BUPATI BANDUNG

WEST JAVA PROVINCE

COUNTY REGULATION BANDUNG

NUMBER 17 IN 2014

ABOUT

THE ESTABLISHMENT OF A LIMITED LIABILITY BANK OF SHARIA PEOPLE FINANCING BANKS

WITH THE GRACE OF ALMIGHTY GOD ESA

BUPATI BANDUNG,

Draws: a. that in order to increase growth

the region's economy and investment development in order to improve the economy of the people and the Regional Original Revenue (PAD), need to establish a Limited Perseroan Bank of the People's Financing of Shari'a;

b. that the public needs of sharia banking services is increasing mainly to improve the service of sharia banking services to the medium, small and micro enterprises optimally, through the Establishment of the Sharia Financing Bank;

c. that under the provisions of Article 9 paragraph (2) of Law Number 21 of the Year 2008 on Regional Government Sharia Banking can establish a sharia citizen financing bank;

d. that based on consideration as intended in the letter a, the letter b, and the letter c then need to establish the Regional Regulation on the Establishment of the Limited Perseroan Bank of Sharia Financing.

Given: 1. Article 18 of the paragraph (6) of the Basic Law

Republic of Indonesia in 1945;

2. Law No. 14 of the 1950s on the Establishment of the County of the Regency in the Environment of West Java (State News of 1950) as amended by Law No. 4 of 1968 on the establishment of Purwakarta Regency and Subang County by Changing Invite-Invite Number 14 Year 1950 on the Establishment of Regency Districts in the Environment of West Java Propinsi (Indonesian Republic of Indonesia Year 1968 Number 31, Additional Gazette of the Republic of Indonesia Number of Indonesia) 2851);

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3. Law No. 5 Year 1962 on

Regional Companies (Republic of Indonesia States of 1962 Number 10, Additional Gazette Republic of Indonesia Number 2387) jo Act Number 6 Year 1969 on Statements did not expire Various Invite-Invite and Government Regulation Substitute Legislation (sheet Of State Of The Republic Of Indonesia 1969 Number 37, Additional Gazette Republic Indonesia Number 2901)

4. Law No. 7 of 1992 on

Banking (State of the Republic of Indonesia 1992 No. 31, Additional Gazette of the Republic of Indonesia No. 3472) as amended by Law No. 10 of the Year 1998 on Changes To The Law Number 7 Of 1992 On Banking (sheet Of State Of The Republic Of Indonesia In 1998 Number 182, Additional Sheet Of State Of Republic Indonesia Number 3790)

5. Law No. 23 of 1999 on

Bank Indonesia (State of the Republic of Indonesia 1999 No. 66, Additional Gazette of the Republic of Indonesia Number 3843) as amended several times last by Act Number 6 Years 2009 on Establishing Government Regulation Replacement Rule Number 2 Year 2008 on Second Changes to the Law No. 23 Year 1999 on Bank Indonesia into Act (State Gazette of the Republic of Indonesia Year 2009 Number 7, Additional Gazette Republic of Indonesia Number 4962);

6. Law No. 17 of 2003 on

State Finance (Indonesian Republic of Indonesia Year 2003 Number 47, Additional Gazette Republic of Indonesia Number 4286)

7. Law No. 1 of 2004 on

The State Treasury (State Gazette 2004 No. 5, Additional Gazette Republic of Indonesia Number 4355);

8. Law No. 15 Year 2004 on

Examination of Management And Responsibilities Of State Finances (State Sheet Of Indonesia 2004 Number 66, Additional Gazette Of The Republic Of Indonesia Number 4400);

9. Law No. 24 of 2004 on

Institution of Savings (Sheet State Republic Indonesia 2004 No. 96, Additional Gazette Republic of Indonesia Number 4420) as amended by Government Regulation. Law Number 3 Year 2008 on Change of Law No. 24 Year 2004 on Savings Institution (sheet State of the Republic of Indonesia 2008 No. 143, Additional Gazette of the Republic of Indonesia Number 4902);

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10. Law No. 32 Year 2004 on

Local Government (Indonesian Republic of 2004 Number 125, Additional Gazette Republic of Indonesia No. 4437) as amended in the last few times by the Act of 2004. Number 12 In 2008 On The Second Change Of The Law Number 32 Of 2004 On Local Government (sheet Of State Of The Republic Of Indonesia 2008 Number 59, Additional Gazette Of The Republic Of Indonesia Number 4844);

11. Law No. 33 of 2004 on

The Financial Balance between the Central Government and the Local Government (State Gazette Indonesia Year 2004 Number 126, Additional Gazette of the Republic of Indonesia Number 4438);

12. Law Number 40 Year 2007 concerning

Limited Perseroan (Gazette Of State Of The Republic Of Indonesia Year 2007 Number 106, Additional Gazette Republic Of Indonesia Number 4756);

13. Law No. 21 of 2008 on

Banking of the Republic of Indonesia 2008 Number 94, Additional Gazette of the Republic of Indonesia Number 4867);

14. Law No. 12 Year 2011 on

The Establishment of the Laws of the Republic of Indonesia in 2011 number 82, the addition of the Republic of Indonesia States Number 5234);

15. The Republic of Indonesia Law No. 23

In 2011 On Management Zakat (sheet Of State Of The Republic Of Indonesia In 2011 Number 115, Additional Gazette Republic Of Indonesia Number 5255);

16. Government Regulation Of The Republic Of Indonesia Number

72 Years 1992 On Bank Based On Principle For Results (Sheet State Of The Republic Of Indonesia In 1992 Number 119, Addition Of State Sheet Republic Indonesia Number 3505);

17. Government Regulation Number 58 of 2005

on the Financial Management Of The Area (sheet Of State Of The Republic Of Indonesia In 2005 Number 140, Additional Gazette Of The Republic Of Indonesia Number 4578);

18. Government Regulation Number 79 of 2005

on the Coaching And Supervision Guidelines of the Local Government (sheet of State of the Republic of Indonesia in 2005 No. 165, Additional Gazette of the Republic of Indonesia Number 4593);

19. Government Regulation No. 1 of 2008

on Government Investment (State Sheet Indonesia 2008 Number 14, Additional Gazette Republic of Indonesia Number 4812)

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20. Indonesia Bank Regulation Number 11 /23/PBI/2009

About The Bank Of People's Financing Syariah (sheet Of State Of The Republic Of Indonesia In 2009 Number 101 DPbS, Additional Gazette Of The Republic Of Indonesia Number 5027 DPbS);

21. Bandung Regency Law No. 9

2005 concerning Zakat, Infaq and Shadaqoh (Bandung County Gazette 2005 Number 3 Series C);

22. Bandung Regency Regulation No. 17

Year 2007 on the Government Affairs Kabupataen Bandung (Bandung County District Gazette 2007 Number 17);

23. Bandung Regency Regulation No. 19

Year 2007 on the Establishment of the Regional Secretariat Organization and Secretariat of the DPRD Bandung Regency (Bandung Regency Area of 2007 Number 19);

24. Bandung County District Rules Number 11

Year 2011 on Bandung Regency Regional Development Plan 2010-2015 (Bandung Regency Area 2011 Number 11) as amended with the Regional Regulation (2010). Bandung Regency Number 5 Year 2014 on Changes to the Regional Regulation Bandung No. 11 of 2011 on Bandung Regency Regional Development Plan 2010-2015 (Bandung Regency Area 2014 2014 Number 5);

25. Bandung Regency Regulation Number 12

Year 2013 on Participation and Public Information Openings in Governing Governing in Bandung Regency (Bandung Regency Area 2013 Number 12).

With Joint Approval

REPRESENTATIVES OF THE REGIONAL PEOPLE ' S BOARD OF BANDUNG COUNTY

AND

BUPATI BANDUNG

DECIDED:

SET: THE REGIONAL REGULATIONS ON THE ESTABLISHMENT

BANK LIMITED LIABILITY SHARIA PEOPLE ' S FINANCING.

BAB I

provisions of UMUM

Article 1

In this Region Regulation referred to:

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1. Area is Bandung County.

2. " Bupati is the regent of Bandung.

3. The Regional Government is the Regent and the device

the area as an element holding the local government.

4. The Regional People's Representative Council (DPRD) is the People's Representative Council (DPRD)

Region of Bandung Regency.

5. A limited liability company (PT) is a legal entity that is

a capital alliance, established under agreement, conducts business activities with a base capital entirely divided in shares

and meets The requirements specified in the law and its implementation rules.

6. Sharia Banking is everything that

concerns about the Sharia Bank and the Sharia Business Unit, covering institutional, business activities, as well as the way and processes in implementing

its business activities.

7. A bank is an enterprise that raises funds from the public in the form of its looks and channel it to the public in the form

credits and/or other forms in order to improve the life of the people.

8. The Syariah People's Bank of Financing (BPR) is a bank that carries out efforts based on the principle of sharia which in its activities does not provide

a service in its payment traffic.

9. The Sharia principle is the principle of Islamic law in banking activities based on a fatwa

issued by an institution that has the authority in the designation of a fatwa in the field of sharia.

10. "Akad wadi'ah" is an Akad of care or money between the parties who have goods or money and the party is entrusted with

the goal of keeping the safety, security, and the integrity of the goods or money.

11. "Akad mudharabah" in raising funds is the Acad of cooperation between the first party (malik, shahibul mal, or Nasabah) as the owner of the fund and the second party ('amil, mudharib, or the Syariah Bank) which acts as a fund maintainer by dividing the effort benefits according to

the deal is poured in Akad.

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12. "Akad mudharabah" in Financing is

Akad cooperation between the first party (malik, shahibul mal, or the Syariah Bank) that provides the entire capital and second party ('amil, mudharib, or Nasabah) who acts as a fund manager by dividing the business benefits in accordance with the deal poured in the Acad, while the loss

is fully borne by the Syariah Bank unless the second party makes a mistake

deliberate, negligation or mistaking the agreement.

13. "Akad musyarakah" is an Act of cooperation between the two parties or more for a particular effort which each party provides

a portion of the fund provided that the benefit will be shared according to the agreement, whereas

losses are borne in accordance with the respective portion of the funds.

14. "Akad murabahah" is an Akad financing an item by affirm its price to the buyer and the buyer paying it at a price as much as the agreed advantage.

15. "Akad greeting" is an Akad of financing a goods by way of order and price payment done in advance with

a given condition agreed.

16. "Akad istishna '" is the Akad of financing goods in the form of a specific order order

with certain criteria and requirements agreed between a reservation or buyer (mustashni ') and a seller or maker (shani').

17. "Akad qardh" is a loan-loan Akad to Nasabah provided that Nasabah is obliged to return the funds he received at the time

that has been agreed upon.

18. "Akad ijarah" is the Acad for the provision of funds in order to move the rights to or benefit from

a goods or services based on a lease, without being followed by the transfer of ownership of the goods itself.

19. "Akad ijarah muntahiya bittamlik" is an Akad providing funds in order to transfer the rights to or benefit from a goods or services based on the lease with the transfer option of the property.

20. "Akad hawalah" is a debt diversion Akad from the side owed to the other party that is required to bear or pay.

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21. The Limited Liability Bank of the People's Financing

Sharia is the next one called PT. BPR Sharia is an enterprise that performs its efforts in the

banking area by virtue of the sharia principle that is partially owned by the local government which is the property of the Regions that

is separated.

22. The base capital is the amount of capital listed in the Basic Budget of PT. BPR Syariah.

23. The capital is the amount of capital that has been paid to PT. BPR Syariah.

24. The next General Meeting of Shareholders (RUPS) is an organ of authority that is not given to the

Directors or the Board of Commissioners within the limits specified in the Regulation of this Area and/or

The Budget Base.

25. The Board of Commissioners is an organ of the company in general and/or specialized surveillance in accordance with the Basic Budget

and advice to the Board of Directors.

26. The Board of Directors is an organ of the company that is authorized and responsible for the business

The company for the benefit of the company, in accordance with the intent and purpose of Perseroan as well as representing the Perseroan, both inside and outside

the court in accordance with the Basic Budget provisions.

27. The next Board of Regents of Sharia (DPS) is a council tasked with providing advice and advice to the Board of Directors and supervising the activities of the Syariah BPR in order to conform

with the principle of sharia.

28. The employee is an employee of PT. BPR Syariah.

29. The Company ' s subsequent Work and Budget Plan (RKAP) is the plan

the annual business/work plan of PT. BPR Syariah.

BAB II

FOUNDING, NAME, AND PLACE OF POSITION

Article 2

With the Regulation of this Region established BPR Syariah under the name of PT. BPR Syariah Sabilulungan.

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Article 3

PT. BPR Sharia as referred to in Article 2 is located and headquartered in the area and may develop its efforts by forming a Branch Office or Office of the Office of the Helper and the Office of the Kas in accordance with the provisions of the invitational regulations.

Article 4

Bupati authorities process the establishment of PT. BPR Syariah as referred to in Article 2 in accordance with the provisions of the laws.

BAB III

ASAS AND PURPOSE

Article 5

PT. BPR Sharia as referred to in Article 2 in carrying out its efforts asceforth the principle of sharia, economic democracy and the principle of pruchness.

Section 6

PT. BPR Syariah as referred to in Article 2 was established with the aim of supporting the implementation of the Regional Development in order:

a. serve community groups that have not been servicing the bank sector based on the principle of sharia;

b. increasing the per-capita income of the community primarily in the countryside.; and

c. as one of the regional original revenue sources in the area for Regional development.

BAB IV

VENTURE ACTIVITIES

Article 7

To achieve the goal as referred to in Article 6, PT. BPR Syariah does business:

a. raised funds from the community in form:

1. The savings account is either a savings account or the one that is published with it based on Akad wadi'ah or any other Akad that is not contrary to the principle of sharia; and

2. The investment of deposits or savings or other forms is equed with it based on the Akad mudharabah or any other Akad that is not contrary to the principle of sharia.

b. Transferring funds to the people in the form:

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1. financing for results based on Akad

mudharabah or musyarakah;

2. financing based on Akad murabahah, salam, or istishna ';

3. financing based on Akad qardh;

4. The financing of the leasing of goods is moving or not moving to a customer based on the ijarah Akad or the purchase rent in the form of a bittamlic muntahiya diploma; and

5. debt takeover based on Akad hawalah.

c. put funds on other syariah banks in the form of a titipan based on Akad wadi'ah or an investment based on Akad mudharabah and/or other Akad that is not contrary to principle sharia;

d. move the money, both for its own sake and for the benefit of the nasabah through the Bank Financing Fund ' s existing accounts at the Sharia General Bank, and the Syariah Business Unit; and

e. provide products or conduct other Bank Syariah business activities in accordance with the principle of sharia based on the Bank of Indonesia approval.

Article 8

PT. BPR Syariah is prohibited:

a. doing business activities that are contrary to the principle of sharia;

b. receive a stash of giro and take part in payment traffic;

c. conduct business activities in foreign exchange, except for foreign currency exchange with Bank Indonesia permission;

d. conduct a perinsurance business activity, except as a sharia insurance product marketing agent;

e. conducting capital inclusion, except on agencies set up to mitigate the liquidity difficulties BPR Syariah; and

f. conduct other efforts beyond the business activities as referred to in Section 7.

BAB V

CAPITAL AND SHARES

Article 9

(1) Basic Modal PT. BPR Syariah is made up of the entire Stock Nominal.

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(2) The inclusion of the Modal is done by

The Government of Bandung Regency and Third Parties provided that the composition of the Modal setor majority is owned by the Government of Bandung Regency.

Article 10

(1) Basic Modal PT. BPR Syariah is set at

Rp. 20.000.000.00 (twenty billion rupiah).

(2) Percentage Percentage Comparison of the base Modal entitlements as referred to in paragraph (1) is specified as follows:

a. The government of Bandung has a minimum of 80% (eighty perhundred);

b. The third party is up to 20% (twenty-one hundred).

Article 11

(1) Modal disector PT. BPR Syariah is derived from

The Bandung Regency Government for the first time is set at Rp 5,000.000.00 (five

billion rupiah).

(2) The specified Modal as referred to in paragraph (1)

is a wealth of the segregable Bandung County Government and the number can be added.

(3) The addition of the amount of the capital amounts is provided

in paragraph (2) can be performed at the suggestion of RUPS and is further set forth in the Regional Regulations.

(4) The capital of the capital as referred to

paragraph (3), may be a plus of the Regional Government's capital inclusion.

(5) The capital dispute is the same as referred to in paragraph (4), implemented in accordance with the financial capabilities of the region and set with Regulation

Regions.

(6) The proposed addition of capital is tuned by PT. BPR Sharia should be attached to the company plan.

Article 12

(1) The shares are issued by PT. BPR Syariah

is a stock on behalf of.

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(2) The nominal value of the shares is set in the Budget

Basis.

(3) Each Shareholder shall be subject to all decisions that are taken lawfully by the RUPS in accordance with the provisions of the laws.

Section 13

Terms and regulations on the holder list

shares, transfer of shares, and duplicate shares are governed in its own regulations by the RUPS in accordance with the provisions of the laws.

BAB VI

RUPS

Article 14

(1) RUPS is made up of the Annual RUPS and Outer RUPS

Ordinary.

(2) Directors host Annual RUPS and outstanding RUPS.

(3) RUPS is held at least 1 (one) times in 1 (one) year.

(4) Annual RUPS is held in the most

slow 4 (four) months after The year of the book.

Syariah BPR expires.

(5) Extraordinary RUPS may be held at any time

based on needs.

(6) RUPS is led by the Principal Commissioner.

(7) In terms of the Principal Commissioners as

referred to the verse (6) cannot be present, RUPS is led by one of the Board of Commissioners.

(8) The RUPS decision is taken on top of

deliberations and mufakat as per the provisions

laws.

(9) The layout of the RUPS is set by

RUPS with the guideline on the Basic Budget.

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BAB VII

BOARD OF COMMISSIONERS, DPS, AND DIRECTORS

Section Kesatu

Board Commissioners

Article 15

(1) Member of the Board of Commissioners is at least

2 (two) persons and most 3 (three) persons.

(2) The Board of Commissioners is headed by the Principal Commissioner.

(3) The Board of Commissioners is appointed and dismissed by

RUPS of the candidate submitted shareholders.

(4) The provisions of the Procedure and the requirements, appointment, term, duties and authority as well as the dismissal of the Board of Commissioners

as referred to in paragraph (1), paragraph (2) and paragraph (3) are set forth in the Basic Budget under the provisions of the laws.

Second Quarter

DPS

Article 16

(1) The PT. BPR is required to form DPS in the central office.

(2) The DPS members as referred to in paragraph (1) are at least 2 (two) persons and at most 3 (three) persons.

(3) DPS is headed by a chairman That comes from one of the DPS members.

(4) DPS as referred to in paragraph (1) is lifted and dismissed by the RUPS on the recommendation of the Indonesian Ulama Assembly.

(5) DPS as referred to in paragraph (1) served

provide advice and advice to the board and oversee the activities of the bank in order to comply with the principles of sharia.

(6) Terms of Procedure and requirements,

appointment, tenure, duty and authority and termination of DPS as referred to in paragraph (1), paragraph (2), paragraph (3), paragraph (4), and paragraph (5)

is set in the Basic Budget as per the rules of the It's

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Third Section

Directors

Section 17

(1) The least 2 (two) people of Directors and

at most 3 (three) persons.

(2) The Directors are made up of the Principal Director and the Director.

(3) The directors are headed by the Principal Director.

(4) The directors are appointed and dismissed by the RUPS.

(5) Terms of Procedure and requirements, appointment, tenure, duty and authority

as well as the termination of the Board of Directors as referred to in paragraph (1), paragraph (2), paragraph (3) and paragraph (4) are set in the Basic Budget. provisions

laws.

BAB VIII

WORKFORCE

Article 18

(1) Staffers PT. BPR Syariah is governed under the terms of the principal of the staff of PT. BPR Sharia

as per the provisions of the laws.

(2) The principal provisions of the workforce as

referred to paragraph (1) are specified by the Board of Directors with the approval of the Board of Commissioners.

(3) The employee is appointed and dismissed by the Board of Commissioners on the approval of the Board of Commissioners accordingly.

laws.

BAB IX

YEAR OF BOOK AND RHOOD

Article 19

(1) The Year of the Book of PT. BPR Syariah is the Year of Takwin.

(2) RKAP PT. BPR Sharia is submitted by the Directors to get the approval of the Board of Commissioners and

passed by RUPS.

(3) The RKAP submission as referred to in paragraph

(2) must be exercised at least 1 (one) months before the Year of the Walking Book Year.

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(4) If up to 1 (one) month of the book year

running RKAP has not been passed the RUPS The Company's Work and Budget Plan

stated in effect.

(5) Any RKAP changes occur in the years

a walking book must get an authorization of RUPS.

Section 20

The Board of Directors shall submit the Annual Financial Report as per the provisions of the invite-an invitation which has been examined or audited by

the Public Accountant or the authorities and has been approved by the Council. Commissioners to get

authorization from RUPS the slowest 3 (three) months after Book Year ended.

BAB X

PROFIT DIVISION

Article 21

Laba PT. BPR Syariah which has been passed by RUPS, the whole is divided by the provisions as follows:

a. deviden for Shareholders by 50% (fifty-five percent);

b. reserve funds by 20% (twenty percent);

c. production services amounted to 10% (ten percent);

d. Destination reserve funds are up to 10% (twenty

percent); and

e. social funding of 10% (twenty percent).

Article 22

Deviden which became part of the Government of Bandung County was entirely tuned to the Regional Kas.

BAB XI

COOPERATION

Article 23

(1) The PT. BPR Syariah can do cooperation

with Third Parties in improving activities

business, management, and banking professionalism.

(2) The form of cooperation as referred to in

paragraph (1) is set by RUPS.

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BAB XII

INCORPORATION, DISSOLUTION, AND TAKEOVER

Section 24

(1) In the framework of the vision and/or development of the PT. BPR Syariah can be done mergers, smelters and takeovers.

(2) The implementation of merging, smelting and

takeovers as referred to in paragraph (1) are implemented in accordance with the rules of the invitation-invitation.

(3) Mergers, smelters and takeovers

as referred to in paragraph (1) are specified with the Regional Regulation.

(4) The provisions of the manner of the merger, smelting and takeover of PT. BPR Syariah as referred to in verse (1), paragraph (2) and

paragraph (3) is set in the Basic Budget.

BAB XIII

DISSOLUTION

section 25

(1) The dissolution of PT. BPR Sharia is implemented in accordance with

provisions of laws.

(2) Dissolution of PT. BPR Sharia as

referred to in paragraph (1) is set with

The Regional Rule.

(3) The provisions of the manner of the dissolution of PT. BPR Syariah as referred to in verse (1) and verse (2) is set in the Basic Budget.

BAB XIV

provisions CLOSING

Article 26

The rules of this section begin to apply to the date

promulred.

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So that everyone knows it, ordering

the invitation of this Area Regulation with its placement in the County Area Sheet

Bandung.

Set at Soreang

on August 25, 2014

BUPATI BANDUNG,

ttd

DADANG M. NASER

It was promulred at Soreang

on August 25, 2014

REGIONAL SECRETARY

BANDUNG COUNTY,

ttd

SOFIAN NATAPRAWIRA

SHEET AREA BANDUNG REGENCY

IN 2014 NUMBER 17

NOREG COUNTY COUNTY REGULATIONS BANDUNG, JAVA PROVINCE

BARAT: (133 /2014)

17

EXPLANATION

ABOVE

COUNTY COUNTY REGULATION BANDUNG

NUMBER YEAR 2014

ABOUT

THE ESTABLISHMENT OF A LIMITED LIABILITY BANK OF SHARIA PEOPLE FINANCING BANKS

I. UMUM

In order to support the development to improve justice, togetherness, the alignment of the welfare of the people and improving the PAD, then the necessary participation and contribution of all elements of society. To excavate a variety of potential to support the acceleration process, one of its forms is the development of the banking system based on the Islamic principle (Sharia). The development of Sharia banking is very well suited to the needs of a fairly high society. In order to comply with the national banking system that allows for the establishment of PT BPR Syariah by the Local Government, then with the background of the Government of Bandung, see the need to establish PT BPR Syariah. PT BPR Sharia as one of its community trust institutions based on the Shariah principle, it is demanded that it always be able to expand the trust of the fund owners by presenting it for productive efforts in order to be used in order to be used in the process of the government. Improving the lives of the people. In the course of its efforts, PT BPR Syariah must always hold the principle of prudness and be able to implement the Shariah principle consistently, resulting in the creation of a healthy PT BPR Syariah capable of providing the best service to the community. In order to create a healthy PT BPR Syariah is required a comprehensive, transparent and statutory certainty of law, in which it pertains to the arrangement of ownership and application, management, expansion of the network, and the activities of the PT. BPR Sharia that needs to be specified in the Regional Regulations as per the Rules of Invitation-invitation.

II. SECTION FOR SECTION Section 1

Figure 1

Pretty clear.

Figures 2

Pretty clear.

Figure 3

Pretty clear.

The number 4

Is pretty clear.

Number 5

Pretty clear

Figures 6

Enough clear

Figures 7

Quite clear

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Figures 8

Which referred to "Not Giving Merit" is a bank flower-shaped service as lazily, but so services in the Syariah BPR are adapted to the sharia provision.

Number 9

Pretty clear.

Number 10

Pretty clear.

Figures 11

Pretty clear.

Number 12

Pretty clear.

Number 13

Quite clear.

Figures 14

Quite clear.

Figures 15

Quite clear.

Figures 16

Pretty clear.

Figures 17

Pretty clear.

Figures 18

Enough Clear. Section 2

Clear enough. Section 3

Clear enough. Section 4

Clear enough. Article 5

The activities of the Syariah Principles, among others, are business activities that do not contain elements:

a. usury, i.e. the addition of unauthorised income (batil) among others in exchange transactions of non-quality, quantity, and time of submission (fadhl), or in lending transactions that require a Nasabah The recipient of the Facility returns the funds received above the subject of the loan due to the passage of time (nasi'ah);

b. maise, which is the transaction that is contemplated to an uncertain state and of its benefit to it;

c. gharar, i.e. transactions whose object is not clear, unowned, unknown to its existence, or may not be submitted at the time of the transaction being performed unless otherwise set up in sharia;

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d. Haram, i.e. transactions whose object is prohibited in sharia; or

e. A transaction that causes injustice to the other.

The "economic democracy" is the economic activity of the sharia that contains the value of justice, the confluence, the alignment, and the infertility.

Which is meant to be a "democracy".

with "prucency principle" is a mandatory Bank management guideline to realize healthy, robust, and efficient banking in accordance with the provisions of the laws

Article 6

Which is referred to as " the purpose of support The implementation of development " is one of the improvements in PAD.

Article 7

The letter a

Figure 1

referred to as "Akad wadi'ah" is the payment of goods or money between the parties that have goods or money and the party is entrusted with the purpose of keeping the safety, security, and the integrity of goods or money.

Figure 2

In question "Akad mudharabah" in raising funds is Akad the cooperation between the first party (malik, shahibul mal, or Nasabah) as the the owner of the fund and the second party ('amil, mudharib, or the Syariah Bank) which acts as a fund manager by dividing the profit of the effort in accordance with the deal poured in the Acad.

The letter b

The number 1

referred to "Akad the dharabah" in Financing is the work Act of a venture between the first party (malik, shahibul mal, or the Syariah Bank) which provides the entire capital and second party ('amil, mudharib, or Nasabah) who acts as the fund manager by dividing the business benefits according to the deal that is poured in the Acad, while the loss is borne entirely by Sharia Bank unless the second party commits a deliberate, negligation or barring agreement.

Which is referred to as "Akad musyarakah" is an Act of cooperation between two parties or more for a particular undertaking. Each party provides a portion of the funds provided that the benefit will be divided according to the agreement, while the losses are borne in accordance with the respective portion of the funds.

The number 2

referred to as "Akad murabahah" is the Akad Financing a goods by affirm its price to the buyer and the buyer pays it at a price that is more as an agreed advantage.

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Which is referred to as "Akad greeting" is the Acad of Financing a goods by way of order and price payment done in advance with certain agreed terms.

Which is referred to "Akad istishna '" is the Akad of financing goods in the form of order making certain items with certain criteria and requirements agreed between a reservation or buyer (mustashni ') and a seller or maker (shani').

The number 3

referred to as "Akad qardh" is the loan Akad of the fund to Nasabah provided that Nasabah is obliged to return the funds he received at the agreed time.

Number 4

In question with "Akad ijarah" is the Acad provision of funds in order to move the rights to or benefit from a goods or services based on the lease transaction, without being followed by the transfer of ownership of the goods itself.

Which is referred to "Akad ijarah muntahiya bittamlik" is Akad providing funds in skeletal moving the right to or benefit of a goods or services based on the rental transaction with the transfer option of the goods.

The number 5

referred to as "Akad hawalah" is a debt diversion Akad of the parties that are owed to the other party that are required to bear or pay.

The letter c

Is quite clear.

The d

font is quite clear.

The letter e

Is quite clear. Article 8

Clear enough. Section 9

Clear enough. Article 10

Is quite clear. Section 11

Verse (1)

Clear enough.

Verse (2)

Clearly.

Verse (3)

Quite clear.

21

Verse (4)

The meaning of "corporate plan" is a future enterprise development strategy, made fundamentally, thoroughly and continuous in order to realize vision and mission company specified by considering environmental conditions and corporate environmental competencies.

Article 12

Is fairly clear. Section 13

Clear enough. Section 14

Verse (1)

Quite clearly.

Verse (2)

The "Extraordinary RUPS" is the RUPS performed outside the annual RUPS.

Verse (3)

It is pretty clear.

Verse (4)

Quite clear.

Verse (5)

Clearly.

Verse (6)

Clearly.

Verse (7)

The one referred to as "one of the members of the Board of Commissioners" is a member of the Board of Commissioners who has the most stake.

Verse (8)

Pretty clear.

Verse (9)

Pretty clear. Section 15

Verse (1)

Quite clearly.

Verse (2)

Clearly.

Verse (3)

Clearly.

Verse (4)

It is fairly clear.

paragraph (5)

Terms to the Board of Commissioners, must:

22

a. Pass the (fit and proper

test) rating by the Bank of Indonesia that meets the requirements as follows:

1. integrity includes:

a) having good morals,

b) has a commitment to comply with applicable laws;

c) has a commitment to a healthy Bank operational development;

d) not included in the No Lulus List (DTL); and

e) have a commitment not to perform and/or repeat the deeds and/or actions that are prohibited in the Indonesian Bank Regulation Skills and Solubility Test.

2. competency includes:

a) knowledge in banking that is adequate and relevant to its post; and/or

b) experience in banking and/or financial fields.

3. financial reputation includes:

a) has no stalled credit; and

b) never declared pailit or to be a board of directors or commissioners found guilty of causing a company to be declared pailit, within 5 (five) years last before being calleed.

b. get approval from Bank Indonesia. Section 16

Verse (1)

Quite clearly.

Verse (2)

Quite clearly.

Verse (3)

Clearly.

Verse (4)

Clearly.

Verse (5)

Quite clear.

Verse (6)

Quite clear.

Verse (7)

Terms for being DPS, must be received recommendations of the Indonesian Ulama Assembly and Bank Indonesia approval.

Article 17

Verse (1)

Clearly.

Verse (2)

Clear enough.