj \li0 \ri0
\sl480 \slmult1 \widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \itap0
\fs21 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1
\af0 \afs24 \ltrch \fcs0 \fs24 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0
\loch \f0 \lang17417 \langnp17417 \tab Bunga hutang atau riba adalah diharamkan
dalam agama Islam. Oleh itu perniagaan atau sistem yang patuh Syariah tidak boleh
melibatkan sebarang urusan yang berunsur riba seperti caj faedah yang jelas
menjurus kepada riba. }{\rtlch \fcs1 \af0 \afs24 \ltrch \fcs0 \fs24 \kerning2
\rtlch \ltrch \dbch \af2 \hich \af0 \loch \f0 \lang17417 \langnp17417
\par }\pard \plain \qj \li0 \ri0 \sl480 \slmult1 \widctlpar \aspalpha \aspnum
\adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0
\loch \af0 {\rtlch \fcs1 \af0 \afs24 \ltrch \fcs0 \fs24 \kerning2 \rtlch \ltrch
\dbch \af2 \hich \af0 \loch \f0 \lang17417 \langnp17417 \tab Bank Islam Malaysia
Berhad menggunakan beberapa konsep penyertaan ekuiti, atau perkongsian keuntungan
untuk produk mereka. Sebagai contoh jika anda membuka akaun simpanan, keuntungan
yang diterima daripada akaun tersebut akan dikongsi antara anda dan pihak bank dan
diberikan sebagai dividen, atau sebgai hibah (hadiah). }{\rtlch \fcs1 \af0
\afs24 \ltrch \fcs0 \fs24 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch
\f0 \lang17417 \langnp17417 \par }\pard \plain \qj \li0 \ri0 \sl480 \slmult1
\widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \rtlch
\ltrch \dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1 \af0 \afs24 \ltrch \fcs0
\fs24 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \f0 \lang17417
\langnp17417 \par }\pard \plain \qj \li0 \ri0 \sl480 \slmult1 \widctlpar
\aspalpha \aspnum \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \rtlch \ltrch
\dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1 \af0 \afs24 \ltrch \fcs0 \fs24
\kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \f0 \lang17417 \langnp17417
\par }\pard \plain \qj \li0 \ri0 \sl480 \slmult1 \widctlpar \aspalpha \aspnum
\adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0
\loch \af0 {\rtlch \fcs1 \af0 \afs24 \ltrch \fcs0 \fs24 \kerning2 \rtlch \ltrch
\dbch \af2 \hich \af0 \loch \f0 \lang17417 \langnp17417 \par }\pard \plain \qj \li0
\ri0 \sl480 \slmult1 \widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0
\itap0 \fs21 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1
\af0 \afs28 \ltrch \fcs0 \fs28 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0
\loch \f0 \lang17417 \langnp17417 Kebaikan Perbankan Islam ( Bank Islam Malaysia
Berhad) }{\rtlch \fcs1 \af0 \afs28 \ltrch \fcs0 \fs28 \kerning2 \rtlch \ltrch \dbch
\af2 \hich \af0 \loch \f0 \lang17417 \langnp17417 \par }\pard \plain \qj \li0
\ri0 \sl480 \slmult1 \widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0
\itap0 \fs21 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1
\af0 \afs24 \ltrch \fcs0 \fs24 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0
\loch \f0 \lang17417 \langnp17417 Perbankan Islam amat digalakkan dalam perbankan
kewangan terutama sekali kepada mereka yang menganut agama Islam. Meskipun setiap
orang diberikan kebebasan untuk memilih perbankan konvensional, tetapi bagi umat
Islam, adalah haram untuk memilih selain daripada kewangan Islam. }{\rtlch \fcs1
\af0 \afs24 \ltrch \fcs0 \fs24 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0
\loch \f0 \lang17417 \langnp17417 \par }\pard \plain \qj \li0 \ri0 \sl480
\slmult1 \widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \itap0 \fs21
\kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1 \af0
\afs24 \ltrch \fcs0 \fs24 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch
\f0 \lang17417 \langnp17417 \tab Antara kebaikan Bank Islam ialah pembahagian
Dividen berdasarkan keuntungan aktiviti jual beli. Keadaan ini memberikan
keuntungan yang adil dan sama rata kepada si pembeli dan si penjual. Malah, kadar
purata bagi hasil jual beli yang merujuk kepada sistem muamalah adalah berdasarkan
kepada jumlah keuntungan yang diperoleh. Penyerahan dan penyaluran dana sesuai
dengan Syariah Islam yang diawasi oleh Badan Penasihat Syariah. Keadaan ini secara
langsung tidak memberikan rasa syubhah apabila urusan jual beli berlaku apabila
mengunakan sistem perbankan Islam. Penasihat Syariah dilantik berdasarkan
pendidikan mereka dalam bidang kewangan Islam. Justeru itu semua urusan beli
dilakukan apabila diterima oleh badan penasihat Syariah.}{\rtlch \fcs1 \af0
\afs24 \ltrch \fcs0 \fs24 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch
\f0 \lang17417 \langnp17417 \par }\pard \plain \qj \li0 \ri0 \sl480 \slmult1
\widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \rtlch
\ltrch \dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1 \af0 \afs24 \ltrch \fcs0
\fs24 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \f0 \lang17417
\langnp17417 \tab Di Bank Islam hanya menjalankan aktiviti jual beli yang halal
sahaja. Sebarang aktiviti yang dilakukan melibatkan barangan halal dan diterima
syariah. Badan Penasihat Syariah akan memastikan aktiviti jual dan beli dilakukan
secara halal dan mempunyai akad.}{\rtlch \fcs1 \af0 \afs24 \ltrch \fcs0 \fs24
\kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \f0 \lang17417 \langnp17417
\par }\pard \plain \qj \li0 \ri0 \sl480 \slmult1 \widctlpar \aspalpha \aspnum
\adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0
\loch \af0 {\rtlch \fcs1 \af0 \afs24 \ltrch \fcs0 \fs24 \kerning2 \rtlch \ltrch
\dbch \af2 \hich \af0 \loch \f0 \lang17417 \langnp17417 \tab Seterusnya, penentuan
kadar purata bagi hasil jual beli dibuat pada waktu akad dengan berdasarkan pada
kemungkinan untung rugi. Ketika aktiviti jual dan beli dilakukan, penjelasan
mengenai kemungkinan untung dan rugi dilakukan untuk mengelakkan perselisihan faham
di antara dua pihak yang terlibat. Sekiranya kedua-dua pihak bersetuju untuk
menanggung kos untung dan rugi, penentuan hasil jual beli dijelaskan sebelum akad
dilakukan. Keadaan ini bagi memastikan semua pihak berpuas hati dengan urusan jual
beli tersebut. Perbankan Islam tidak akan meragukan para pelanggannya. Oleh kerana
jual beli dilakukan dengan mempunyai saksi dan segala proses dijelaskan kepada
kedua-dua pihak yang terlibat, maka sistem perbankan Islam ini tidak mempunyai
keraguan dari segi sumber keuntungan hasil jual beli tadi atau pelaburan. }
{\rtlch \fcs1 \af0 \afs24 \ltrch \fcs0 \fs24 \kerning2 \rtlch \ltrch \dbch \af2
\hich \af0 \loch \f0 \lang17417 \langnp17417 \par }\pard \plain \qj \li0 \ri0
\sl480 \slmult1 \widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \itap0 \fs21
\kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1 \af0 \afs24
\ltrch \fcs0 \fs24 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \f0
\lang17417 \langnp17417 \tab }{\rtlch \fcs1 \af0 \afs24 \ltrch \fcs0 \fs24
\kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \f0 \lang17417 \langnp17417
\par }\pard \plain \qj \li0 \ri0 \sl480 \slmult1 \widctlpar \aspalpha \aspnum
\adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0
\loch \af0 {\rtlch \fcs1 \af0 \afs24 \ltrch \fcs0 \fs24 \kerning2 \rtlch \ltrch
\dbch \af2 \hich \af0 \loch \f0 \lang17417 \langnp17417 \par }\pard \plain \qj \li0
\ri0 \sl480 \slmult1 \widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0
\itap0 \fs21 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1
\af0 \afs24 \ltrch \fcs0 \fs24 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0
\loch \f0 \lang17417 \langnp17417 \par }\pard \plain \qj \li0 \ri0 \sl480
\slmult1 \widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \itap0 \fs21
\kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1 \af0
\afs24 \ltrch \fcs0 \fs24 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch
\f0 \lang17417 \langnp17417 \par }\pard \plain \qj \li0 \ri0 \sl480 \slmult1
\widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \rtlch
\ltrch \dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1 \af0 \afs24 \ltrch \fcs0
\fs24 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \f0 \lang17417
\langnp17417 \par }\pard \plain \qj \li0 \ri0 \sl480 \slmult1 \widctlpar
\aspalpha \aspnum \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \rtlch \ltrch
\dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1 \af0 \afs24 \ltrch \fcs0 \fs24
\kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \f0 \lang17417 \langnp17417
\par }\pard \plain \qj \li0 \ri0 \sl480 \slmult1 \widctlpar \aspalpha \aspnum
\adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0
\loch \af0 {\rtlch \fcs1 \af0 \afs24 \ltrch \fcs0 \fs24 \kerning2 \rtlch \ltrch
\dbch \af2 \hich \af0 \loch \f0 \lang17417 \langnp17417 \par }\pard \plain \qj \li0
\ri0 \sl480 \slmult1 \widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0
\itap0 \fs21 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1
\af0 \afs24 \ltrch \fcs0 \fs24 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0
\loch \f0 \lang17417 \langnp17417 \par }\pard \plain \qj \li0 \ri0 \sl480
\slmult1 \widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \itap0 \fs21
\kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1 \af0
\afs24 \ltrch \fcs0 \fs24 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch
\f0 \lang17417 \langnp17417 \par }\pard \plain \qj \li0 \ri0 \sl480 \slmult1
\widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \rtlch
\ltrch \dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1 \af0 \afs24 \ltrch \fcs0
\fs24 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \f0 \lang17417
\langnp17417 \par }\pard \plain \qj \li0 \ri0 \sl480 \slmult1 \widctlpar
\aspalpha \aspnum \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \rtlch \ltrch
\dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1 \af0 \afs24 \ltrch \fcs0 \fs24
\kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \f0 \lang17417 \langnp17417
\par }\pard \plain \qj \li0 \ri0 \sl480 \slmult1 \widctlpar \aspalpha \aspnum
\adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0
\loch \af0 {\rtlch \fcs1 \af0 \afs24 \ltrch \fcs0 \fs24 \kerning2 \rtlch \ltrch
\dbch \af2 \hich \af0 \loch \f0 \lang17417 \langnp17417 \par }\pard \plain \qj \li0
\ri0 \sl480 \slmult1 \widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0
\itap0 \fs21 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1
\af0 \afs24 \ltrch \fcs0 \fs24 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0
\loch \f0 \lang17417 \langnp17417 \par }\pard \plain \qj \li0 \ri0 \sl480
\slmult1 \widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \itap0 \fs21
\kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1 \af0
\afs24 \ltrch \fcs0 \fs24 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch
\f0 \lang17417 \langnp17417 \par }\pard \plain \qj \li0 \ri0 \sl480 \slmult1
\widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \rtlch
\ltrch \dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1 \af0 \afs24 \ltrch \fcs0
\fs24 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \f0 \lang17417
\langnp17417 \par }\pard \plain \qj \li0 \ri0 \sl480 \slmult1 \widctlpar
\aspalpha \aspnum \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \rtlch \ltrch
\dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1 \af0 \afs24 \ltrch \fcs0 \fs24
\kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \f0 \lang17417 \langnp17417
\par }\pard \plain \qj \li0 \ri0 \sl480 \slmult1 \widctlpar \aspalpha \aspnum
\adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0
\loch \af0 {\rtlch \fcs1 \af0 \afs28 \ltrch \fcs0 \fs28 \kerning2 \rtlch \ltrch
\dbch \af2 \hich \af0 \loch \f0 \lang17417 \langnp17417 \par }\pard \plain \qj \li0
\ri0 \sl480 \slmult1 \widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0
\itap0 \fs21 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1
\af0 \afs28 \ltrch \fcs0 \fs28 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0
\loch \f0 \lang17417 \langnp17417 Kaedah pengurusan yang diguna pakai oleh Bank
Islam Malaysia Berhad}{\rtlch \fcs1 \af0 \afs28 \ltrch \fcs0 \fs28 \kerning2 \rtlch
\ltrch \dbch \af2 \hich \af0 \loch \f0 \lang17417 \langnp17417 \par }\pard
\plain \qj \li0 \ri0 \sl480 \slmult1 \widctlpar \aspalpha \aspnum \adjustright
\lin0 \rin0 \itap0 \fs21 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \af0
{\rtlch \fcs1 \af0 \afs24 \ltrch \fcs0 \fs24 \kerning2 \rtlch \ltrch \dbch \af2
\hich \af0 \loch \f0 \lang17417 \langnp17417 Boleh dikatakan setiap sektor awam
terlibat dengan 5S ini. Begitu juga dengan institusi perbankan Islam Bank Islam
Malaysia Berhad ( BIMB) mengamalkan 5S ini. 5S ini merupakan alat pengurusan
persekitaran berkualiti yang dipelopori oleh Jepun dengan penumpuan kepada lima
langkah tindakan pelaksanaan yang bermula dengan huruf awalan 5S yang bermatlmatkan
pengurusan amalan kebersihan yang bersistematik. Seiri,Seiton,Seiso,Seiketsu dan
Shitsuke adalah perkataan jepun yang diringkaskan menjadi 5S. Dalam Bahasa Melayu
memberi maksud Sisih, Susun, Sapu,Seragam dan Sentiasa Amal.}{\rtlch \fcs1 \af0
\afs24 \ltrch \fcs0 \fs24 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch
\f0 \lang17417 \langnp17417 \par }\pard \plain \qj \li0 \ri0 \sl480 \slmult1
\widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \rtlch
\ltrch \dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1 \af0 \afs24 \ltrch \fcs0
\fs24 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \f0 \lang17417
\langnp17417 \tab Sistem Perbankan Islam merujuk kepada satu rangka kerja institusi
kewangan yang dijalankan berlandaskan prinsip Syariah bagi merealisasikan keadilan
dalam pengagihan kekayaan dan juga pendapatan. Sejak dahulu lagi umat islam di
seluruh dunia dan juga di Malaysia khasnya berhasrat untuk melihat tertegaknya
sistem perbankan islam dalam dunia perbankan kewangan negara. Umat Islam telah
mengamalkan beberapa transaksi yang bebas daripada amalan bunga seperti amalan jual
janji. Ia diamalkan kerana mereka tidak mahu terlibat dengan pembiayaan pinjaman
yang berasaskan bunga dan juga riba. }{\rtlch \fcs1 \af0 \afs24 \ltrch \fcs0
\fs24 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \f0 \lang17417
\langnp17417 \par }\pard \plain \qj \li0 \ri0 \sl480 \slmult1 \widctlpar
\aspalpha \aspnum \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \rtlch \ltrch
\dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1 \af0 \afs24 \ltrch \fcs0 \fs24
\kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \f0 \lang17417 \langnp17417
\tab Kaedah pengurusan bank islam mengunakan kaedah transaksi Islam dalam Fiqh al-
Muamalat supaya aktivitinya sentiasa bertepatan dengan prinsip Syariah. Pengurusan
harta adalah berdasarkan pelaksanaan Amanah. Bank Islam berpegang bahawa Pengurusan
harta kewangan yang baik akan mendapat balasan yang baik sementara pengurusan harta
yang bertentangan dengan Syariah akan dibalas dengan azab. }{\rtlch \fcs1 \af0
\afs24 \ltrch \fcs0 \fs24 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch
\f0 \lang17417 \langnp17417 \par }\pard \plain \qj \li0 \ri0 \sl480 \slmult1
\widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \rtlch
\ltrch \dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1 \af0 \afs24 \ltrch \fcs0
\fs24 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \f0 \lang17417
\langnp17417 \tab }{\rtlch \fcs1 \af0 \afs24 \ltrch \fcs0 \fs24 \kerning2 \rtlch
\ltrch \dbch \af2 \hich \af0 \loch \f0 \lang17417 \langnp17417 \par }\pard
\plain \qj \li0 \ri0 \sl480 \slmult1 \widctlpar \aspalpha \aspnum \adjustright
\lin0 \rin0 \itap0 \fs21 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \af0
{\rtlch \fcs1 \af0 \afs28 \ltrch \fcs0 \fs28 \kerning2 \rtlch \ltrch \dbch \af2
\hich \af0 \loch \f0 \lang17417 \langnp17417 Adakah Pengurusan Institusi Bank Islam
Malaysia Berhad selari dengan Tasawwur dan Epistemologi }{\rtlch \fcs1 \af0
\afs28 \ltrch \fcs0 \fs28 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch
\f0 \lang17417 \langnp17417 \par }\pard \plain \qj \li0 \ri0 \sl480 \slmult1
\widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \rtlch
\ltrch \dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1 \af0 \afs24 \ltrch \fcs0
\fs24 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \f0 \lang17417
\langnp17417 Sesungguhnya ajaran Islam melalui kitab al-Quran sebenarnya sangat
mengutamakan urus tadbir dalam sesebuah organisasi secara berkualiti dan terbaik
sama ada dalam aspek pengeluaran produk ataupun memberi perkhidmatan agar dapat
menyumbangkan manfaat
secara sepenuhnya kepada semua pihak. Islam sangat menuntut umatnya agar berkerja
bersungguh-sungguh melalui niat atau matlamat yang betul bagi mendapatkan keredhaan
Allah s.w.t. }{\rtlch \fcs1 \af0 \afs24 \ltrch \fcs0 \fs24 \kerning2 \rtlch
\ltrch \dbch \af2 \hich \af0 \loch \f0 \lang17417 \langnp17417 \par }\pard
\plain \qj \li0 \ri0 \sl480 \slmult1 \widctlpar \aspalpha \aspnum \adjustright
\lin0 \rin0 \itap0 \fs21 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \af0
{\rtlch \fcs1 \af0 \afs24 \ltrch \fcs0 \fs24 \kerning2 \rtlch \ltrch \dbch \af2
\hich \af0 \loch \f0 \lang17417 \langnp17417 \tab Pengurusan institusi Bank Islam
berpegang kepada prinsip pengurusan Syura. Pengurusan Syura sangat disarankan
mlalui al-Quran dan Sunnah Rasulullah s.a.w . Kalimah Syura lahir dari perkataan
al-Istisyarah yang bermaksud satu perundingan atau bermesyuarat atau kerja
sepasukan untuk mencari penyelesaian terhadap sesuatu masalah dan memutuskannya
apabila telah mengetahui jalan atau cara penyelesaiannya. }{\rtlch \fcs1 \af0
\afs24 \ltrch \fcs0 \fs24 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch
\f0 \lang17417 \langnp17417 \par }\pard \plain \qj \li0 \ri0 \sl480 \slmult1
\widctlpar \aspalpha \aspnum \adjustright \lin0 \rin0 \itap0 \fs21 \kerning2 \rtlch
\ltrch \dbch \af2 \hich \af0 \loch \af0 {\rtlch \fcs1 \af0 \afs24 \ltrch \fcs0
\fs24 \kerning2 \rtlch \ltrch \dbch \af2 \hich \af0 \loch \f0 \lang17417
\langnp17417 \par }}