JEKSya Jurnal Ekonomi dan Keuangan Syariah
Vol. 1 No. 2 (2022): Vol 1 No 2 Desember 2022

Implementasi Nisbah Bagi Hasil Produk Tabungan Haji Melalui Akad Mudharabah Pada Bank Syariah Indonesia KCP Stabat

Indah, Indah Aulia Putri (Unknown)



Article Info

Publish Date
20 Dec 2022

Abstract

This research aims to find out the application and explain the mudharabah contract at Bank Syariah Indonesia KCP Stabat and find out the implementation and explain the profit sharing ratio for Hajj savings products at Bank Syariah Indonesia KCP Stabat in an Islamic economic perspective. The type of research used is qualitative research using field research models. Data collection techniques using observation, interviews, documentation. The steps used in analyzing the data are data reduction, data presentation, and drawing conclusions. The results of the study show that the Hajj savings product at Bank Syariah Indonesia KCP Stabat has used the mudharabah mutlaqah contract in carrying out its operations. From the results of managing the mudharabah funds, Bank Syariah Indonesia KCP Stabat will share the profits with the owners of the funds according to the ratio agreed at the beginning of the account opening contract, which is 15%: 85%. The distribution of the ratio of mabrur savings products carried out by Bank Syariah Indonesia KCP Stabat to its customers implements a revenue sharing profit sharing system. This principle has the meaning that there is a distribution of results, income or income between shohibul maal (customers) and mudharib (Bank Syariah Indonesia KCP Stabat) which is based on the total of all income before deducting the costs that have been incurred.

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Journal Info

Abbrev

JEKSya

Publisher

Subject

Economics, Econometrics & Finance

Description

JEKSya Jurnal Ekonomi dan Keuangan Syariah adalah jurnal akademik yang diterbitkan tiga kali setahun Mey September Desember oleh Yayasan Perima dan bekerjasama dengan STAI Jam’iyah Mahmudiyah Tanjung Pura, Langkat. JEKSya adalah jurnal akademik peer-review untuk mahasiswa, praktisi, sarjana, dan ...