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All Journal Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) Jurnal Ekonomi dan Bisnis Islam Jurnal Ilmiah Ekonomi Islam Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan EQIEN - JURNAL EKONOMI DAN BISNIS Jurnal Al-Amwal Al-Iqtishadiyah: Ekonomi Syariah dan Hukum Ekonomi Syariah Amwaluna Jurnal Ekonomi dan Keuangan Syariah El-Barka: Journal of Islamic Economics and Business Al Maal: Journal of Islamic Economics and Banking SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam AT-TASYRI' Jurnal Ilmiah Prodi Muamalah Jurnal Darma Agung Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Jurnal Teknologi Informasi dan Komunikasi Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam Ekonomica Sharia: Jurnal Pemikiran dan Pengembangan Ekonomi Syariah VARIA HUKUM: Jurnal Forum Studi Hukum dan Kemasyarakatan El-Ecosy : Jurnal Ekonomi dan Keuangan Islam Jurnal Iqtisaduna Istismar : Jurnal Kajian dan Penelitian Ekonomi dan Bisnis Islam Journal of Management and Islamic Finance Jurnal Ekonomi Syariah dan Bisnis Jurnal Riset Ekonomi Syariah Ar-Rihlah : Jurnal Keuangan dan Perbankan Syariah Bandung Conference Series : Sharia Economic Law Jurnal Penelitian dan Pengabdian Masyarakat Al'Adalah Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Tijarah Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Al-Insyiroh: Jurnal Studi Keislaman Journal of Ekonomics, Finance, and Management Studies IPSSJ Edumaspul: Jurnal Pendidikan
Udin Saripudin
Fakultas Syariah, Universitas Islam Bandung
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Public Health Social Sciences Other

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Journal Implications for the Decision of Sharia Economic Case Number 5K/Ag/2023 Dhea Andini Nathania; Syifa Rahmalia Ridwani; Nurhasanah Nurhasanah; Udin Saripudin
Al-Iqtishadiyah: Ekonomi Syariah dan Hukum Ekonomi Syariah Vol 10, No 1 (2024): Jurnal al-Iqtishadiyah
Publisher : Fakultas Studi Islam Universitas Islam Kalimantan Muhammad Arsyad Al Banjary

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31602/iqt.v10i1.13880

Abstract

Islamic economics is experiencing a rapid expansion, which may lead to inevitable conflicts.  In Indonesia, the religious court is the authorized legal institution designated to resolve financial disputes related to Sharia law. Religious courts are authorized to settle financial disputes related to sharia in accordance with Law No. 7 of 1989 regarding Religious Courts and Law No. 3 as of 2006. The aim of this study is to gain a deeper understanding of the resolution of default disputes through the Supreme Court's decision titled "Implications for Arguments and Considerations in the Decision on Sharia Economic Disputes Number 5K/Ag/2023". A descriptive qualitative method was employed to conduct this research. This methodology focuses on collecting data and conducting in-depth analyses to comprehend the studied phenomenon. The findings of this study indicate that the decision of the judex facti/mahkamah sha'riyah Aceh is in accordance with the law, and therefore the cassation petition filed by the appellant must be denied. Objective analysis shows that the case was handled lawfully, without any violation of legal regulations or principles.Keywords: Sharia Economic Law, Religious Courts, Case Law
Food Socio-Politics And Sharia Finance In Indonesia: Agricultural Development In Islamic Political Economic Perspectives Mustapa, Hasan; Saripudin, Udin
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 6, No 1 (2022)
Publisher : Univeristas Islam Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (398.867 KB) | DOI: 10.29313/amwaluna.v6i1.8874

Abstract

This paper seeks to examine the value of the government's role in enhancing investment from Islamic funding in the agricultural sector. This sector needs to be reinforced to serve as the basis for national food security. Agricultural landscape 's abundant potential will hopefully fulfill national needs and become a pillar of exports. This effort was hampered by the high risk that the capital aspects of the agricultural sector were faltering without certainty of profit making. With descriptive analysis the methodology used is qualitative. The result showed The economic prospects of Islamic agricultural policy were strong, but the lack of effective support for infrastructure gave rise to many weaknesses in socio-economic growth, socio-economic development, despite efforts to establish a sustainable society, public interests and reliable agricultural resources. It is worth considering the possible financing of the Hajj Financial Management Agency (HFMA) for the agricultural sector. The government must tighten regulations to foster a healthy partnership ecosystem between the Ministry of Agriculture, Islamic Financial Institutions, and high-quality agricultural resources.
REKAYASA PERANGKAT LUNAK PERUNTUKAN ABSENSI KARYAWAN MELALUI PENGENALAN WAJAH MENGGGUNAKAN BAHASA PEMOGRAMAN VISUAL BASIC6.0 Saripudin, Udin -; Maulana, Ruly
Jurnal Teknologi Informasi dan Komunikasi Vol 1 No 1 (2012): April
Publisher : STMIK Subang

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Abstract

Saat ini aplikasi komputer telah bergeser dari komputasi biasa keaplikasi komputer yang memiliki kecerdasan. Dengan adanya kemajuan teknologi yang semakin pesat, berpengaruh juga ke pola pikir suatu perusahaan dalam melakukan absensi sehingga dapat menekan tingkat kerugian yang di timbulkan dari sikap kurang disiplin karyawan – karyawannya. Salah satu konsep kecerdasan yang dapat dikembangkan adalah bagaimana memprogram komputer agar bisa mengenali wajah seseorang. Tulisan ini membahas bagaimana menyusun sebuah aplikasi (melakukan Rekayasa Perangkat Lunak) absensi karyawan yang mengimplementasikan konsep pengenalan wajah, lengkap dengan deskripsi programnya dengan menggunakan Bahasa Pemrograman Visual Basic 6.0. Kata Kunci: Rekayasa Perangkat Lunak, Pengenalan Wajah dan Bahasa Pemrograman Visual Basic 6.0
Mewujudkan etika dalam kegiatan perbankan syariah melalui penerapan prinsip tata kelola perusahaan yang baik Yuristama, Agus Prakarsa; Saripudin, Udin
Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Vol. 4 No. 10 (2022): Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan
Publisher : Departement Of Accounting, Indonesian Cooperative Institute, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (479.011 KB) | DOI: 10.32670/fairvalue.v4i10.1709

Abstract

The world of banking is an activity based on the principle of trust. The public will place their funds in a bank that is considered trustworthy. If factually, the Bank is not trusted, then whether the Bank will succeed in controlling the market share of public funds, of course this will be difficult. The concept of Islamic banking that carries Islamic values based on Allah's guidance in the Qur'an and the example of Rasulullah in the hadith will certainly be an effective tool in increasing public trust in placing their funds in Islamic banking. This study uses a qualitative approach. Good Corporate Governance according to the general view, as well as good Corporate Governance according to the philosophical view of Islam from the perspective of Ontology, Epistemology and Axiology in general are the same. The fundamental difference is actually the value of Islamic mysticism in good corporate governance according to the Islamic view. This difference clearly affects the perspective of good corporate governance. If it is based on an Islamic view, there needs to be an internalization of values because not all of the variables can be seen with the naked eye or reality.
Etika dalam kepemilikan dan pengelolaan harta serta dampaknya terhadap ekonomi Islam Efendi, Nur; Nurhasanah, Neneng; Saripudin, Udin
Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Vol. 5 No. 1 (2022): Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan
Publisher : Departement Of Accounting, Indonesian Cooperative Institute, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (348.761 KB) | DOI: 10.32670/fairvalue.v5i1.1897

Abstract

The issue of ownership is regulated extensively in Muamalah fiqh in the fields of Al-Mal (property) and Al-Milk (property). Regarding ownership, it is regulated so that there is no violation of one's rights by other individuals, because humans have a tendency towards material things. Islamic recognition of property rights is reflected in the concept of haq al-adami, protection of individual ownership is also regulated in Islam by determining sanctions against people who rob them. This study aims to determine how the concept of Islam in regulating individual ownership rights and how the ethics that must be obeyed in the context of property ownership. This study uses secondary data with data collection methods carried out by means of library research, namely by studying, exploring and citing theories or concepts from a number of literatures such as journals, books, and others. The results of the study that the rules of ownership in Islam have implications for the potential for Islamic economic development, good application of the rules of ownership can have implications for reducing the amount of poverty and economic equity in society.
Perbedaan Harga pada Toko Online dan Offline Perspektik Undang-Undang Nomor 7 Tahun 2014 tentang Perdagangan Muhamad Ikhsan Gunawan Mubarok; Udin Saripudin; Zia Firdaus Nuzula
Jurnal Riset Ekonomi Syariah Volume 4, No. 1, Juli 2024 Jurnal Riset Ekonomi Syariah (JRES)
Publisher : UPT Publikasi Ilmiah Unisba

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/jres.v4i1.3669

Abstract

Abstract. The development of online buying and selling has given Indonesian people many conveniences, both in terms of selling and buying, but in reality there are still many traders from traditional markets, not all of whom can adapt to the development of online sales, resulting in price differences between online and offline stores which has an impact on the decline. Income for some traditional market traders. The rules that apply as an effort to handle business competitiondue to price differences between online and offline stores are how Islamic business ethics and Law Number 7 of 2014 concerning trade influence price comparisons and competition between online stores and offline stores that occur at the Kopo Sayati Traditional Market. . The aim of this research is to analyze the price differences between online and offline shops in the Kopo Sayati Traditional market and then review it with Islamic business ethics and Law Number 7 of 2014 concerning trade. This research method uses field research, using descriptive analytical techniques to describe the competition that occurs in the Kopo Sayati traditional market with online stores. The results of the research show that the competition that occurs due to price differences between online and offline stores is not in accordance with the principles of Islamic business ethics and Law Number 7 of 2014 concerning trade because the competition that occurs is not based on healthy competition, and how the perpetrators should act efforts to prioritize healthy competition so that in the end no one party is harmed. Abstrak. Perkembangan jual beli online membuat masyarakat Indonesia diberikan banyak kemudahan, baik dalam hal menjual maupun membeli tetapi pada kenyataanya masih banyaknya pedagang dari pasar tradisional tidak semuanya bisa beradaptasi dengan perkembangan penjualan secara online ini, sehingga terjadinya perbedaan harga antara toko online dan offline yang berdampak kepada pernurunan pemasukan bagi sebagian pedagang pasar tradisional. Adapun aturan yang berlaku sebagai upaya menangani persaingan usaha akibat adanya perbedaan harga antara toko online dan offline yaitu bagaimana etika bisnis Islam dan Undang-Undang Nomor 7 Tahun 2014 tentang perdagangan memengaruhi perbandingan harga dan persaingan antara toko online dan toko offline yang terjadidi Pasar Tradisional Kopo Sayati. Adapun tujuan penelitian ini menganalisa perbedaan harga antara toko online dan offline di pasar Tradisional Kopo Sayati kemudian ditinjau dengan etika bisnis Islam dan Undang-Undang Nomor 7 Tahun 2014 tentang perdagangan. Metode penelitian ini menggunakan penelitian lapangan (field research), dengan menggunakan teknik analitis deskriptif demi menggambarkan persaingan yang terjadi di pasar tradisional Kopo Sayati dengan toko online. Hasil dari penelitian menunjukan bahwa persaingan yang terjadi akibat adanya perbedaan harga antara toko online dan offline tidak sesuai dengan prinsip etika bisnis Islam dan Undang- Undang Nomor 7 Tahun 2014 tentang perdagangan karena persainga yang terjadi tidak berasaskan pada persainngan yang sehat, dan seharusnya bagaimana para pelaku usaha mengedepankan persaingan yang sehat hingga akhirnya tidak ada salah satu pihak yang dirugikan.
PEMIKIRAN AL- WALIULLAH AL-DAHLAWI DALAM MEMBANGUN PERADABAN EKONOMI UMAT ISLAM IRTIFAQAT SHAH Ilham, Muhammad Satriana; Saripudin, Udin
Tijarah: Jurnal Ekonomi Syariah Vol 3, No 1 (2024): Tijarah: Jurnal Ekonomi Syariah
Publisher : CV Widina Media Utama

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59818/tijarah.v3i1.127

Abstract

One contribution in the concept of socio-economic or commonly referred to as al-Irtifaqat is Shah Waliullah al Dahlawi, a Delhi scholar born in the 18th century. According to him there are at least four concepts in the development of civil society, namely; (1) Beginning with the lives of primitive communities that are only oriented to meeting basic needs. (2) Humans rise to the level and start thinking about how to get a decent life. (3) The level of city life, and (4) the final stage is how humans reach the peak of civilization. Using qualitative methods and analyzed descriptively through a historical-normative-philosophical approach this article tries to describe Shah Waliullah al-Dahlawi’s contribution in building the modern world civilization today, which in broadly outlines his ideas more on giving ideas about the concept of economic cooperation, taxation and responsibility state answer in the economy and so on. ABSTRAKSalah satu kontribusi dalam konsep sosio ekonomi atau biasa disebut dengan istilah al-Irtifaqat yaitu Shah Waliullah al Dahlawi seorang ulama Delhi yang lahir pada abad ke 18. Menurut beliau setidaknya ada empat konsep tahapan berkembangnya masyarakat madani yaitu; (1) Diawali dari kehidupan masyarakat primitif yang hanya berorientasi untuk memenuhi kebutuhan dasar. (2) Manusia naik setingkat dan mulai memikirkan bagaimana mendapatkan kehidupan yang layak. (3) Taraf kehidupan kota, dan (4) tahap akhir yaitu bagaimana manusia mencapai puncak peradaban. Dengan mengunakan metode kualitatif dan dianalisa secara deskriptif melalui pendekatan historisnormatif-filosofis artikel ini mencoba memaparkan kontribusi Shah Waliullah al-Dahlawi dalam membangunan peradaban dunia modern saat ini, yang secara garis besar pemikirannya lebih pada pemberian ide tentang konsep kerjasama ekonomi, pajak dan tanggung jawab negara dalam perekonomian dan lain sebagainya.
Analisi Kompilasi Hukum Ekonomi Syariah (KHES) dan KUHPerdata terhadap Praktik Sewa Menyewa Rumah Bersyarat Siti Asiyah Nur Arifah; Udin Saripudin; Neng Dewi Himayasari
Bandung Conference Series: Sharia Economic Law Vol. 4 No. 2 (2024): Bandung Conference Series: Sharia Economic Law
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssel.v4i2.13632

Abstract

Abstract. The practice of renting a house in Winduhaji Village, Sedong District, Cirebon Regency is carried out orally with several conditions given by the homeowner. These conditions include the tenant's responsibility for the damage that occurs and the tenant's obligation to maintain the house properly. However, it turned out to be a debate for both parties. This study aims to understand the practice of conditional renting houses in Winduhaji Village, Sedong District, Cirebon Regency, and analyze it based on the Compilation of Sharia Economic Law (KHES) and the Civil Code. This research method uses a qualitative approach with the type of normative–empirical research. Primary and secondary data are used as data sources, as well as data collection methods include observation, interviews, documentation, and literature studies. The data obtained was then analyzed using the qualitative descriptive data analysis method. The results of the study show that the practice of renting a conditional house in Winduhaji Village, Sedong District, Cirebon Regency is carried out orally without written evidence. Homeowners provide relatively cheap prices and do not provide a definite time limit for payment. However, the landlord gives several conditions to the tenant, such as taking good care of the house, cleaning all parts of the house, and fixing the damage with funds from the tenant. Based on the analysis of KHES and the Civil Code, the practice of renting a house in Winduhaji Village, Sedong District, Cirebon Regency is said to be null and void because of several conditions that are not by the provisions of the law. These conditions include Article 306, Article 313 (2), and Article 305 of the Criminal Code, as well as Articles 1320 (1) and (4), Article 1550 (2) and (3), and Article 1560 (1) of the Civil Code. Abstrak. Praktik penyewaan rumah di Desa Winduhaji, Kecamatan Sedong, Kabupaten Cirebon, dilakukan secara lisan dengan sejumlah syarat yang ditetapkan oleh pemilik rumah. Syarat-syarat tersebut mencakup tanggung jawab penyewa atas kerusakan yang terjadi serta kewajiban penyewa untuk merawat rumah dengan baik. Namun, hal ini menimbulkan perdebatan antara kedua belah pihak. Penelitian ini bertujuan untuk memahami praktik sewa rumah dengan syarat di Desa Winduhaji serta menganalisisnya berdasarkan Kompilasi Hukum Ekonomi Syariah (KHES) dan KUH Perdata. Metode penelitian menggunakan pendekatan kualitatif dengan jenis penelitian normatif-empiris. Data primer dan sekunder digunakan sebagai sumber informasi, dengan metode pengumpulan data meliputi observasi, wawancara, dokumentasi, dan studi pustaka. Data yang diperoleh dianalisis menggunakan metode analisis deskriptif kualitatif. Hasil penelitian menunjukkan bahwa praktik sewa rumah dengan syarat di Desa Winduhaji dilakukan secara lisan tanpa bukti tertulis. Pemilik rumah menetapkan harga sewa yang relatif murah tanpa batasan waktu pembayaran yang jelas. Namun, pemilik rumah memberikan beberapa syarat kepada penyewa, seperti menjaga rumah dengan baik, membersihkan seluruh bagian rumah, dan memperbaiki kerusakan dengan biaya dari penyewa. Berdasarkan analisis KHES dan KUH Perdata, praktik sewa rumah di Desa Winduhaji ini dianggap batal demi hukum karena beberapa syarat yang tidak sesuai dengan ketentuan hukum. Syarat-syarat tersebut melanggar Pasal 306, Pasal 313 (2), dan Pasal 305 KHES, serta Pasal 1320 (1) dan (4), Pasal 1550 (2) dan (3), dan Pasal 1560 (1) KUH Perdata.
Analisis KHES dan UU No 8 Tahun 1999 tentang Perlindungan Konsumen terhadap Penerapan Ta'widh Pembatalan Transportasi Online pada Aplikasi Grab Diajeng Ayunda Candra Kirana; Udin Saripudin; Iwan Permana
Bandung Conference Series: Sharia Economic Law Vol. 4 No. 2 (2024): Bandung Conference Series: Sharia Economic Law
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssel.v4i2.13967

Abstract

Abstract. The implementation ta'widh cancellation of online transportation on the Grab application is a policy set by the company to the application user, where consumers who cancel after the specified time will be charged a cancellation fee. Cancellation fees are charged to consumers who have not received the benefits of the service. This research aims to know, understand, and analyze the application of ta'widh cancellation of online transportation on the Grab application according to the KHES and Law No. 8 of 1999 concerning Consumer Protection. The research method used is qualitative research with a normative juridical approach. The data source is obtained from secondary data supported by primary data. The data collection techniques used are literature study, interviews, and documentation. The results of the study show that the implementation of ta'widh is in accordance with Articles 36 and 38 of the KHES, consumers are still declared to have broken their promises because they have canceled the order and can be subject to compensation fees. According to the Consumer Protection Law, consumers in addition to having the right to receive true, clear, and honest information about the cancellation fee policy, such as the sustainability of information on the application, consumers are also obliged to follow the rules of consumer obligations, in this case consumers as application users are required to read the rules or provisions on the application before using the service, so that consumers can understand what are the provisions that have been approved in the Terms and Conditions of Application. Abstrak. Penerapan ta’widh pembatalan transportasi online pada aplikasi Grab adalah suatu kebjiakan yang ditetapkan pihak perusahaan pada pengguna aplikasi, di mana konsumen yang membatalkan setelah waktu yang ditentukan akan dikenakan biaya pembatalan. Biaya pembatalan dikenakan pada konsumen yang belum menerima manfaat layanan. Peneltian ini memiliki tujuan untuk mengetahui, memahami, dan menganalisis penerapan ta’widh pembatalan transportasi online pada aplikasi Grab menurut KHES dan UU No. 8 Tahun 1999 mengenai Perlindungan Konsumen. Pendekatan yuridis normatif dengan metode kualitatif diaplikasikan pada penelitian ini. Sumber data didapatkan dari data sekunder yang didukung data primer. Teknik pengumpulan data berlangsung dengan metode studi pustaka, dokumentasi, dan wawancara. Hasil penelitian memperlihatkan bahwa penerapan ta’widh sudah sesuai dengan Pasal 36 dan 38 KHES, konsumen tetap dinyatakan ingkar janji karena telah membatallkan pesanan dan dapat dikenakan biaya ganti rugi. Menurut UU Perlindungan Konsumen, konsumen selain berhak untuk memperoleh informasi yang akurat, jujur, dan jelas, tentang kebijakan biaya pembatalan, seperti keberlanjutan informasi pada aplikasi, konsumen juga wajb untuk mengikuti aturan kewajiban konsumen, dalam hal ini konsumen sebagai pengguna aplikasi wajib membaca aturan atau ketentuan yang ada pada aplikasi sebelum menggunakan layanannya, agar konsumen dapat memahami apa saja ketentuan yang telah disetujui pada syarat ketentuan aplikasi.
Implementasi Fatwa DSN-MUI Nomor 01/DSN-MUI/IV/2000 pada Produk Simpanan Giro di Bank Syariah Indonesia (BSI) Kota Bengkulu Muhammad Rafif; Udin Saripudin; Ira Siti Rohmah Maulida
Bandung Conference Series: Sharia Economic Law Vol. 4 No. 2 (2024): Bandung Conference Series: Sharia Economic Law
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssel.v4i2.15084

Abstract

Abstract. BSI Giro products with wadiah contracts are one of the important funding products for banks to generate profits. However, the implementation of wadiah contracts on this product must comply with the provisions of muamalah jurisprudence and applicable regulations. This study aims to examine the implementation of wadiah contracts on giro products in general and specifically on wadiah giro products at BSI Bengkulu City. This study uses a descriptive analysis method to evaluate the implementation of BSI Giro products at BSI Bengkulu City in accordance with the perspective of muamalah jurisprudence and existing regulations. The results of the study indicate that the implementation of wadiah contracts on BSI Giro products uses the wadiah yad dhammah type, where Islamic banks can manage customer funds and are entitled to profits from managing these funds and receive compensation from deposit services. This implementation is in accordance with muamalah jurisprudence and applicable regulations.‎ Abstrak. Produk Giro BSI dengan akad wadiah adalah salah satu produk pendanaan yang penting bagi bank untuk menghasilkan keuntungan. Namun, pelaksanaan akad wadiah pada produk ini harus mematuhi ketentuan fikih muamalah dan peraturan yang berlaku. Penelitian ini bertujuan untuk mengkaji penerapan akad wadiah pada produk giro secara umum dan khususnya pada produk giro wadiah di BSI Kota Bengkulu. Penelitian ini menggunakan metode analisis deskriptif untuk mengevaluasi pelaksanaan produk Giro BSI di BSI Kota Bengkulu sesuai dengan perspektif fikih muamalah dan peraturan yang ada. Hasil penelitian menunjukkan bahwa implementasi akad wadiah pada produk Giro BSI menggunakan jenis wadiah yad dhammah, di mana bank syariah dapat mengelola dana nasabah dan berhak atas keuntungan dari pengelolaan dana tersebut serta mendapatkan imbalan dari jasa titipan. Implementasi ini telah sesuai dengan fikih muamalah dan peraturan yang berlaku.‎
Co-Authors Agus Prakarsa Yuristama Agus Prakarsa Yuristama Alamsyah, Indra Fajar Allika Rafaldini Andi Fika Widuri Andri Purnawan Anshori, Arif Rijal Aprianti, Lita Dewi Arky Nafisa Beladiena Azzahra, Aliya Nabila Bayu Agnia Np Beladiena, Arky Nafisa Billah, Muwwahid Cecep Kusmana Dadang Komara Deden Gandana Madjakusumah Dhanisa Leryan Dhea Andini Nathania Diajeng Ayunda Candra Kirana Didjaya Prawinata, Raden Bhatara Dudung Ali Nurdin Elan Jaelani, Elan Faisal, Farid Fatriany, Fenny Fenny Fatriany Firmansyah, Andre Fitri Kurnia Dewi, Fitri Kurnia Hafid Hudzaefi Handri Handri Handri, Handri Hery Widijanto Hoerurohman, Aditya Ihwanudin , Nandang iil waludi Ilham, Muhammad Satriana Ilham, Satria Intan Nurrachmi Intan Puspita Isti Khairani Iwan Permana Iwan Permana Juliana Juliana Karamy, Nabiel Khairani, Isti Lina Nugrawati Hatlessy Liza Dzulhijjah M Munir Asrori Mahyar - Mahyar Mastuhi Mauladi, Mochammad Syukria Maulana, Ruly Maulida, Ira Siti Rohmah Meiki Muttaqien Milleni Sumalati Mita Qurrota Ayunin Mochamad Afif Zacharias Masyhur Mohammad Wildan Alghifari Zain Muhamad Ikhsan Gunawan Mubarok Muhammad Daffa Naufaldi Muhammad Rafif Mustapa, Hasan Muttaqien, Meiki Nabiel Karamy Nabiel karamy Nandang Ihwanudin Nanik Eprianti Neneng Hasanah Neng Dewi Himayasari Neng Dewi Himayasari Nunung Nurhayati NUR EFENDI Nurhasanah Nurhasanah Nurlaeli, Suci Nuzula, Zia Firdaus Panji Adam Agus Putra Purwoko, Agus Raden Bhatara Didjaya Prawirawinata Rahmi Khaerani Agustinah Redi Hadiyanto Ridwan Ibnu Asikin Ridwan, Ridwan Rosida, Rida Rozalina, Rozalina Rozalina Sari, Delvita Sina Lailatus Shafa Siti Asiyah Nur Arifah Siti Nurul Huda Suci Nurlaeli Suryani , Suryani Suryani Suryani Suryani Suryani Suryani Suryani Syifa nurfadhilah Syifa Syifa Nurulia Syifa Rahmalia Ridwani Titin Karlina Widuri, Andi Fika Yayan Yayan Yayat Rahmat Hidayat Yuristama, Agus Prakarsa Yusup, Akhmad Zia Firdaus Nuzula Zilan Fauzi Rahman