Bank Muamalat Indonesia (BMI) was the first commercial bank in Indonesia to implement Islamic Sharia principles in running the operation. Founded in 1991, initiated by the Indonesian Council of Ulamas (MUI) and the Government of Indonesia. Began operation in 1992, supported by Muslim scholars and businessmen, as well as public. In the year 1994, BMI has started to provide foreign exchange service. Funding products using the principle of Wadiah (deposit) and Mudharabah (profit-sharing). While Financing products using the principle of Bai’ (Buy and Sell), Musyarakah (Equity Sharing), Mudharabah (Profit-Sharing), and Ijarah (Rent).
The idea of establishment initiated on MUI workshop entitled "Problems of Bank Interest" held in mid August 1990 in Cisarua, Bogor. Workshop participants agreed to assign the Economic Development Committee to build a bank which activities are based on Islamic set of guidelines. This decision was confirmed in the General Assembly of MUI in Jakarta, August 1990. The team is formed, which later became known as MUI Banking Team, chaired by Dr. H.M. Amin Aziz.
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