Menabung Emas Sesuai Syariah: Telaah Implementasi Prinsip Syariah di Bank BTN Syariah

Authors

  • Fitri Otaviyani Institut Agama Islam Negeri Pare Pare
  • Dian Anugrah Institut Agama Islam Negeri Pare Pare
  • Nabila Husaini Institut Agama Islam Negeri Pare Pare
  • Muh Al-Furqan Nugrawahyu Institut Agama Islam Negeri Pare Pare

DOI:

https://doi.org/10.55123/ekonom.v2i1.435

Keywords:

Sharia Principles, Gold Savings iB, Mudharabah Contract, Bank BTN Sharia, Parepare

Abstract

This study aims to analyze the implementation of sharia principles in the iB Gold Savings product at Bank BTN Syariah Parepare Branch Office. The focus of the study includes the implementation of the Mudharabah Mutlaqah contract, profit-sharing mechanisms, management transparency, and the role of the Sharia Supervisory Board (DPS) in ensuring operational compliance with Islamic law. This study uses a qualitative descriptive method with data collection techniques through interviews, observations, and documentation studies. The results show that Bank BTN Syariah Parepare has implemented sharia principles optimally in all operational aspects. The Mudharabah contract is implemented with a fair profit-sharing system, namely 25% for customers and 75% for the bank, without any elements of usury, gharar, or maysir. Collaboration with PT Antam ensures the authenticity and security of customers' gold investments. In addition to providing ease of investment, the implementation of sharia principles also strengthens trust, loyalty, and the image of BTN Syariah as a financial institution based on Islamic values. The iB Gold Savings product has proven to be not only financially profitable, but also spiritually valuable because it is in line with the goals of justice and welfare in the Islamic economic system.

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References

Hernando, Y., & Aravik, H. (n.d.). Strategi Pemasaran Tabungan Btn Emas Ib Pada Masa Pandemi Covid-19 Di Bank BTN Syariah KC Kapten A . 447–462.

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Sidiq, A. W., Romadon, A. S., & Rizkiana, C. (2025). Sosialisasi Tabungan Emas sebagai Sarana Investasi Bagi Ibu Rumah Tangga RT 08 RW 15 Kel . Meteseh Kota Semarang Socialization of Gold Savings as an Investment Tool for Housewives in RT 08 RW 15 , Meteseh Village , Semarang City Universitas Semarang , Ind. 2.

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Published

2026-02-15

How to Cite

Fitri Otaviyani, Dian Anugrah, Nabila Husaini, & Muh Al-Furqan Nugrawahyu. (2026). Menabung Emas Sesuai Syariah: Telaah Implementasi Prinsip Syariah di Bank BTN Syariah. Jurnal Bersama Ilmu Ekonomi (EKONOM), 2(1), 43–48. https://doi.org/10.55123/ekonom.v2i1.435

Issue

Vol. 2 No. 1 (2026): Februari 2026

Section

Articles

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Copyright (c) 2026 Fitri Otaviyani, Dian Anugrah, Nabila Husaini, Muh Al-Furqan Nugrawahyu

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