Penerapan Etika Bisnis Syari'ah dalam Pelayanan Pada PT Bank Pembiayaan Rakyat Syariah (BPRS) Mentari Pasaman Saiyo

Alhapis (Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi)
Rahmi (Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi)

Muamalah Insights
Vol. 1 No. 4 (2026): Desember : 2026

This research is motivated by the importance of implementing sharia business ethics in improving the quality of service in Islamic financial institutions. As an institution based on Islamic principles, PT BPRS Mentari Pasaman Saiyo is required to implement the values of honesty, trustworthiness, justice, and responsibility in every service activity to customers. However, based on the results of initial observations, the implementation of sharia business ethics in services still faces several obstacles, such as the less than optimal implementation of the principles of siddiq, amanah, tabligh, and fathanah and the need for increased supervision of employee behavior. Therefore, this study aims to analyze the implementation of sharia business ethics in customer service and identify obstacles and efforts made by PT BPRS Mentari Pasaman Saiyo. This study uses a qualitative approach with a descriptive method. Data were obtained through interviews with branch managers, employees, and customers of PT BPRS Mentari Pasaman Saiyo. Primary data were obtained directly from informants, while secondary data came from company documents/data. Data analysis was carried out through the stages of data reduction, data presentation, and conclusion drawing. The research results indicate that the implementation of Sharia business ethics at PT BPRS Mentari Pasaman Saiyo aligns with the principles of Sharia business ethics, instilling the values of monotheism, honesty, trustworthiness, justice, and responsibility in service activities. Employees are trained to understand that work is part of worship, and therefore, customer service must be carried out in accordance with Sharia principles. Furthermore, every decision is made by considering information transparency, a balance of rights and obligations, and the interests of both customers and the company. However, several obstacles remain in its implementation, such as limited customer understanding of products and contracts, as well as the need to strengthen the internal oversight system. Therefore, improving guidance, evaluation, and supervision is a crucial step to strengthen the consistent implementation of Sharia business ethics.