Menelusuri Sisi Syariah Pada Tabungan Haji Dan Umroh iB Pada BTN Syariah KCPS Madiun

Sulistiyani Sulistiyani (Universitas PGRI Madiun)
Devit Anisatul Fuat’dah (Universitas PGRI Madiun)
Elana Era Yusdita (Universitas PGRI Madiun)

Jurnal Humanipreneur
Vol 4 No 1 (2025): (Maret 2025)

Bank BTN Syariah KCPS MADIUN offers Hajj/Umrah savings using the Mutlaqah Mudharabah Agreement. This research aims to explain the concept of the Mudharabah Mutlaqah Agreement, how the system is divided and the process of creating Hajj & Umrah savings at BTN Syariah. The research method used is qualitative, by exploring an in-depth understanding of the problem. Data was obtained from direct observation and interviews with Bank BTN Syariah KCPS Madiun customer service, and documentation. The results of this research show that the percentage of profit sharing is 2% for customers, and 98% for banks using mudharabah mutlaqah contracts.