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All Journal al-Afkar, Journal For Islamic Studies BAABU AL-ILMI: Ekonomi dan Perbankan Syariah
Haris Santoso
Universitas Ma’arif Lampung
Religion Economics, Econometrics & Finance Education Social Sciences Other

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Analisis Penerapan Penalti pada Pencaiaran Deposito Mudharabah Sebelum Jatuh Tempo di Bank Aman Syariah Dian Widia Asmerianti; Haris Santoso
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 11, No 2 (2026): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v11i2.10859

Abstract

Mudharabah deposits are a fund collection product in sharia banking which is carried out based on a cooperation agreement between the customer as shohibul maal and the bank as mudharib with a profit sharing system. This product has a certain period of time so that funds cannot be withdrawn before maturity. However, in practice there are still customers who withdraw their deposits before they are due, because of the urgent need to anticipate this, Sharia safe banks implement a penalty policy as a consequence of contract violations. This research aims to analyze the application of penalties for disbursement of mudharabah deposits before maturity and assess the effectiveness of penalties in preventing customers' decisions to withdraw funds early. This research uses a qualitative method with a descriptive approach through interview techniques, observation and documentation. The research results show that penalties function as a control for customers not to withdraw deposits before maturity, but are not always the main consideration in customer decision making when faced with urgent economic needs.
Analysis of the Level of Public Trust in Zakat Management by Laziznu Metro City Through Partnership with BMT Artha Buana Metro Putri Lestari Ramadhani; Haris Santoso
al-Afkar, Journal For Islamic Studies Vol. 9 No. 2 (2026)
Publisher : Perkumpulan Dosen Fakultas Agama Islam Indramayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31943/afkarjournal.v9i2.3369

Abstract

This study aims to analyze the level of public trust in zakat management by LAZISNU Metro City and to determine the role of the partnership between LAZISNU Metro City and BMT Artha Buana Metro in improving the effectiveness of zakat management. This research uses a qualitative approach with a descriptive method. Data were obtained through interviews, observations, and documentation with informants consisting of the Head of LAZISNU Metro City, the Manager of BMT  Artha Buana Metro, and one of the muzakki. The collected data were analyzed through the stages of data reduction, data presentation, and conclusion drawing. The results of the study show that the level of public trust in zakat management by LAZISNU Metro City is still not fully optimal, as some people still prefer to distribute their zakat directly to mustahik. However, from the institutional perspective, the level of public trust shows an increase, which is indicated by the growing number of muzakki and community participation in LAZISNU social programs. The partnership between LAZISNU Metro City and BMT Artha Buana Metro is implemented in the form of cooperation in the collection and distribution of zakat funds in a formal and administrative manner. Factors influencing public trust include trust in the institution, a well-planned organizational work system, centralized management of zakat funds, and the mechanism of zakat distribution carried out through a survey process of prospective mustahik. Based on these findings, it is recommended that LAZISNU Metro City continue to improve transparency and accountability in zakat management, strengthen public socialization regarding the importance of distributing zakat through official institutions, and optimize cooperation with Islamic financial institutions such as BMT to enhance the effectiveness of zakat collection and distribution.
Co-Authors Dian Widia Asmerianti Putri Lestari Ramadhani