PARAMETER PENGEMBANGAN PRODUK-PRODUK PERBANKAN SYARIAH DENGAN PENDEKATAN MAQASID SYARIAH (Studi Kasus di Perbankan Syariah Kota Ponorogo)

Ahmad Muqorobin, Eko Nur Cahyo

Sari


Currently the development and growth of Islamic banking shows a positive trend that increas in every year. This encourages Islamic banks to produce innovative products which customer needs. However, the methods used to develop products differ from one country and another. For Indonesia, one parameter is needed to harmonize all product developments produced by Indonesian Islamic banking. The purpose of this study is to explore the challenges of current Islamic banking in producing products and make a parameter as a reference for developing Islamic banking products with the Maqāid Syarī'ah approach for the realization of maslahah. To achieve this research using several methods such as surveys, content and descriptive analysis. A product can produce benefit if the five elements in Maqāṣid Syarī'ah are achieved, namely; preservation of religion, life, intellect, wealth and progeny. The results of this study are expected to be able to contribute as a basic material or reference by Islamic banking institutions or Islamic financial institutions in developing their products to conform to sharia objectives.

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