Evaluasi sistem penerimaan setoran biaya penyelenggaraan ibadah haji pada bank syariah dan bank konvensional

INDONESIA:

Tujuan penelitian ini untuk mengetahui dan mengevaluasi sistem penerimaan Biaya Penyelenggaraan Ibadah Haji (BPIH) pada Bank Syariah dan Konvensional yang telah diterapkan serta mengetahui kendala sistem baru yang diterapkan bank berdasarkan antruran Kementerian Agama Republik Indonesia.

Metode yang digunakan dalam penelitian ini adalah deskriptif kualitatif dengan objek penelitian prosedur penerimaan setoran Biaya penyelenggaraan Ibadah Haji PT. Bank Muamalat Indonesia Tbk Cabang Malang dan PT. Bank Rakyat Indonesia Tbk Kantor Cabang Blitar. Data yang diperoleh dievaluasi dengan menggunakan pendekatan Committee of Sponsoring Organization of The Treadway Commission (COSO)Framework.

Hasil penelitian mengindikasikan bahwa sistem penerimaan setoran BPIHpada Bank Muamalat Indonesia Cabang Malang dan Bank Rakyat Indonesia Kantor Cabang Blitar belum berjalan dengan baik dan efektif. Hal ini dikarenakan adanya struktur organisasi dan jobdescription yang tidak tersusun dengan rapi, sistematis serta teratur, dokumen perjanjian akad yang belum lengkap serta format dokumen yang terlihat menyulitkan nasabah,kurangnya sosialisasi mengenai kebijakan baru Kementerian Agama Republik Indonesiamengenai bank transito danSistem Komputerisasi Haji Terpadu (SISKOHAT) yang mengalami trouble saat awal pembukaan pelunasan dan pada akhir pelunasan.

ENGLISH:

The purpose of this study was to determine and evaluate the system acceptance Hajj Operation Costs (BPIH) on Islamic Banking and Conventional constraints have been applied as well to know a new system based on the rule that the bank applied the Indonesian Ministry of Religious Affairs.

The method used in this research is descriptive qualitative research procedures with the object of holding fee deposit receipt Hajj Bank Muamalat Indonesia Tbk Branch Malang and Bank Rakyat Indonesia Tbk Branch Office Blitar. The data obtained were evaluated by using the approach of the Committee of Sponsoring Organizations of the Treadway Commission (COSO) Framework.

The results of the study indicate that the deposit receipt system BPIH Branch at Bank Muamalat Indonesia and Bank Rakyat Indonesia Malang Branch Office Blitar has not been going well and effectively. This is due to the organizational structure and job description are not neatly arranged, systematic and regular, contract agreement documents are not complete and document formats that look difficult customers, lack of socialization of the new policy the Ministry of Religious Affairs of the Republic of Indonesia on the bank transit and Haji Integrated Computerized Systems (SISKOHAT) who have trouble at the beginning of the opening of the repayment and redemption at finished.