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Wednesday, 19 August 2009

Current or saving


Put some money on the bank and keep it for some time, you can withdraw or add some fund on it, but what type of your account is?. Bank system make different type of account in old system is saving, then current, deposit, fix deposit ETC.

The basic philosophy of put money in the bank before is like your home saving, store and put in the place which is save from any body, but it is save store and pile in the house?. it is promoted like that before, so established a new institution for storing and stock piling a fund with save guarantee. But the story become different when some account holder (huge quantity) wants to withdraw the money at the same time, money is no enough, then what happen with my money?. Yes the bank using our money to give loan to some body, and as appreciated of it the bank give the profit of the loan then they called interest. So now publicity saving account is always related with interest. This is also applied for every type of saving likes : deposit, fix deposit for examples. But the big different with the current account. current account no interest on it because is like pure saving (old type) philosophy. but again some people will ask then what is benefit on keep some money on the current account since our money always using by bank for loan. So that's why the bank used another way to appreciated the current account holder. Bank will give you the bank fixture are not given to saving account holder and usually it is free of charges. So basically bank is always benefiting from running on the bank business and user got what they need saving money with save condition (not to worry lost their fund) and received the benefit from bank.
the Islamic bank system (sukuk) the main type is current account even have name deposit, saving and what ever became to basic philosophy of saving money ( store some money daily basis so monthly will got residual monthly saving). And regarding money on the bank, bank will using the money to do some business (not loan) even the technique almost same with loan, but different. The person want to borrow the money for some things, then bank will negotiated (trader negotiation) even bargain for some things they wanted or what they use for so the chance for bargain (trading type) widely open for installment/ paying type. The borrower will not carrying the money but the bank side will negotiated with the trader for you. So the bank will buy for you instead of you carrying the huge money to buy it. With this kind of system the institution will have very big opportunities for gain a lot capital as saving in the bank and the same time gaining profit from business and no excess expenditure due to no interest enforcement for the account holder. So how to survive bank is always using our capital for their business and as obligatory the bank will give you as like share holder benefit with the name like bonus but not interest.

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9 comments:

asep canda said...

nice post friend good job...!!!

NURA said...

salam sobat
blognya keren mba,,pakai bahasa INGGRIS.
siip mba.

selamat puasa bentar lagi,,maaf lahir dan batin ya,,,

poer said...

i'm sorry my english is not properly, but i know the articel point . thanks for U.

Phonevaganza said...

I like your post.. very useful..

NURA said...

salam sobat
berkunjung kesini lagi..

ada AWARD sederhana untuk mba ADE,,,mohon diterima ya,,,di blog NURANURANIKU..trims.

rental mobil said...

info yg bagus kawan
salam kenal buat semuanya
jgn lupa sobat kunjyngan baliknya dan pasang link

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