Implementation of Mudharabah Contract on Savings Products
DOI:
https://doi.org/10.54956/eksyar.v11i2.625Keywords:
Mudharabah Contract, Savings Products, Deposit ProductsAbstract
This research aims to fill this knowledge gap and significantly contribute to the development of sharia banking in Indonesia, especially at BPRS Al Washliyah. This research uses a qualitative approach to understand and describe the phenomenon of implementing mudharabah contracts on deposit products at BPRS Al Washliyah. A qualitative approach allows researchers to collect rich and in-depth data through various data collection techniques, such as observation and interviews, which provide a more holistic insight into the phenomenon under study. This type of research is a case study chosen because it aims to understand and describe in depth the application of mudharabah contracts to deposit products at BPRS Al Washliyah as a unique case. This research identified several main obstacles faced by BPRS Al Washliyah in implementing mudharabah contracts for deposit products, including a lack of public understanding of these products, the complexity of application procedures, concerns about fund security, and competition with better-known conventional banks. Strategic recommendations have been proposed, such as improving public education, simplifying service procedures, increasing transparency of fund security, and adopting more innovative marketing strategies to overcome these challenges.
References
Afifah, S., Sobari, A., & Hakiem, H. (2019). Analisis Produk Deposito Mudharabah dan Penerapannya pada PT BPRS Amanah Ummah. Al-Muzara’ah, 1(2), 139–160. https://doi.org/10.29244/jam.1.2.139-160
Agustiani, N. (2021). Analisis Sistem Bagi Hasil Deposito Mudharabah.
Agustine, H. K., Saleh, M., & Suhayati, R. (2021). Implementasi Akad Deposito Mudharabah Di Bank Muamalat Indonesia cabang tegal Ditinjau dari Hukum Islam dan Hukum Positif. Al Barakat - Jurnal Kajian Hukum Ekonomi Syariah, 1(01), 17. https://doi.org/10.59270/jab.v1i01.43
Fauziah, N., & Segaf, S. (2022). Seberapa Pengaruh Penetapan Nisbah Bagi Hasil, Inflasi, Dan Jumlah Uang Beredar Terhadap Deposito Mudharabah Di Indonesia. Jurnal Tabarru’: Islamic Banking and Finance, 5(2), 435–447. https://doi.org/10.25299/jtb.2022.vol5(2).9681
Habeahan, P. (2017). Analisis Akad Mudharabah Menurut Literatur Fiqih Pada Pt. Bprs Al-Washliyah Medan (Vol. 1). umsu.
Hutagalung, N. (2022). Analisis Prinsip Keadilan Dalam Konteks Pembiayaan Mudharabah Pada Bank Pembiayaan Rakyat Syariah Al-Washliyah Medan. Koloni, 1(3), 842–846. https://doi.org/10.31004/koloni.v1i3.252
Khaidir, Edi, S., Amalia, R., & Husna, A. (2023). Analisis Pemberian Pembiayaan Pada PT. BPRS Al-Washliyah Medan. JEMSI (Jurnal Ekonomi, Manajemen, Dan Akuntansi), 9(6), 2389–2396. https://doi.org/10.35870/jemsi.v9i6.1651
Kurniawati, putri. (2017). Analisis sistem bagi hasil deposito mudharabah pada pt. Bpr syariah al-washliyah krakatau medan (Vol. 01). Universitas Nusantara PGRI Kediri.
Ria, & Arafah, S. (2023). Analisis Restrukturisasi Dalam Penyelesaian Pembiayaan Mudharabah Bermasalah (Studi Kasus Pada PT. BPRS Al-Washliyah Medan). BISEI : Jurnal Bisnis Dan Ekonomi Islam, 8(2), 104–113. https://doi.org/10.33752/bisei.v8i2.5234
Yana, F. (2020). Analisis Pembiayaan Akad Mudharabah Pada PT.BPRS Al-Washliyah Medan.pdf (pp. 1–98).
