IMPLEMENTASI AKAD MUDHARABAH PADA TABUNGAN IMPIAN DI BRI SYARIAH KANTOR CABANG PURWOKERTO BANYUMAS

Miladia, Nur Khasanah (2019) IMPLEMENTASI AKAD MUDHARABAH PADA TABUNGAN IMPIAN DI BRI SYARIAH KANTOR CABANG PURWOKERTO BANYUMAS. Diploma thesis, IAIN Purwokerto.

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Abstract

The emergence of a variety of new products in Syari'ah banking also does not escape from the emergence of various new problems, such as the implementation of the Mudarabah contract in the Dream Savings at BRI Syariah Purwokerto Banyumas Branch Office. In the implementation or application of the Mudarabah contract on iB dream savings there are many differences from the theory obtained with practice in the banking world. The purpose of this study was to find out the application of the Mudarabah contract to the iB dream savings at BRI Syariah from theory to practice. The data used for this study are the results of interviews with BOS (Branch Operation Supervisor) and Account Office Generalis. The analytical method used in this study is a descriptive qualitative method, which is analyzing data by classifying data based on categories. Then it was described so that a comprehensive general description of the research problem was obtained. This type of qualitative research is a study where understanding is not found first, but is done after analyzing the reality. The subject of this study was conducted at BRI Syariah Purwokerto Banyumas Branch Office with the object of research on the implementation / application of the Mudarabah Agreement on Dream Savings. The author tries to present the application of the Mudarabah contract to the iB dream savings from the beginning of the account opening such as agreements / negotiations, approval of terms and conditions, filling in personal data, and initial deposit. Based on the results of the research and discussion by comparing the theory to practice, it can be concluded that the iB dream savings product at BRI Syariah Purwokerto Banyumas Branch Office regarding Mudarabah there are some that are in accordance with Islamic law and some are not yet in accordance with Islamic law. In the application of the Mudarabah contract to dream savings, there are also those who have not fully complied with the profit sharing theory of the DSN-MUI provisions. Fund management that is fully managed by the bank is then rotated or channeled to the fund manager (3rd party) and how to share funds between banks and customers which will then be adjusted between theory and practice. Because in this case the bank does not want losses. So that in theory to practice in real terms, not everything in theory can be applied to overall practice.

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