Analisis Penerapan Prinsip Syari’ah Terhadap Aplikasi Hasanah Card di BNI Syari’ah Kantor Cabang Surabaya

Abstract

The purpose of this study was to find out whether the Hasanah Card had actually implemented the Sharia Card Principles described in Fatwa DSN-MUI No. 54.The research method used is a descriptive approach by combining types of qualitative research. Data collection was conducted by interviewing the Hasanah Card Marketing Division, employees and Hasanah Card customers, direct participatory observation, and documentation. Data validity techniques use credibility techniques (internal validity), transferability (external validity), dependability (reliability), and confirmability (objectivity). Data analysis techniques use inductive, deductive, and comparative methods. The results of this study are the application of sharia principles on hasanah cards conducted by BNI Syariah KC Surabaya still not in accordance with Fatwa DSN-MUI No. 54. This can be seen from the DSN-MUI fatwa No.54 Based on the fatwa stipulated by the Sharia card, it cannot be used for transactions that are not in accordance with sharia. However, there is a difference between the DSN-MUI fatwa on sharia cards and the practices that occur in Islamic banks where credit card customers do not apply the use of Islamic credit cards in accordance with the provisions