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Banking illiteracy level within society is considered high, comprised of significant number about 88%. Only 12% has well comprehension about the difference between conventional and sharia banking. For this reason, BNI Syariah presented about banking, Dhias Widhiyati, SE, MM said in the seminar of BOD teaching by The Director of Bussiness SME and BNI commercial on Wednesday (11/6) in Tazkia International Islamic Boarding School (IIBS).

Mrs. Dhias Widhiyati defined about bank, a financial institution collecting money from the public and turning it back to them in the form of deposits or savings, financing or other payments. The difference between conventional and sharia bank was also explained by 25-year experienced female banker.

"Islamic banking undertakes its process based on mutual benefit principles and partnership. When one makes a loan, the two  parties shared fair risks. However, in conventional banking, interest made creditor and debtor status clear," she explained in front of all students and teachers of Tazkia IIBS.

Sharia bank, moreover, offers various financial services, such as zakat, infaq, charity, and waqf. The key feature of Islamic banking is avoiding usury in the transaction process.

Bank collects money from the public for deposits. The principles of savings in Islamic banking is either profit sharing or non-profit-sharing. Furthermore, other services are funding the public through financial products.

Some principles in Islamic banking are Akad Wadiah, Akad Mudharabah, Akad Murabahah, Akad Musyarakah, Akad Ijarah, Akad Qardh and Akad Kafalah.

Mrs. Dhias Widhiyati admires Tazkia IIBS for its international education concept. "I am proud of modern Islamic education like Tazkia, a pilot for other Islamic educational institutes," a mother of three said.

Presented book of hasanah and mock up as a symbol of school supplies aid from Mrs. Dhias Widhiyati to The Chairman of Tazkia IIBS.