Skripsi

PROSEDUR PRODUK TABUNGAN KAFFAH DENGAN AKAD MUDHARABAH MUTLAQAH PADA BANK SUMSEL BABEL

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Perbankan syariah merupakan sistem perbankan yang beroperasi berdasarkan prinsip syariah Islam, seperti larangan riba, keadilan, transparansi, dan kemitraan antara bank dan nasabah. Prinsip tersebut diterapkan melalui produk tabungan berbasis akad kerja sama, di mana keuntungan diperoleh dari kegiatan usaha yang halal dan produktif guna menciptakan hubungan yang adil dan saling menguntungkan. Tabungan Kaffah adalah produk tabungan syariah Bank Sumsel Babel yang menggunakan akad Mudharabah Mutlaqah, di mana nasabah bertindak sebagai pemilik dana dan bank sebagai pengelola dana. Keuntungan dibagikan berdasarkan nisbah yang disepakati, sedangkan kerugian ditanggung oleh pemilik dana sepanjang tidak disebabkan oleh kelalaian bank, sehingga mencerminkan prinsip keadilan dalam pengelolaan dana. Berdasarkan hasil pengamatan selama kegiatan magang, penerapan Tabungan Kaffah di Bank Sumsel Babel telah sesuai dengan prinsip perbankan syariah. Prosedur operasional menunjukkan kejelasan akad dan transparansi dalam mekanisme bagi hasil, sehingga Tabungan Kaffah berperan sebagai sarana penyimpanan dana sekaligus instrumen keuangan syariah yang meningkatkan kepercayaan masyarakat. Kata Kunci : Perbankan Syariah, Tabungan Kaffah, Mudharabah Mutlaqah Islamic banking is a banking system that operates based on Sharia principles, including the prohibition of interest, justice, transparency, and partnership between banks and customers. These principles are implemented through savings products based on partnership contracts, where returns are generated from halal and productive business activities to create a fair and mutually beneficial relationship. Kaffah Savings is an Islamic savings product offered by Bank Sumsel Babel that applies the Mudharabah Mutlaqah contract, in which customers act as fund owners and the bank serves as the fund manager. Profits are distributed according to an agreed profit-sharing ratio, while losses are borne by the fund owners as long as they are not caused by the bank’s negligence, reflecting fairness in fund management. Based on observations during the internship, the implementation of Kaffah Savings at Bank Sumsel Babel has been in accordance with Islamic banking principles. The operational procedures demonstrate clarity of contract and transparency in the profit-sharing mechanism, making Kaffah Savings not only a savings facility but also an Islamic financial instrument that enhances public trust. Keywords : Islamic Banking, Kaffah Savings, Mudharabah Mutlaqah

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Detail Information

Series Title

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Call Number

T1918692025

Publisher

Palembang : Prodi Diploma III Fakultas Ekonomi Universitas Sriwijaya., 2025

Collation

xii, 133 hlm.; ilus.; 29 cm

Language

Indonesia

ISBN/ISSN

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Classification

332.175 07

Content Type

Text

Media Type

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Carrier Type

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Edition

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Subject(s)

Bank dan perbankan syariah
Prodi Diploma III

Specific Detail Info

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Statement of Responsibility

TUTI

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