Profit-Sharing Contracts in Qanun Sharia Financial Institutions in BSI Lhokseumawe

This study aims to determine the implementation of profit-sharing based contracts at BSI Lhokseumawe, and the obstacles faced and efforts of BSI Lhokseumawe in implementing profit-sharing based contracts based on Article 14 of Qanun Number 11 of 2018 concerning Islamic Financial Institutions. This study uses empirical research methods and empirical juridical approaches. Data were obtained through field research and library research. Data analysis was carried out qualitatively. The results of the study show that BSI Lhokseumawe has carried out financing by prioritizing profit-sharing based contracts but has not reached a percentage based on Article 14 of Qanun Number 11 of 2018 concerning Islamic Financial Institutions. Factors that become obstacles for BSI are internal factors in the form of twice the bank transfer process, and technical obstacles such as networking, as well as external factors in the form of a lack of knowledge of prospective customers or the public regarding Islamic banks and conventional banks. It is suggested to BSI be able to maximize achievement, especially in prioritizing profit-sharing based contracts for Small and Medium Enterprises (MSMEs) so that this empowerment can have a significant impact on achieving the percentage of profit-sharing-based contracts by the provisions of Article 14 paragraph (7) of Qanun Number 11 2018 concerning Islamic Financial Institutions. The community is expected to be able to learn about Islamic banks and conventional banks, to assist banks in implementing existing regulations. Urgensi penelitian ini untuk mengetahui implementasi akad berbasis bagi hasil pada BSI Lhokseumawe, dan kendala yang dihadapi serta upaya BSI Lhokseumawe dalam implementasi akad berbasis bagi hasil berdasarkan Pasal 14 Qanun Nomor 11 Tahun 2018 tentang Lembaga Keuangan Syariah. Penelitian ini menggunakan metode penelitian empiris dan pendekatan yuridis empiris. Data diperoleh melalui penelitian lapangan (field research) dan penelitian kepustakaan (library research). Analisis data ...