Maqasid Forum
Vol. 1 No. 1 (2026): March 2026

Implementasi Prinsip-Prinsip Syariah pada Produk Tabungan Easy Mudharabah di BSI KCP Bukittinggi Sudirman

Nia Irfansyah (Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi)
Bustamar Bustamar (Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi)



Article Info

Publish Date
04 Mar 2026

Abstract

This research is motivated by the challenge of asymmetric information in the implementation of the Easy Mudharabah Savings product at Bank Syariah Indonesia (BSI) KCP Bukittinggi Sudirman, particularly regarding the gap between the bank’s technical understanding and customers’ comprehension of the mudharabah mechanism. This study aims to analyze the implementation of the mudharabah contract and examine the extent to which sharia principles are applied in the operational practices of the product. Using an empirical juridical approach through field research with a qualitative method, data were collected through interviews with bank practitioners and documentation studies, which were analyzed descriptively based on Islamic economic law principles and DSN-MUI fatwas. The results indicate that the Easy Mudharabah Savings product has implemented the mudharabah muthlaqah contract by positioning customers as shahibul maal and the bank as mudharib through a profit-sharing (nisbah) mechanism rather than a fixed interest system. The implementation of sharia principles is reflected in the application of justice (al-‘adl), trustworthiness (amanah), and public benefit (maslahah), supported by Sharia Supervisory Board (DPS) oversight and prudential management practices. However, challenges remain regarding customers’ understanding of profit-sharing mechanisms and the characteristics of Islamic banking products. This study provides empirical insights into the importance of strengthening sharia compliance and customer education as efforts to reduce asymmetric information and enhance public trust in Islamic financial institutions.

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Journal Info

Abbrev

maqasidforum

Publisher

Subject

Law, Crime, Criminology & Criminal Justice Social Sciences Other

Description

Maqasid Forum publishes peer-reviewed articles on Islamic law, jurisprudence, and public policy, focusing on maqāṣid al-sharī‘ah and its modern application. It welcomes original research and critical studies that advance Islamic legal scholarship at both theoretical and practical levels. The ...