Decision:

The 98th Discourse of the Fatwa Committee of the National Fatwa Council for Islamic Religious Affairs Malaysia convened on 13-15 February 2012 had discussed the Current Status on the Shari`ah Compliance of Skim Sijil Simpanan Premium Bank Simpanan Nasional (BSN). The following decisions were made:

After listening to the briefing and clarification given by Bank Simpanan Nasional (BSN), the Discourse is satisfied and has found that the implementation of Skim Sijil Simpanan Premium (SSP) by BSN has been updated by including an agreement for profit-sharing (Aqad Mudharabah), the SSP funds are invested in instruments and assets that are Shari`ah-compliant and the gifts that are given are sourced from BSN’s Islamic Banking Scheme.

In relation thereto, the Discourse has agreed to decide that the implementation of Skim Sijil Simpanan Premium as improvised by BSN is a product that fully complies with, and is permissible under the Shari`ah.

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Status Terkini Pematuhan Syariah Skim Sijil Simpanan Premium Bank Simpanan Nasional (BSN)

Muzakarah Jawatankuasa Fatwa Majlis Kebangsaan Bagi Hal Ehwal Ugama Islam Malaysia Kali Ke-98 yang bersidang pada 13-15 Februari 2012 telah membincangkan Status Terkini Pematuhan Syariah Skim Sijil Simpanan Premium Bank Simpanan Nasional (BSN). Muzakarah telah membuat keputusan seperti berikut:

Setelah mendengar taklimat dan penjelasan daripada Bank Simpanan Nasional (BSN), Muzakarah mendapati dan berpuashati bahawa pelaksanaan skim Sijil Simpanan Premium (SSP) oleh BSN telah dikemaskini dengan menggunakan akad Mudharabah (perkongsian untung) dan dana SSP dilaburkan dalam instrumen dan aset yang mematuhi Syariah serta hadiah-hadiah yang disumbangkan adalah menggunakan dana dari sumber Skim Perbankan Islam (SPI) BSN.

Sehubungan itu, Muzakarah bersetuju memutuskan bahawa skim Sijil Simpanan Premium yang telah diperbaharui pelaksanaannya oleh BSN adalah produk yang sepenuhnya mematuhi Syariah dan diharuskan oleh syarak.

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