Analisis implementasi produk deposito mudharabah melalui pendekatan maqashid syariah: Studi kasus di PT. Bank Muamalat Indonesia Tbk. Cabang Rawamangun Jakarta

INDONESIA:

Salah satu produk penghimpunan dana (funding) yang ditawarkan oleh PT. Bank Muamalat Indonesia Tbk. Cabang Rawamangun Jakarta adalah deposito mudharabah . Produk ini sebagai perencanaan kebutuhan dana nasabah di masa mendatang yang memberikan dua manfaat utama yaitu Investasi jangka panjang dan Kesesuaianya dengan Konsep Maqashid syariah. Dari latar belakang tersebut maka peneliti memiliki 2 tujuan , yakni : (1) Menganalisis implementasi serta kendala deposito mudharabah di PT. Bank Muamalat Indonesia Tbk. Cabang Rawamangun Jakarta beserta penyelesaiannya. (2) Menjelaskan penerapan aplikasi deposito mudharabah di PT. Bank Muamalat Indonesia Tbk. Cabang Rawamangun Jakarta apakah sudah sesuai Maqashid syariah.

Penelitian ini dilakukan pada PT. Bank Muamalat Indonesia Tbk. Cabang Rawamangun Jakarta menggunakan metode penelitian kualitatif dengan pendekatan deskriptif disertai metode observasi, dokumentasi, serta interview dengan pihak bank yaitu Manager Funding, Customer Service, Back Office, dan Teller.

Berdasarkan hasil penelitian ini, dapat diketahui mengenai implementasi deposito mudharabah yaitu : (1) Aplikasi deposito mudharabah memenuhi Maqashid Syariah Dharuruiyyat dan tergolong pada kriteria Hifdzul maal (2) Dari hasil pengamatan peneliti aplikasi deposito mudharabah yang diterapkan sudah memenuhi kriteria Maqashid syariah hal ini diperkuat dengan tidak terdapat adanya transaksi yang mengandung unsur riba.

ENGLISH:

One of the products fund (funding) offered by the PT. Bank Muamalat Indonesia Tbk. Rawamangun Jakarta branch is mudharabah deposits. This product as the planning needs of customer funds in the future provide two main benefits are long-term investments and suitability with the concept of sharia maqashid. From this background, the researchers had two objectives, namely: (1) analyze the implementation and the constraints mudaraba deposits in PT. Bank Muamalat Indonesia Tbk. Rawamangun Jakarta branch and its completion. (2) Describe the application of deposits mudaraba application at PT. Bank Muamalat Indonesia Tbk. Rawamangun Jakarta branch if it is appropriate maqashid sharia.

This research was conducted at PT. Bank Muamalat Indonesia Tbk. Rawamangun Jakarta branch using qualitative research method with a descriptive approach with the method of observation, documentation, and interviews with banks namely Funding Manager, Customer Service, Back Office, and Teller.

Based on these results, it can be seen on the implementation of Mudharabah deposits, namely: (1) Application of Sharia maqashid deposits mudharabah meet Dharuruiyyat and classified on the criteria Hifdzul maal (2) From the observation researchers mudharabah deposit application meets the criteria applied sharia maqashid this is reinforced by there were no transactions that contain elements of usury