Analisis Implementasi Fatwa DSN-MUI Nomor 54 Tahun 2006 Terhadap Produk iB Hasanah Card Bank BNI Syariah

  • Teny Khotimah Arzani Program Studi Perbankan Syariah FAI UNISMA Bekasi
  • Isfandayani - Program Studi Perbankan Syariah FAI UNISMA Bekasi
Keywords: iB Hasanah Card, Fatwa and Bank BNI Syariah


This study describes the implementation of the iB Hasanah Card operational financing at BNI
Syariah Bank which is adjusted to the DSN-MUI Fatwa Number 54 of 2006 (Syariah Card), to find
out the suitability between the iB Hasanah Card operations against the sharia card mechanism
based on the fatwa. The method used in this research process is a qualitative descriptive analysis
method. Retrieval of data in the form of primary data, and secondary data, primary data obtained by
conducting interviews with the BNI Syariah Bank. Literature study was obtained from books, journals,
official websites and documents relating to the iB Hasanah Card. The data analysis technique was
carried out with three steps, namely data reduction, data presentation, and drawing conclusions from
the results of the data analysis as evidenced by the validity of the data through source triangulation
techniques. The results of this study indicate that the BNI Syariah Bank in general in carrying out the
operational iB Hasanah Card as a whole is in accordance with the fatwa DSN-MUI No.54 / DSNMUI
/ X / 2006. However, there are a number of points from the iB Hasanah Card program features
and provisions regarding restrictions that should need special attention and be reviewed, because
the contents contained in the fatwa are usually general or comprehensive, not specific or detailed.
Like, smart spending and danlus features on iB Hasanah Card that are not listed in the fatwa. Other
provisions include differences in fee provisions and the application of ta’widh fees, the calculation of
which is based on the time period of delay and the type of card not based on the actual loss incurred
by the bank during billing.