Sharia Banks and Conventional Banks in Historical Perspective and
Communication of Community Culture
Junardi Harahap
1
and Rita Destiwati
2
1
Department of Anthropology, Padjadjaran University, Indonesia
2
Faculty of Communication and Business, Telkom University, Indonesia
Keywords: Culture, communication, bank, sharia and historical.
Abstract: The wrong view sometimes surrounds the public that the sharia bank and conventional bank are the same, if
the sharia bank uses the profit share while the conventional bank of interest is the same thing. This sometimes
includes some Islamic societies that need to be addressed rather than wrong view, and of course this also
makes the image of Islamic banks are not good, but the wrong is the view and also the science that has not
been so qualified in the community. So what is needed is to look at this as part of a science assembly that
needs to be improved so that people's views become good and right. Of course, the other thing that needs to
be developed is about intense communication to understand to the Islamic community that it is different
between Islamic banks and conventional banks. The essence of this article is to look at the views of the
community regarding the views of the community on Sariah banks as well as conventional banks, judging
from the data derived from qualitative data. The results and expectations of this article provide a true
understanding to the community through culture and good communication so that Muslims are aware of the
importance of saving in Islamic banks to obtain various goodness and blessings.
1 INTRODUCTION
The Sharia Bank has given its own color and plays an
important role in a vibrant Muslim society in
understanding the rules that are important in
accordance with existing Islamic teachings in
accordance with the existing aspects. Which brings
about a major change in the society's society-based
society and cultural norms that exist in accordance
with the rules that connect the existing conditions in
the existing society. The principle that exists in the
society in accordance with the rules that are owned by
the community that brings the community to be better
in accordance with the existing aspects of society that
exist in conditions owned by the community.
Society becomes an important part in the
formation of existing community life in accordance
with the existing aspects of society that exist in the
journey of existing society. In accordance with the
existing philosophy in society makes the storage of
money that has become part of the community in the
cultural community and the existing community
context in accordance with existing needs. In
accordance with the philosophy of living and
developing in existing society according to the
communication required by the existing community
in accordance with the existing society according to
existing conditions. Once existing in accordance with
the existing aspects of society in accordance with the
existing aspects. In accordance with the wishes made
by using an important part in the community.
2 METHOD
The method used is with qualitative research that
became the main part in searching existing data.
Efforts are made in accordance with aspects that are
done with the inside of existing communities.
Experience and observation became a key element in
this research and became a major part of the
community.
3 LITERATURE REVIEW
Pervez (1990: 260), an approach that is used as part
of a society that makes the religious part a major part
of Islamic society that can bring influence to the
Harahap, J. and Destiwati, R.
Sharia Banks and Conventional Banks in Historical Perspective and Communication of Community Culture.
In Proceedings of the 1st International Conference on Islamic Economics, Business, and Philanthropy (ICIEBP 2017) - Transforming Islamic Economy and Societies, pages 219-221
ISBN: 978-989-758-315-5
Copyright © 2018 by SCITEPRESS – Science and Technology Publications, Lda. All rights reserved
219

culture of Islamic culture. Mushtaq & Siddiqui (2017:
2) deals with sharia banks of concern and interest in a
society that leads to societies that exist in a better
society in accordance with Islamic principles.
Bougatef (2015: 283), an approach used that derives
from the rules and teachings of Islam that lead to
civilized society in accordance with the norms of
religion underlying it. Zuhroh, Ismail & Maskie
(2015: 1130) brought the bank industry into an
industry in Islamic banking that brought the Islamic
bank into a calculated bank in society.
4 RESULTS AND DISCUSSION
Conventional banks are a part of society that leads to
change from society and has become a culture since
the first to get existing society in accordance with
existing culture in society as it exists. How to make
people who have various aspects that exist according
to bring life. In accordance with the existing rules
then the existing processes in the community in
accordance with existing conditions in existing
communities. Muslim society has a good perception
also with the existing rules in society that exist in
accordance with the rules of society that bring
conditions that exist in accordance with existing rules
in existing society. Of course, also the belief that is
expected in accordance with aspects in accordance
with existing aspects in accordance with the desired
aspect of existing society. Once things are done with
the various lives that become objects in research that
exist in society that bring the community that
becomes the reference in society that bring changes
to the existing society. Other conditions of society
also provide input in understanding the various
conditions that exist in society that exist in society.
To be able to bring to the people that exist in the
change of society that underlies the life of the existing
community. In accordance with existing conditions in
existing society must pay attention to all aspects that
are done well and in accordance with existing rules.
For Sharia banks is an obligation that must be run by
the Islamic community as a guide in their lives and
daily obligations that would bring the community into
a cultured society and in accordance with the rules of
Islamic society that will certainly bring changes to the
community of a better nation to a society that exist in
existing society. So that economy and communication
in sharia banks need to be developed into a civilized
society in the realm of Islamic life that exists.
Sharia Bank is actually a sustainable concept
based on religion as its underlying foundation. This is
an essential foundation in the community using sharia
banks to be a benchmark in it. Of course this brings
the development of sharia banks so tight in good
development although there are things that need to be
communicated well. Conventional banks are
becoming a global phenomenon that exists within
society and already have a clear market share. So that
conventional banks become banks that have their own
market share. Islamic banks have very good
conditions and very significant in its development.
But the problem is a poor understanding of the eye
that says that interest and profit sharing are the same.
This is the problem that needs to be solved for the
solution of this communication problem well.
Conditions that need to be done is as delivered by
the community by making good communication in
the community about the differences that exist
between conventional banks with sharia banks which
of course this has become a condition that
understands the things that are delivered about the
difference between Islamic banks and conventional
banks. Conventional banks in the language used have
a foundation that in the perspective of Islamic banks
is not allowed therefore the public must know for sure
use and realize the significant difference from the
problem.
So that brings to the communication that must be
good in understanding the banking within the existing
culture that is in accordance with the culture in
existing communications in the existing community.
The existing culture of communication brings society
into a society that must restrain the meaning of
society's perspective on Islamic banking that is free
from issues that are not in accordance with Islam
meaning that in Islamic banking in accordance with
sharia is different from conventional banking. Sharia
banks are different from conventional banks this
needs to be understood by the community and should
be done by providing a correct understanding of this.
The fundamental difference that must be understood
is an integral part. Sharia banks have their own views
that must be understood by the society of the
differences that exist in accordance with the
conditions of existing society.
The people in the sharia-based approach make
their society civilized by the religious philosophy that
surrounds them rather than the religions that become
the reference in the various life that surrounds them
than the society so as to give peace to those who carry
out the practice based on that religion. This is
noteworthy to the civilized and orderly society based
on the existing religious philosophy. Which brings to
the correct understanding of the existing sharia bank.
Society sometimes understands the bank in
accordance with the perspective it has on the thing to
ICIEBP 2017 - 1st International Conference on Islamic Economics, Business and Philanthropy
220

be understood that Islamic banks have the rules in
accordance with the direction and clear references in
the rules that are not just any. And can not be
understood to be understood with a view that
corresponds to a view that brings different views.
This view must be decided with clear arguments in
accordance with the correct view and can not be
arbitrary in understanding this so that it needs a clear
communication and in accordance with the existing
developments in the existing society. So it brings to
good impact in understanding the community about
sharia banking. In accordance with the rules and
results that bring a true understanding of Islamic
banking in accordance with the expected by the
community and also the understanding that brought
change that brings good conditions in accordance
with the existing arguments in accordance with clear
direction.
5 CONCLUSION
The conclusion that can be shown in this paper is a
good communication that must be considered in the
existing community. And in accordance with the
existing aspects that Islamic banks should be made by
developing culture and Sharia in the context of
existing culture. In accordance with the aspect desired
by the existing community. Islamic society must
make culture an integral part of existing Islamic
society in accordance with existing society.
Conclusions that can be used as a benchmark in
existing society. In accordance with the existing
community in accordance with existing conditions in
accordance with existing existing by the existing
community. Communication is needed in existing
societies in accordance with existing societies
bringing to the culture of society.
REFERENCES
Bougatef, K. 2015. The impact of corruption on the
soundness of Islamic banks. Borsa Istanbul Review,
Volume 15, Issue 4, December 2015, Pages 283-295.
Mushtaq, S., Siddiqui, D. A. 2017. Effect of interest rate on
bank deposits: Evidences from Islamic and non-Islamic
economies. Future Business Journal, Volume 3, Issue
1, June 2017, Pages 1-8.
Pervez, I.A. 1990. Islamic Finance. Source: Arab Law
Quarterly, Vol. 5, No. 4 (Nov., 1990), pp. 259-281.
Published by: Brill. Stable URL:
http://www.jstor.org/stable/3381929.
Zuhroh, I., Ismail. M., Maskie, G. 2015. Cost Efficiency of
Islamic Banks in Indonesia – A Stochastic Frontier
Analysis. Procedia - Social and Behavioral Sciences,
Volume 211, 25 November 2015, Pages 1122-1131.
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