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All Journal International Journal of Religious and Cultural Studies
Nitri Mirosea
Universitas Halu Oleo, Kendari, Indonesia
Religion Humanities Economics, Econometrics & Finance Education Social Sciences

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Analysis of Sharia Compliance in the Implementation of Hajj Saving Product Sulvariany Tamburaka; Nitri Mirosea; Hendriawan Hendriawan
International Journal of Religious and Cultural Studies Vol 3 No 1 (2021): International Journal of Religious and Cultural Studies
Publisher : Yayasan Rumah Peneleh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34199/ijracs.2021.04.04

Abstract

This study aims to investigate the implementation of sharia compliance of a hajj saving product. The data analysis method used was descriptive analysis with quantitative approach. The data collection method employed was open questionnaire and documentation.The result shows that Hajj saving product of BNI Baitullah IB Hasanah was in accordance to guideline of Syariah principles namely: Justice, Balance (al ‘adl wa tawazzun), Security (al maslahah), Universalism, and free of gharar and riba. Hajj saving of BNI Baitullah IB Hasanah is based on two agreements namely (1)wadiah yad dhamanah which means that the form of depositing funds between the owner of the fund and the recipient of the deposit that is trusted to safeguard the funds; and secondly (2) mudharabah mutlaqah, which is an agreement between capital owners and the bank whereas the funds deposited in the bank is managed and distributed to those who needs fund.
Co-Authors Hendriawan Hendriawan Sulvariany Tamburaka