Evolusi

1. BI = kemudahan + perkhidmatan berdasarkan hukam syariah

2. 1st I.K = Lembaga Tabung Haji (1969) – simpan beransur2 to go haji & libat akt. Scr halal
3. Keinginan. Kongress Ekon. Bumiputera (1980) lulus usul for LTH – simpan & labur (halal +
menguntungkan)
4. Mac 1981 (seminar ukm) – lulus resolosi minta Krjaan gubal udg2 berdasarkan prinsip Islam
5. July 1981, Krjaan lantik Jawatankuasa Pemandu Kebangsaan Bank Islam to tubuh Bank Islam
6. A year later, JPK cadang rangka kerja asas to tubuh bank berasaskan fiqh muamalat = prinsip
syriah + haramkan riba
7. 1983, Krjaan lulus Akta Bank Islam 1983 & tubuh Bank Islam M’sia Bumiputera (Skim
Perbankan Tanpa Faedah)
8. BIMB diawasi by Central Bank of M’sia. Due to high demands in produk islam, CBM wanted
to wujudakan sis. Kewangan islam = sis. Kewangan konvensional. 3 element: 1. Lots of
institusi terlibat, 2. lots of instrument & 3. Islamic inter-bank market (link for 1 & 2)
9. 1993, I.K konvensional allowed to tawar perkhidmatan perbankan islam under SPTF aka
Islamic Window = using instrument selaras dgn syariah
10. 1994, CBM introduced Islamic inter-Bank Money Market – mudahkan B.I dgn B yg involved in
SPTF.
11. Akta Bank Islam x Islamic Window so use Akta Institusi Perbankan dan Kewangan 1989 (used
by konvensional bank)
12. 1998, SPTF (Islamic window) tukar = Skim Perbankan Islam
13. 1999, 2nd Bank Islam = Bank Muamalat M’sia Bhd
14. 2004, CBM allowed B.I Asing to operasi in M’sia = tingkatkan prestasi perbankab Islam as
keseluruhan.
15. Islamic Window digalakkan to tubuh as Islamic subsidiary = bank islam sepenuhnya

1. BI = kemudahan + perkhidmatan berdasarkan hukum syariah

2. 1st instutisi kewangan islam = Lembaga Tabung Haji (1969) – simpan beransur2 & libat akt scr
halal
3. Keinginan. Kongress Ekon. Bumiputera (1980), lulus usul for LTH = prinsip islam
4. Mac 1981 (seminar UKm), lulus resolusi minta krjaan ambil tindakan segera to gubal udg2 to
tubuh bank & inistitusi kewangan ikut prinsip syriah
5. July 1981, Krjaan lantik Jawatankuasa Pemandu Kebangsaan Bank Islam to tubuh Bank Islam
6. 1982, JPK cadang rangka kerja asas to tubuh BI berasakan fiqh muamalat = prinsip syriah +
haramkan riba
7. 1983, krjaan lulus Akta Bank Islam 1983 & tubuh Bank Islam M’sia Bhd (SPTF)
8. BIMB diawasi by Central Bank of M’sia. Due to high demands on produk islam, CBM ingin
wujud sis. Kewangan islam = sis kewangan konvensional. 3 element : 1, lots of institusi
terlibat, 2. Lots of instrument and 3. Islamic Inter-Bank Market (link for 1&2)
9. 1993, Istitusi kewangan konvensional allowed to tawar perkhidmatan islam under SPTF aka
Islamic Window by using only instrument selaras dgn syariah
10. 1994, CBM introduced Islamic Inter-Bank Money Market to mudahkan BI dgn B yg involved
in SPTF
11. ABI x Islamic window so use Akta Institusi Perkhidmtan dan Kewangan 1989 (used by
konvesional bank)
12. 1998, SPTF tukar jadi Skim Perbankan Islam
13. 1999, tubuh Bank Muamalat M’sia Bhd
14. 2004, CBM allows BI asing to operate here to tingkatan perstasi Perbankan Islam secara
keseluruhan
15. Islamic window digalakan to tubuh as Islamic subsidiary to be viewed as BI sepenuhnya.