In the 21st century, the number of APMK (Card-Based
Payment Instruments) is increasing every year. Syariah Card in
Indonesia has developed quite rapidly, this is influenced by the
contribution of the sharia card which cannot be underestimated in the
wheels of the economy. This product can provide convenience
services for cardholders such as cash shopping, zakat, insurance,
mobile banking, electricity payments, PDAM through interest-free
transaction of sharia contracts. However, until now the existence of the
syariah card is still being debated by various parties because it has
negative impacts including; 1) encourage customers to be
consumptive. 2) disrupt the main mission of Islamic banks in
encouraging the creation of the real sector. 3) customers tend to delay
bill payment. Apart from this, it is permissible for the sharia card to be
able to create benefit goals that are in line with the content of Maqashid
al-Syariah.
This study uses a qualitative approach to the type of case study
research. The data sources used are primary data which includes
direct and secondary research through books, journals and other
authorship articles. While the data collection procedure used
triangulation techniques with multiple / source techniques. Based on
data analysis, it is concluded that BNI Syariah Malang Branch Office
has been running according to the applicable sharia principles.
Besides the implementation of iB Hasanah card when viewed from
maqashid al-Sharia has met three tiers maqashid al-Sharia is
dharuriyah, hajiyah and tahsiniyah