| dc.description.abstract | This research is aimed at identifying Sharia characteristic and level of compliance toward
its Hajj saving product, as well as at identifying the implementation of Hajj saving product at
BNI Sharia.
The type of the research was qualitative research in which the determination of the
sample was taken through purposive random sampling; that is a research methodology on
characterized population to determine research sample. Data in the research was compiled
through observation, documentation and interview conducted directly to the respondents who are
the customers of BNI Sharia. The interview was conducted on 10 respondents of customers, and
1 respondent as the head of the bank. The approach done in the research was descriptive
research; that is a research to describe facts and problems occurred in the designated scope of the
study which later be interpreted rationally to draw a conclusion.
The result of the research indicates that Hajj saving product is characterized by having 2
covenants, those are Wadiah and Mudharabah. Wadiah covenant is saving whilst Mudharabah
covenant is profit sharing between bank and customers. Mudharabah covenant has met Sharia
compliance, since the covenant has been informed earlier during the account registration and that
there is no mal-practice that brings disadvantageous for customers. Meanwhile, saving product of
iB Hasnah is only for the purpose of Hajj and can’t be used for any other purposes. The
implementation of Hajj saving product has met Sharia principles or Sharia compliance. In each
of its implementation flow, starting from the account registration until the Hajj departure, no
element that violates Sharia compliance. | en_US |
