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All Journal Falah: Jurnal Hukum Ekonomi Syariah Falah: Jurnal Hukum Ekonomi Syariah
Andriyansah
STAI Al-Ma'arif Way Kanan
Economics, Econometrics & Finance

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Analisis Bagi Hasil Akad Mudharabah Pada Bank Syariah Dalam Implementasi Produk Tabungan Berdasarkan Fatwa DSN No: 02/DSN-MUI/IV/2000 Andriyansah
Falah: Jurnal Hukum Ekonomi Syariah Vol. 1 No. 1 (2021): Falah: Jurnal Hukum Ekonomi Syariah
Publisher : STAI Al-Ma'arif Way Kanan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (259.06 KB) | DOI: 10.55510/fjhes.v1i1.45

Abstract

This research is a qualitative research method, which describes and explains profit sharing on savings products using mudharabah contracts at PT. BPR Syariah Way Kanan, which was obtained from data and information through documentation, interviews and direct observation to the bank. The techniques in research analysis used are data reduction, data presentation, drawing conclusions or verification. By using this research method, it can be found that the application of profit sharing to savings products that use mudharabah contracts is in accordance with the provisions of the Fatwa of DSN MUI NO: 02/DSN-MUI/IV/2000. The results show that PT. BPR Syariah Way Kanan does not apply the interest system because the interest system is considered part of usury and is haram in Islam. Profit sharing obtained from the mudharabah contract savings product at PT. BPR Syariah Way Kanan generally offers a profit-sharing ratio with a percentage of 60:40, but if the profit-sharing increases, the profits will be high, but if the profit-sharing falls, the profits will be low.
Analisis Bagi Hasil Akad Mudharabah Pada Bank Syariah Dalam Implementasi Produk Tabungan Berdasarkan Fatwa DSN No: 02/DSN-MUI/IV/2000 Andriyansah
Falah: Jurnal Hukum Ekonomi Syariah Vol. 1 No. 1 (2021): Falah: Jurnal Hukum Ekonomi Syariah
Publisher : LPPM Institut Al-Ma'arif Way Kanan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55510/fjhes.v1i1.45

Abstract

This research is a qualitative research method, which describes and explains profit sharing on savings products using mudharabah contracts at PT. BPR Syariah Way Kanan, which was obtained from data and information through documentation, interviews and direct observation to the bank. The techniques in research analysis used are data reduction, data presentation, drawing conclusions or verification. By using this research method, it can be found that the application of profit sharing to savings products that use mudharabah contracts is in accordance with the provisions of the Fatwa of DSN MUI NO: 02/DSN-MUI/IV/2000. The results show that PT. BPR Syariah Way Kanan does not apply the interest system because the interest system is considered part of usury and is haram in Islam. Profit sharing obtained from the mudharabah contract savings product at PT. BPR Syariah Way Kanan generally offers a profit-sharing ratio with a percentage of 60:40, but if the profit-sharing increases, the profits will be high, but if the profit-sharing falls, the profits will be low.
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