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All Journal Jurnal Ilmiah Pengabdian Kepada Masyarakat (Nyiur-Dimas)
Abd. Aziz
Universitas Islam Jember
Religion Humanities Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences

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Benefits of Using Sharia Banking Services: Socialization of Wadiah and Mudharabah Savings Products in Pelindu, Karangrejo Urban Village, Sumbersari District, Jember Regency Farida Umi Choiriyah; Achmad Fawaid; Siti Nur Azizatul Luthfiyah; Abd. Aziz; Taufiqur Rohman; Ahyana Sri Ratu Risqi Sabrina; Miftah Rahmatillah
Jurnal Ilmiah Pengabdian Kepada Masyarakat (Nyiur-Dimas) Vol 5 No 2 (2025)
Publisher : Lembaga Penelitian dan Pengabdian Kepada Masyarakat (LP2M) IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/nyiur.v5i2.2337

Abstract

Indonesia's sharia banking sector has expanded rapidly following the merger that formed Bank Syariah Indonesia (BSI), yet public understanding of the core deposit contracts of wadiah and mudharabah remains limited outside major urban centers. This gap is evident in Pelindu, Karangrejo Urban Village, Sumbersari District, Jember Regency, where many residents still perceive sharia savings as merely a relabeled interest-bearing product. This community service program aimed to improve public literacy regarding the contractual mechanisms, benefits, and sharia compliance of wadiah and mudharabah savings, and to correct misconceptions equating profit-sharing (nisbah) with riba. The program was implemented through a participatory approach adapted from Participatory Action Research, involving direct outreach, interactive discussion, and pretest-posttest evaluation with eight young residents, most of whom were students. Results show a substantial increase in average achievement scores across all measured aspects: knowledge of sharia savings products rose from 22% to 89%, comprehension of the wadiah contract from 25% to 91%, comprehension of the mudharabah contract from 15% to 84%, and interest in using sharia products from 30% to 80%. Afterward, four participants preferred wadiah and three preferred mudharabah, a fairly balanced pattern. These findings indicate that structured, face-to-face financial education reinforced by field practitioner experience can narrow the literacy gap and strengthen community trust toward sharia financial institutions. Given the small number of participants, the model is best viewed as a starting point for similar semi-urban localities rather than a proven formula.
Co-Authors Achmad Fawaid Ahyana Sri Ratu Risqi Sabrina Farida Umi Choiriyah Miftah Rahmatillah Siti Nur Azizatul Luthfiyah Taufiqur Rohman