Implementation of Mudharabah Contract on Savings Products

This research aims to fill this knowledge gap and significantly contribute to the development of sharia banking in Indonesia, especially at BPRS Al Washliyah. This research uses a qualitative approach to understand and describe the phenomenon of implementing mudharabah contracts on deposit products at BPRS Al Washliyah. A qualitative approach allows researchers to collect rich and in-depth data through various data collection techniques, such as observation and interviews, which provide a more holistic insight into the phenomenon under study. This type of research is a case study chosen because it aims to understand and describe in depth the application of mudharabah contracts to deposit products at BPRS Al Washliyah as a unique case. This research identified several main obstacles faced by BPRS Al Washliyah in implementing mudharabah contracts for deposit products, including a lack of public understanding of these products, the complexity of application procedures, concerns about fund security, and competition with better-known conventional banks. Strategic recommendations have been proposed, such as improving public education, simplifying service procedures, increasing transparency of fund security, and adopting more innovative marketing strategies to overcome these challenges.