KONSEP FEE BASED SERVICES DALAM PERBANKAN SYARIAH - Cahyani, Yutisa Tri (El-Barka: Journal of Islamic Economics and Business, 2018)
Abstract:This article analyzes the concept of fee based services in Islamic banks. Islamic banks are financial institutions that provide various forms of transactions, one of which is to provide various types of transactions in the field of service or fee based service. This service service consists of various kinds of service products according to the type of contract. In terms of service, banks obtain revenue in the form of fee-based income service. Fee based income comes from costs intended to facilitate the implementation of transactions or financing. This service facility is provided to customers and non-bank customers. In this writing using a type of descriptive qualitative research. The limitations in this writing are focused on the concept of income of Islamic banks in the form of fee-based income service. Fee based income comes from administrative costs that come from transactions in transfer, collection, clearing, bank guarantees, letters of credit, and other payment services. These contracts in the concept of fee based income services include Al Wakalah, Al-Kafalah, Al-Hawalah, Ar-Rahn, and Qardh.  ??????: ?????? ????????? ?? ?????? ????? ???? ??????? ?????? ?? ???????? ? ????? ?? ???? ???????, ????? ??????? ???? ?????? ?????? ????????? ?? ????? ?????? ?? ?????? ??????? ???? ?????? ?? ??? ??????? ?? ??? ??? ?????? ???? ????? ???????? ?????? ??? ??????. ???? ????? ??? ???? ?????? ?? ???????? ???? ???? ??? ????? ????? ????????? ?? ???????? ???? ??????? ????????? ??????? ??????? ??????? ?? ??? ???????. ???? ????? ??????? (????? ??????? ??? ??????) ?? ??????? ???????? ????????? ??????? ???????? ???????? ??????? ??????. Abstrak:Artikel ini menganalisis tentang konsep fee based services dalam bank syariah. Bank syariah merupakan lembaga keuangan yang menyediakan berbagai macam bentuk transaksi, salah satunya ialah menyediakan berbagai macam transaksi dibidang pelayanan jasa atau fee based service. Pelayanan jasa ini terdiri dari berbagai macam produk layanan sesuai dengan jenis akadnya. Dalam hal pelayanan jasa, bank memperoleh pendapatan yang berupa fee based income service. Fee based income berasal dari biaya-biaya yang ditujukan untuk mempermudah pelaksanaan transaksi ataupun pembiayaan. Fasilitas pelayanan jasa ini diberikan kepada nasabah maupun bukan nasabah bank tersebut. Dalam penulisan ini menggunakan jenis penelitian kualitatif deskriptif. Batasan dalam penulisan ini difokuskan pada konsep pendapatan bank syariah dalam bentuk fee based income service. Fee based income berasal dari biaya-biaya administrasi yang berasal dari transaksi jasa transfer,  inkaso,  kliring, bank garansi, letter of credit, dan jasa pembayaran lainnya.Akad dalam konsep fee based income services ini diantaranya adalah Al-Wakalah, Al-Kafalah, Al-Hawalah, Ar-Rahn, dan Qardh.