Implementasi Program Hadiah Langsung Dalam Produk Perbankan Syariah (Studi Kasus Program Jakone Vaganza di Bank DKI Syariah)
DOI:
https://doi.org/10.58344/locus.v4i9.4801Keywords:
Bank DKI Syariah, Hadiah, CashbackAbstract
Penelitian ini menganalisis implementasi program hadiah langsung berupa cashback dalam produk perbankan syariah, dengan studi kasus program JakOne Vaganza di Bank DKI Syariah. Fokus penelitian adalah menilai kesesuaian mekanisme hadiah dengan Fatwa DSN-MUI Nomor 86/DSN-MUI/XII/2012, yang menyatakan hadiah harus berupa barang atau jasa, bukan uang. Penelitian menggunakan pendekatan kualitatif dengan wawancara mendalam kepada pihak bank dan Dewan Pengawas Syariah (DPS). Hasil penelitian menunjukkan bahwa cashback dalam JakOne Vaganza diberikan dalam bentuk dana yang otomatis masuk ke rekening nasabah, namun dana tersebut harus digunakan untuk membeli barang atau jasa. Jika nasabah melakukan penalti, mereka harus mengembalikan hadiah dan membayar denda 10%. Secara umum, praktik hadiah ini sesuai dengan Fatwa DSN-MUI dalam hal penghindaran maisir, gharar, dan riba, namun ada ketidaksesuaian karena hadiah seharusnya berupa barang atau jasa dan tidak menjadi kebiasaan (‘urf). Evaluasi lebih lanjut diperlukan untuk kesesuaian dengan prinsip syariah.
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