ABSTRACT

This research was conducted in order to determine the implementation of the principle of sharing the savings products at Bank Mandiri Branch Rengat Shariah. In this study, the data used is primary data by conducting interviews with employees of Bank Mandiri Branch Syari'ah Rengat and collect documents. This research was descriptive qualitative.

Results of this study are as follows: (1) the characteristics of the principle of sharing the savings products in Shariah Bank Mandiri Branch Office Rengat form of savings and deposits BSM BSM Mudharabah contract Muthalaqah; (2) Implementation of the principle of sharing the savings products in Shariah Bank Mandiri Branch Office Rengat based perbanding for hash! (ratio) between the bank and its customers for BSM Mudharabah savings products by 60%: 40%. Then to perbanding for results (ratio) between the bank and its customers for the product BSM Mudharabah deposits by 48%: 52%. Mudharabah savings profit sharing calculation is based on average daily balance is calculated at the end of each month and at the beginning of the next book. The level of customer development for the yield on savings products in Shariah Bank Mandiri Cab Office. Maid Rengat showed no significant improvement. This could happen because of the many factors that affect the principle of sharing the profit and savings products at Bank Shariah Mudharabah deposits.

Keywords: Implementation, Sharing, Savings Products

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