<![CDATA[This research is motivated by the challenge of asymmetric information in the implementation of the Easy Mudharabah Savings product at Bank Syariah Indonesia (BSI) KCP Bukittinggi Sudirman, particularly regarding the gap between the bank’s technical understanding and customers’ comprehension of the mudharabah mechanism. This study aims to analyze the implementation of the mudharabah contract and examine the extent to which sharia principles are applied in the operational practices of the product. Using an empirical juridical approach through field research with a qualitative method, data were collected through interviews with bank practitioners and documentation studies, which were analyzed descriptively based on Islamic economic law principles and DSN-MUI fatwas. The results indicate that the Easy Mudharabah Savings product has implemented the mudharabah muthlaqah contract by positioning customers as shahibul maal and the bank as mudharib through a profit-sharing (nisbah) mechanism rather than a fixed interest system. The implementation of sharia principles is reflected in the application of justice (al-‘adl), trustworthiness (amanah), and public benefit (maslahah), supported by Sharia Supervisory Board (DPS) oversight and prudential management practices. However, challenges remain regarding customers’ understanding of profit-sharing mechanisms and the characteristics of Islamic banking products. This study provides empirical insights into the importance of strengthening sharia compliance and customer education as efforts to reduce asymmetric information and enhance public trust in Islamic financial institutions.]]>
