Evaluating The Practice of Wakalah bi Al-Ujrah in Fund Transfers: Insights from a Rural Islamic Bank in Indonesia
Abstract
This study examines the implementation of Wakalah bi al-Ujrah contracts in fund transfer services at BPRS Bhakti Sumekar, an Islamic rural bank in Indonesia. As a Shariah compliant agency-based contract, Wakalah bi al-Ujrah allows customers to authorize the bank to conduct transactions on their behalf in exchange for a service fee. Using a qualitative case study approach, data were collected through interviews, observation, and document analysis. The findings show that while the contract structure aligns with Shariah principles, operational inefficiencies such as system disruptions and limited customer understanding affect service quality and consistency. This research highlights the need to strengthen internal procedures, improve customer education, and invest in operational infrastructure to enhance both efficiency and Shariah compliance in Islamic rural banking practices.
Keywords
References
Amri, Metodologi Penelitian Ekonomi Dan Penerapannya (IPB Press, 2009)
Arwin, Dewianti Ulandari, and Muzdalifah Muhammadun, ‘Exploration Of Employee Knowledge About Financing Products : A Study At Bank Muamalat ’, Islamic Banking: Jurnal Pemikiran Dan Pengembangan Perbankan Syariah, 10.2 (2025), pp. 483–506
BBS Mobile. 2022. https://www.bhaktisumekar.co.id/v2/bbs-mobile/.
Farhan Hamim, Rafiqi, Iqbal, ‘Reduction of Excellent Service Strategy in Increasing Customer Loyalty at BPRS Bhakti Sumekar Madya Pamekasan Branch Office’, Masyrif : Jurnal Ekonomi, Bisnis Dan Manajemen, 4.2 (2023), pp. 253–64
Fatwa DSN No.113/DSN-MUI/IX/2017 tentang Akad Wakalah bil ujrah.
Febriani, Nufian S, dan Wayan Weda Asmara Dewi. 2008. Perilaku Konsumen di era digital. UB Press.
Fransiska, Chindy. 2019. “Tinajauan Fiqih Muamalah Terhadap Fee dalam Praktik Jasa Titip Barang Online (Studi Kasus Pada Princesssist Online Shop.”
Hidayat, Rachmat. 2009. “Pengaruh Kualitas Layanan, Kualitas Produk dan Nilai Nasabah Terhadap Keputusan dan Loyalitas Bank Mandiri.” Jurnal manajemen dan kewirausahaan III.
Khalil, Abdul Wahab, ‘Transfer Dana Dalam Perspektif Hukum Islam’, Al Hurriyah: Jurnal Hukum Islam, 15.2 (2018), pp. 23–41
Madinah, Siti Hasnaa, Putri Karunia Sari, dan Isnaini Rofiqoh. 2019. Vol. 9 Analisis Akad Wakalah Bil UJrah Pada Jasa Titip Beli Online Dalam Sebuah Aplikasi Media Sosial Instagram. UIN Sunan Ampel Surabaya: el-Qist.
Maftuhatul Faizah, Iqbal rafiqi, ‘Strategi Fundraising Zakat Infaq Shadaqah Di Lazisnu Dan Lazismu Di Kabupaten Pamekasan’, Journal Of Islamic Economic Business, 1.1 (2020), pp. 21–41
Maulida, Sri, Ahmadi Hasan, and Masyitah Umar, ‘Implementasi Akad Pembiayaan Qard Dan Wakalah Bil Ujrah Pada Platform Fintech Lending Syariah Ditinjau Berdasarkan Peraturan Otoritas Jasa Keuangan ( OJK ) Dan Fatwa DSN-MUI’, Al-Tijary, Jurnal Ekonomi Dan Bisnis Islam, 5.2 (2020), pp. 175–89
Murlisa, Lia, Annisa Mellani, Rozatul Fitri, and Eli Aksiyah, ‘Akad Murabahah Bil Wakalah Pada Pembiayaan Jual Beli Di Koperasi Permodalan Nasional Madani Mekar Cabang Aceh Barat’, 2.2 (2022), pp. 81–92, doi:10.47498/maqasidi.vi.1423
N Nurhadi, ‘Halal Haram Akad Murabahah Bil Wakalah Pembiayaan Perbankan Syariah’, Jurnal Hukum Ekonomi, 6.1 (2020), pp. 75–96
Nor Lailina Ulfa, Iqbal Rafiqi, ‘Pengaruh Fee Based Income Terhadap Return on Asset (ROA) Di PT. Bank Syariah Mandiri’, Al-Ulum, 9.3 (2022), pp. 336–47
Putri, Dyah Widhowaty Eko Purnomo, and Agus Widarjono, ‘Effect of Stability and Funding Risk on Shariah Rural Bank’s Profitability’, Jurnal Ekonomi Syariah Teori Dan Terapan, 10.6 (2023), pp. 620–31, doi:10.20473/vol10iss20236pp620-631
Rafiqi, Iqbal, and Aliyatul Hasanah, ‘Peran Asimetris Spillover Indeks Syariah Cina Terhadap Indeks Syariah Indonesia Selama Pilpres 2024’, Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 10.2 (2025), pp. 1425–34, doi:https://doi.org/10.30651/jms.v10i2.26456
Rafiqi, Iqbal, and Zulha Fauli Majdi, ‘Pengaruh Dana Pihak Ketiga (DPK), Capital Adequacy Ratio (CAR), Non Performing Financing (NPF) Terhadap Pembiayaan Pada PT. Bank Muamalat Indonesia Periode 2018-2022’, Values: Jurnal Kajian Islam Multidisiplin, 2.3 (2025), pp. 367–77
Rafiqi, Iqbal, Zulha Fauli Majdi, Maftuhatul Faizah, Mujibno, and Supriyadi, ‘Korelasi Dana Pihak Ketiga, Capital Adequacy Ratio , Non Performing Financing Terhadap Pembiayaan Pada PT. Bank Muamalat Indonesia’, Jurnal Perbankan Syariah, 4.1 (2025), pp. 172–87
Rafiqi, Iqbal, Tirmidi, Holilur Rahman, Mujibno, Imam Buchari, and Maftuhatul Faizah, ‘Typology Of Sharia-Compliant Business Capital Services to Support The Economic Development of Rural Communities’, Assyarikah : Journal of Islamic Economic Business, 5.2 (2024), pp. 272–85
Rafiqi, Iqbal, Miftahul Ulum, Moh Helmi Hidayat, and Achmad Jufri, ‘Risk Mitigation Strategy in Financing Without Collateral at PT . BPRS Sarana Prima Mandiri Pamekasan’, Journal of Islamic Economics Perspectives, 5.2 (2023), pp. 94–104
Rahman, Holilur, and Wawa Putri, ‘The Effectiveness of Sukuk Program Utilization In Increasing Community Income ( Case Study of BSI Pamekasan Branch Office )’, Masyrif : Jurnal Ekonomi, Bisnis Dan Manajemen, 5.1 (2024), pp. 95–106
Rusli Romadhoni, Iqbal Rafiqi, Imani, ‘Strategi Marketing Syariah Tabungan Gaul IB Bagi Generasi Millenial Pada BPRS Bhakti Sumekar Sumenep’, Ilmu Manajemen, 1.2 (2021), pp. 66–71
Skinner, Chris, ‘Valueweb : How Fintech Firms Are Using Mobile and Blockchain Technologies to Create the Internet of Value’, 2016
Sugiyono, Metode Penelitian Kuantitatif, Kualitatif (ALFABETA, 2017)
———, Metode Penelitian Kuantitatif Kualitatif Dan R & D (ALPABETA, 2013)
Sumitro, Warkum. 2004. Asas-asas Perbankan Islam dan Lembaga-LembagaTerkait. Jakarta: PT. RajaGrafindo.
Susamto, Akhmad Akbar, ‘Profit-and-Loss Sharing Financing, Operating Expenses, and the Intermediation Costs of Islamic Rural Banks in Indonesia’, Journal of Islamic Monetary Economics and Finance, 10.2 (2024), pp. 379–96, doi:10.21098/jimf.v10i2.1914
Wahidmurni, ‘Pemaparan Metode Penelitian Kualitatif’, UIN Maulana Malik Ibrahim Malang, 4 (2017), pp. 1–17
Widiastuti, Ekaningtyas, Dian Purnomo Jati, and Alisa Tri Nawarini, ‘Analisis Dampak Inovasi Layanan Keuangan Berbasis Teknologi Dan Literasi Keuangan Terhadap Perilaku Keuangan’, Prosiding Seminar Nasional Dan Call for Papers, 10.1 (2020)
Zaid Raya Argantara, and Nurul Annisa, ‘Analisis Faktor-Faktor Minat Nasabah Dalam Menabung Di Bank Syariah’, An-Nisbah: Jurnal Perbankan Syariah, 4.2 (2023), pp. 255–66, doi:10.51339/nisbah.v4i2.1131
DOI: 10.28944/masyrif.v6i1.2108
Refbacks
- There are currently no refbacks.
This work is licensed under a Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International License.
