Article Per Year (5 Year)
p-Index From 2020 - 2025
3.64
P-Index
This Author published in this journals
All Journal YUDISIA : Jurnal Pemikiran Hukum dan Hukum Islam Jurnal Ilmiah Ekonomi Islam Jurnal Pengabdian Pada Masyarakat Wahana Islamika: Jurnal Studi Keislaman Isti`dal : Jurnal Studi Hukum Islam Adimas : Jurnal Pengabdian Kepada Masyarakat Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam JES (Jurnal Ekonomi Syariah VALUE: Jurnal Ilmiah Akuntansi, Keuangan dan Bisnis AKM: Aksi Kepada Masyarakat Jurnal Pengabdian Multidisiplin Labatila: Jurnal Ilmu Ekonomi Islam Jurnal Ekonomika Dan Bisnis Jurnal Perbankan Syariah Darussalam (JPSDa) Borneo : Journal of Islamic Studies Wahana Islamika: Jurnal Studi Keislaman Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Sharef: Journal of Sharia Economics and Finance Journal of Ekonomics, Finance, and Management Studies J-CEKI Jurnal Ekonomi, Manajemen, Akuntansi PESHUM
Mubarok, Ahmad Fauzan
Program Studi Perbankan Syariah UNISNU Jepara
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

Published : 29 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search
Journal : Borneo : Journal of Islamic Studies

 1 
ANALISIS PENERAPAN AKAD MUDHARABAH DALAM PRODUK TABUNGAN HAJI DAN UMROH PADA BTN SYARIAH KCPS KUDUS Rokmah, Fadilatur; Wahidullah, Wahidullah; Mubarok, Ahmad Fauzan
Borneo : Journal of Islamic Studies Vol. 5 No. 2 (2025): BORNEO: Journal of Islamic Studies
Publisher : Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/borneo.v5i2.3769

Abstract

Islamic banking in Indonesia has experienced significant growth, driven by increased public awareness, supportive regulations, and product innovations such as hajj and umroh savings. This study analyzes the application of the mudharabah contract in hajj and umroh savings products at BTN Syariah KCPS Kudus, focusing on compliance with sharia principles and economic effectiveness. Employing a qualitative approach through interviews, observations, and documentation, the study finds that the applied mudharabah muthlaqah contract complies with the DSN-MUI Fatwa, with a profit-sharing ratio of 45:55 and fund management through sharia-compliant instruments. However, low customer literacy and lack of transparency in fund management pose significant challenges. Economically, the product supports the growth of third-party funds (from IDR 3.8 billion in 2022 to IDR 4.5 billion in 2023), but the economic benefits for customers are less significant, as their primary motivation is hajj registration rather than profit sharing. The study recommends enhancing sharia education, transparency, and product innovation to optimize sharia compliance and economic benefits.
Co-Authors Aditya, M.Fajar Alma'lufah, Robi'ah Amalia, Lutfi Nur Amrina Rosyada Anggisna Laila Nurrahmawati Ansori, Miswan AULIA, RIZKA ‘Aini, Nurul Zakiyatul Benzi, Kifa Yola Budi Utami, Cahyaning Cahyaning Budi Utami Chailis Agmelia Khaeroni Dhona, Risma Diah Alfin Nurwahyu Lailita Diva Mustamar Syadid Erny Nur'Aini Hazmi, Faiqul Ika Lailatun Nikmah Ika Wahyu Purnama Intan Khoirun Nisa Iza Kholila Listianingrum, Lailiya M.Fajar Aditya Miftakhul Khasanah Muhammad Khoirul latif Nafisah, Zahrotun Nafisah, Zahrotun Nandiroh Nandiroh Rahayu Nur Auliya Robiah Alma’lufah Rokmah, Fadilatur Selvi Riyani Shodiq, Ricky Jafar Sukma Dewi Pratama Syahriar, Alfa Ummah, Khoirul Utami, Cahyaning Budi Wahidullah Wahidullah, Wahidullah zahrotun nafisah Zahwa Naelal Firdausi Zulfa, Ainiyatuz ‘Aini, Nurul Zakiyatul