Gift Prize Program in the Easy Mudharabah Savings at BSI KCP Surabaya Rungkut 1: A Review of the DSN-MUI Fatwa

Abstrak

Ideally, Islamic banking should operate within the boundaries of Sharia, free from elements of riba (usury), maysir (gambling), and gharar (uncertainty). However, the reality at BSI KCP Surabaya Rungkut 1 reveals the implementation of a promotional program called Pesta Hadiah Raih Berkah, which potentially involves competitive elements, fund blocking requirements, and reward distribution based on deposit amounts—raising concerns about possible deviation from Sharia principles. This study aims to analyze the program's compliance with DSN-MUI Fatwa No. 86/DSN-MUI/XII/2012. Employing a qualitative approach with empirical legal and case study methods, the research gathers data through interviews with BSI representatives, supported by documentation and recent literature. The findings indicate that the program generally aligns with the fatwa, particularly regarding the source of funds and the form of rewards. However, aspects such as transparency and potential speculation still require careful oversight to ensure that promotional strategies do not violate Sharia values.