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Rahayu Kusumadewi
UIN Sunan Gunung Djati Bandung
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IMPLEMENTATION OF RELIGIOUS MODERATION IN THE DEVELOPMENT OF A SHARI'AH ECONOMIC AND FINANCIAL SYSTEM THAT IS FAIR FOR SOCIETY Iwan Setiawan; Rahayu Kusumadewi; Nurhaeti; Dimas Hardiansyah
Gunung Djati Conference Series Vol. 42 (2024): Seminar Nasional Ekonomi dan Bisnis Islam
Publisher : UIN Sunan Gunung Djati Bandung

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Abstract

This research aims to analyze the application of religious moderation in a sharia economic and financial system that is fair to society. This research includes library research with qualitative research methods that use a descriptive approach. The results of this research reveal that the concept of religious moderation has been fully implemented in the development of the Sharia Financial Institution (LKS) system, through openness regarding the use of LKS which is not only specifically for Muslim customers but also for customers of other religions. However, regarding the placement of Human Resources (HR) in LKS who come from non-Muslim communities, this has not received special attention. Apart from that, it is necessary to formulate derivative regulations as a legal umbrella that gives non-Muslims the same rights to become employees at LKS. The granting of these rights must of course fulfill the terms and conditions that apply to the application of sharia principles in all LKS operations. Thus, granting the same rights to non-Muslim communities as part of LKS human resources will create a sharia economic and financial system that is just for society.
Analisis Sistem Pembukaan Rekening Tabungan Mudharabah di Bank Jabar Banten (BJB) Syariah Asya Nurbayani Gumilar; Iwan Setiawan; Rahayu Kusumadewi; Nurhaeti
Jurnal Riset Multidisiplin Edukasi Vol. 3 No. 4 (2026): Jurnal Riset Multidisiplin Edukasi (April 2026)
Publisher : PT. Hasba Edukasi Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71282/jurmie.v3i4.1797

Abstract

This study aims to analyze the Mudharabah savings account opening system at Bank Jabar Banten (BJB) Syariah from the perspective of sharia compliance, efficient procedures, and readiness for digitalization services. The method used was a qualitative approach through literature review and direct observation during Field Work Practice (PKL) activities at BJB Syariah. Data were obtained through observation, interviews with bank employees, and discussions with customers. The results indicate that the account opening process complies with sharia principles and the provisions of the DSN-MUI fatwa, particularly in terms of contract disclosure and profit-sharing ratio determination. However, several obstacles were identified, such as a lack of customer understanding of the Mudharabah contract, lengthy administrative procedures, and the suboptimal implementation of account opening digitalization. Therefore, increased sharia education for customers, simplification of administrative procedures, and strengthening of digital services are needed to enhance BJB Syariah's efficiency and competitiveness in the modern banking era.
Co-Authors Abdal Abdal Ai Siti Farida Asep Hidayat Asya Nurbayani Gumilar Dimas Hardiansyah Gawik Setiawan Idah Wahidah iwan setiawan Muhammad Febriansyah Rohimat Nadiya Asyri Nur Fadillah Nanang Suparman Naufal Dholifun Nafsi Neng Wita Nursaadah Fitriah Nikita Oriza Nira Adriani Setiawan Novari, Eri Nurhaeti Nurhaeti Nurul Fajriyanti Veren Virginia Wahyu, Fitri Pebriani Wiwin Julaeha