Analisis Penerapan Akad Mudharabah Mutlaqah Pada Tabungan Mabrur Untuk Biaya Perjalanan Ibadah Haji (Studi Pada Bank Syariah Indonesia KCP Stabat)

Authors

  • Soffi Ramadhana Soffi STAI Jam'iyah Mahmudiyah Tanjung Pura, Langkat

Keywords:

Akad, Mudharabah Mutlaqah, Tabungan Mabrur

Abstract

The formulation of the problem in this study is how to apply the mudharabah mutlaqah contract to mabrur savings for the cost of the pilgrimage at Bank Syariah Indonesia KCP Stabat, how is the flow of account opening to closing mabrur savings accounts at Bank Syariah Indonesia KCP Stabat. This study aims to describe the results of the formulation of the problem mentioned above. This study uses a field research method with a qualitative method that emphasizes the aspect of in-depth understanding of a problem. Sources of data in this study came from primary data and secondary data obtained from observations, interviews and documentation. The results of the research conducted by the author, the authors formulate conclusions regarding the application of the mudharabah mutlaqah contract on mabrur savings Bank Syariah Indonesia KCP Stabat has carried out in accordance with Islamic law, it's just that there is a lack of socialization or explanation to customers who still do not understand about the existence of a mudharabah mutlaqah contract. in mabrur savings or even the existence of a ratio in the mudharabah muthlaqah contract that the customer does not know about.. In addition, the process of opening and closing BSI accounts has been very helpful, making it very easy for customers to realize their wish to get a Hajj portion number and continue to the ground holy.

References

Al-Hasni, F. (2017). Akad Mudharabah Mutlaqah Dalam Praktik Perbankan Syariah. Mu’amalat: Jurnal Kajian Hukum Ekonomi Syariah, 9(2), 208–222. https://doi.org/10.20414/mu.v9i2.2019

Bimo, W. A., & Cahya, T. (2018). Strategi Pemasaran Tabungan Haji Dengan Akad Mudharabah Mutlaqah Pada Pt. Bank Tabungan Negara Syariah (Persero) Tbk. Cabang Bogor. Moneter: Jurnal Keuangan Dan Perbankan, 6(2), 63. https://doi.org/10.32832/moneter.v6i2.2413

Harahap, M. A., & Soemitra, A. (2022). Studi Literatur Peran Lembaga Keuangan Mikro Syariah Dalam Meningkatkan Kesejahteraan. Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah, 4(4), 1186–1198. https://doi.org/10.47467/alkharaj.v4i4.889

isnawati setyo putri, zahrani aya sofiya, riini irfaniyah ziya’ul haqque, arin setyowati. (2022). Mekanisme Perhitungan Bagi Hasil Pada Produk Tabungan Haji Berbasis Akad Mudharabah. Journal of Shariah Economic (MJSE), vol 2, no(1), h. 22-28. https://doi.org/10.2426/10.24269

Juniarty, N., Mifrahi, M. N., & Tohirin, A. (2017). Faktor-faktor yang mempengaruhi deposito mudharabah pada bank syariah di Indonesia. Jurnal Ekononomi & Keuangan Islam, 3(1), 36–42. https://doi.org/10.20885/JEKI.vol3.iss1.art5

Millah, H., & Hasanah, U. (2021). IMPLEMENTASI NISBAH BAGI HASIL PRODUK TABUNGAN MABRUR MELALUI AKAD MUDHARABAH MUTLAQAH DALAM PERSPEKTIF EKONOMI ISLAM (Studi Kasus Bank Syariah Mandiri KC Lumajang). Iqtishodiyah: Jurnal Ekonomi Dan Bisnis Islam, 7(1), 2548–5911. https://ejournal.inzah.ac.id/index.php/iqtishodiyah/article/view/492

Muhammad Arfan Harahap, S. S. (2022). Kontrak Jasa pada Perbankan Syariah: Wakalah, Kafalah dan Hawalah: Tinjauan Fiqh Muamalah Maliyah. Reslaj; Religion Education Social Laa Riba Journal, 4(1), 98–117. https://doi.org/10.47476/reslaj.v4i1.482

Muslikh, A. S., Umam, A. K., Rusydi, I., & ... (2022). Analisis Produk Tabungan Haji & Umroh Ib Dengan Menggunakan Akad “Mudharabah Mutlaqah”(Pt. Bank Btn Syariah Kcps Indramayu). JSEF: Journal of Sharia …, 1(2), 81–92. https://jsef.faiunwir.ac.id/index.php/jsef/article/view/9%0Ahttps://jsef.faiunwir.ac.id/index.php/jsef/article/download/9/9

Rahayu, S., & Siregar, R. (2018). Pengaruh Bagi Hasil Deposito Mudharabah, Suku Bunga Berjangka Bank Indonesia Dan Inflasi Terhadap Jumlah Deposito Mudharabah PT. Bank Negara Indonesia (BNI) syariah. Jurnal Riset Akuntansi Multiparadigma, 5(1), 1–13. https://doi.org/https://doi.org/10.30743/akutansi.v5i1.484

Rasulong, I. (2021). Pemahaman Nasabah Tentang Konsep Mudharabah. Jurnal Lmu Ekonomi BALANCE, 7(1), 32–42. https://doi.org/https://doi.org/10.26618/jeb.v7i1.1102

Septiaran, Yun Fitriano, O. (2011). PENGARUH RETURN BAGI HASIL (MUDHARABAH MUTLAQAH) TERHADAP PERTUMBUHAN DANA PIHAK KETIGA PADA BANK SYARIAH MANDIRI. EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi Dan Bisnis, 112–120. https://doi.org/https://doi.org/10.37676/ekombis.v8i2

Sulistyawati, A. I., Hidayah, N., & Santoso, A. (2020). Analisis determinan deposito mudharabah. Indonesia Accounting Journal, 2(2), 133. https://doi.org/10.32400/iaj.28894

Downloads

Published

2022-12-20