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All Journal FINANSIA : Jurnal Akuntansi dan Perbankan Syariah
Andi Dinul Islam Firdaus
Süleyman Demirel University, Turkey
Economics, Econometrics & Finance

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COMPARATIVE ANALYSIS OF DEPOSIT BETWEEN BANK MEGA AND BANK MUAMALAT I nyoman Budiono; Abdul Hamid; Andi Kiki Patmawati; Nur Ainun Herawati Samad; Andi Dinul Islam Firdaus
FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Vol 9 No 1 (2026): FINANSIA : Jurnal Akuntansi dan Perbankan Syariah
Publisher : Fakultas Ekonomi Dan Bisnis Islam IAIN Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/finansia.v9i1.12147

Abstract

This study analyzes the fundamental operational differences of deposit products between conventional banking (Bank Mega) and Islamic banking (Bank Muamalat). Using a qualitative descriptive method, the study reveals that basic principles affect accessibility and cost structures for customers. Significant differences were found in minimum requirements and penalty consequences. Bank Mega sets a minimum balance for both regular and online account openings. Withdrawals before maturity incur a 1% penalty of the nominal amount and forfeiture of accrued interest. In contrast, Bank Muamalat, which applies the Mudharabah Mutlaqah principle, offers higher accessibility with a lower minimum. Early withdrawal fees are also lighter, being only a fixed account closure fee. Overall comparison shows similarities in aspects such as account opening/closing media, deposit term options, and the automatic renewal system. However, the core difference lies in the operational principles; Bank Mega is based on interest-based principles, whereas Bank Muamalat strictly applies Sharia principles.
Co-Authors Abdul Hamid Andi Kiki Patmawati I nyoman Budiono Nur Ainun Herawati Samad