Implementasi Akad Mudharabah Pada Tabungan Niat Haji Islamic Banking Bank Jambi UPS Muara Sabak

Abstract

Abstract Research has been conducted on the implementation of mudharabah contracts in the provision of Hajj Savings Account services at Islamic Banking Bank Jambi, Muara Sabak Sharia Service Unit. The implementation of Hajj savings based on mudharabah contracts faces challenges such as customer concerns about fund management not in accordance with Sharia principles, doubts about investment returns, and lack of accurate information regarding investment in the Hajj Savings fund. This study aims to investigate the implementation of mudharabah contracts and the effectiveness of applied risk management in the Hajj Savings Account product at Bank Jambi, Muara Sabak Sharia Service Unit. The research employs qualitative methods with data collection techniques through interviews, observations, and literature review. Findings show that the implementation of mudharabah contracts in Hajj savings not only complies with Sharia principles but also optimizes transparency, accountability, avoidance of gharar and riba, and risk management. This demonstrates that Sharia financial systems can be an effective and sustainable solution in meeting financial needs while considering principles of ethics and economic justice.