Indonesian Journal of Multidisciplinary Sciences (IJoMS)

An Analysis of the Management of the 'Tasbih' Hajj Savings Product at Bank Sumsel Babel Based on the Wadi’ah Principle in the Perspective of DSN-MUI Fatwa No. 02/DSN-MUI/IV/2000

Rafika Aulia, Meydiah Astuti, Nova Rahmadaniarti — Mon, 30 Jun 2025 00:00:00 +0700

Hajj savings is a Sharia-compliant financial product designed to facilitate Muslims in preparing for and financing the pilgrimage to Mecca. This product allows customers to open a special savings account, make an initial deposit, and settle the Hajj Travel Cost (BPIH). The funds in this account are not withdrawable at any time, but are subject to specific regulations. This study aims to analyze the management of the "Tasbih" (Tabungan Siap Beribadah Haji) savings product at Bank Sumsel Babel based on the wadi’ah principle, as outlined in the DSN-MUI Fatwa No. 02/DSN-MUI/IV/2000. The Tasbih product is a type of Hajj planning savings account that uses the wadi’ah yad dhamanah contract, which refers to a safekeeping agreement whereby the bank is permitted to utilize the deposited funds while guaranteeing full return to the customer. This study adopts a descriptive qualitative approach through literature review and interviews with relevant stakeholders at Bank Sumsel Babel. The findings indicate that the management of the Tasbih product complies with Sharia principles, particularly those stipulated in the aforementioned fatwa. While the bank does not promise bonuses, it voluntarily provides hibah (gifts) based on financial performance, and the customers' funds are managed with integrity and trust. Thus, the Tasbih savings product is deemed to fulfill Sharia compliance and serves as a financial solution for individuals planning their Hajj journey in a gradual and well-organized manner.

Public Administration: Contemporary Issues and Considerations in Pakistan

Abdul Rahim Chandio — Mon, 30 Jun 2025 00:00:00 +0700

This study aims to delineate the issues affecting the contemporary public administration and highlight the scholarly tension in its theoretical and intellectual aspects. The emerging problems faced by the discipline encompass the historical conflicts, limitation complications, and vagueness in scope, definition, and methodology of public administration. In a context of technological growth, integration of business and nonprofits, unfixed limitations of legality to public policy making and execution, traditional tug of war of politics and administration dichotomy by practitioners also address the public administration in doldrums. Influencing impacts of globalization, complementary approaches to public administration, outdated boundary lines between administration, transparency and administrative accountability, bureaucratic flaws and acceptance of managerial innovative techniques raise the questions in the discipline. The given literature of public administration issues entailed to identify the paradigm tension, limitation and scope, definitional vagueness, contradicting approach, and teaching and methodological tautness. Attaining the purpose of the research exploratory method and secondary source of the data collection used to meet the criteria of the study.

Customer Satisfaction with BSI Mobile: A Review of Features, User Experience, and Security Among the People of Palembang City

Adelia Ramadhanti, M. Rasyid Redho Pratama, Dian Horid — Mon, 30 Jun 2025 00:00:00 +0700

Advancements in technology have spurred innovation within the banking industry, particularly through the digitalization of services such as BSI Mobile. This research aims to analyze the influence of product features, user experience, and security on customer satisfaction at Bank Syariah Indonesia KC Palembang Sudirman. The study employs a quantitative approach, utilizing IBM SPSS 23 for statistical analysis. Primary data were collected through questionnaires distributed to 100 respondents, all of whom are users of the BSI Mobile application at the aforementioned branch. The analytical techniques applied include tests of validity and reliability, classical assumption testing, multiple linear regression analysis, and hypothesis testing using the t-test, F-test, and coefficient of determination (R²). The findings reveal that the product feature variable does not significantly influence customer satisfaction. However, both user experience and security variables have a positive and significant impact on satisfaction levels. Furthermore, when examined collectively, the three variables, product features, user experience, and security, simultaneously influence customer satisfaction in using BSI Mobile at Bank Syariah Indonesia KC Palembang Sudirman.

Implementation of Islamic Marketing Ethics at Bank Mega Syariah Sub-Branch Office (KCP) Palembang

Listiawati, Muhammad Faris Afif, Zikri Rahmani, Tazhirowati — Mon, 12 May 2025 00:00:00 +0700

This study aims to analyze the implementation of Islamic marketing ethics at Bank Mega Syariah Sub-Branch Office (KCP) Palembang. Islamic marketing ethics refer to principles derived from Islamic teachings in marketing activities, emphasizing honesty, fairness, responsibility, and the absence of fraud or exploitation. This research employs a qualitative descriptive approach. Data were collected through in-depth interviews with management and marketing staff, direct observation, and documentation. The findings indicate that Bank Mega Syariah KCP Palembang has consistently applied the principles of Islamic marketing ethics, particularly in terms of honest product information, transparency in contracts (akad), fair service to customers, and avoiding excessive promotional practices. However, some challenges remain, such as limited understanding among certain marketing personnel regarding Islamic principles and the pressure to meet business targets. Therefore, enhanced internal training based on Islamic values is necessary to strengthen commitment and improve service quality in accordance with sharia principles.

Non-Compliance Of Tun Officials Towards Ptun Decisions From The Perspective Of Fiqih Siyasah: A Case Study In Seluma Regency

Hartanto, Ismail Jalili, John Kenedi — Wed, 18 Jun 2025 00:00:00 +0700

This study discusses the phenomenon of non-compliance of State Administrative (TUN) officials in Seluma Regency with the decisions of the State Administrative Court (PTUN) which have permanent legal force. Failure to implement PTUN decisions has a negative impact on legal certainty and reduces public trust in the justice system. This study uses a qualitative approach through a case study in Seluma Regency with in-depth interview data collection techniques and documentation studies. The results of the study indicate that the main causes of non-compliance are weak supervision, political intervention, low legal awareness of officials, and weak implementation of administrative sanctions. From the perspective of fiqh siyasah, non-compliance of officials violates the principles of justice and trust in leadership, so solutions are needed based on increasing accountability, legal education, and bureaucratic reform. The recommendations of this study include strengthening sanctions, transparency in the implementation of PTUN decisions, and socialization of fiqh siyasah values in governance.

Dinamika Hubungan antara Pembimbing Kemasyarakatan dan Klien Dewasa Dalam Proses Pembimbingan di Balai Pemasyarakatan Kelas I Palembang

Lydhia Oktarina — Mon, 30 Jun 2025 00:00:00 +0700

Penelitian ini bertujuan untuk menganalisis dinamika hubungan antara Pembimbing Kemasyarakatan (PK) dan klien dewasa dalam proses pembimbingan di Balai Pemasyarakatan (Bapas) Kelas I Palembang. Hubungan antara PK dan klien dewasa merupakan aspek penting dalam mendukung keberhasilan reintegrasi sosial serta proses pembinaan klien yang sedang menjalani pidana di luar lembaga pemasyarakatan. Pendekatan yang digunakan dalam penelitian ini adalah kualitatif deskriptif dengan teknik pengumpulan data melalui wawancara mendalam, observasi, dan dokumentasi. Hasil penelitian menunjukkan bahwa dinamika hubungan antara PK dan klien dipengaruhi oleh beberapa faktor, antara lain komunikasi interpersonal, tingkat kepercayaan, latar belakang sosial klien, serta beban kerja PK. Meski terdapat tantangan seperti resistensi dari klien dan keterbatasan sumber daya, sebagian besar PK mampu menjalin relasi profesional yang empatik dan mendukung perubahan perilaku klien. Penelitian ini merekomendasikan penguatan kapasitas komunikasi dan pendekatan personal PK sebagai kunci peningkatan kualitas pembimbingan di Bapas.