USE OF HAJJ SAVINGS WITH MUDHARABAH CONTRACT AT BANK SYARIAH INDONESIA

Abstract

This study examines Hajj Savings products at Bank Syariah Indonesia, motivated by the desire of Indonesian Muslims to perform the Hajj. The goal is to find out the procedure for opening an account, the application of mudharabah contracts, and the profit sharing ratio from an Islamic economic perspective on the product. This study uses a descriptive qualitative method through observation, interviews with BSI Customer Service via online (CS chat). The results show that the opening of a Hajj Savings account can be done online (via BSI Mobile) or offline (at branch offices). The mudharabah contract is applied in the form of term savings for special purposes of Hajj with funds that cannot be taken at any time. The implementation of the profit sharing ratio uses a revenue sharing system in accordance with the DSN-MUI fatwa No.02/DSN-MUI/IV/2000, so that it is expected to help people save for Hajj without worrying about funds mixed with usury.