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All Journal Jurnal Perbankan Syariah Darussalam (JPSDa) Jurnal Ekonomi Syariah
Moch. Zaenal Azis Muctharom
Universitas Al-Hikmah Indonesia
Economics, Econometrics & Finance

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IMPLEMENTASI AKAD WADI’AH PADA PRODUK TABUNGAN FAEDAH DALAM MENINGKATKAN JUMLAH NASABAH DI BANK SYARIAH INDONESIA Moch. Zaenal Azis Muctharom
Jurnal Ekonomi Syariah Darussalam Vol. 6 No. 1 (2025): Februari 2025
Publisher : Universitas KH. Mukhtar Syafaat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jesdar.v6i1.3695

Abstract

The aim of this research is to analyze the implementation of the wadi’ah contract in the Faedah Savings product at Bank Syariah Indonesia and efforts to increase the number of customers at Bank Syariah Indonesia Bojonegor. This research uses data collection methods through interviews, observation and documentation. This research uses a qualitative type of research using SWOT analysis. The results of this research show that Faedah Savings is a savings account for individual customers who use the deposit principle, who want convenience in daily transactions, his product uses the wadi’ah yad dhamanah contract. Meanwhile, there are 3 methods to increase the number of customers, namely personal selling, advertising and free. Kata Kunci: Implementasi, Tabungan Faedah, Upaya Meningkatkan Jumlah Nasabah
Peran Manajemen Syariah Dalam Meningkatkan Kinerja Bank Syariah Di Era Digital Moh Agus Sifa'; Moch. Zaenal Azis Muctharom
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 6 No. 1 (2026): Januari 2026
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v6i1.4490

Abstract

Digital transformation has become inevitable for the banking industry, including Islamic banking. The development of digital technology presents both opportunities and challenges for Islamic banks in improving operational performance without neglecting compliance with Islamic principles. This study aims to examine the role of Islamic management in supporting the development of digital products and services and its impact on the performance of Islamic banks in the digital era. The research method used is a literature study by analyzing various scientific sources such as journals, academic articles, and official reports related to digitalization and Islamic banking. The results show that the implementation of digital technology has a positive impact on the performance of Islamic banks, particularly in improving operational cost efficiency, service quality to customers, and expanding financial inclusion. Islamic management plays a strategic role in ensuring that developed digital innovations remain in line with Islamic principles, such as the prohibition of riba (usury), gharar (gharar), and maisir (gambling). However, this study also found obstacles in the digitalization process, including regulations that are not fully adaptive to technological developments and low digital literacy among customers and human resources in Islamic banks. Therefore, this study recommends strengthening the role of sharia management in digitalization supervision, improving human resource competency, and closer collaboration between sharia banks and regulators to realize sustainable digital transformation in accordance with sharia principles.
Co-Authors Moh Agus Sifa'