THE ROLE OF BANK MUAMALAT INDONESIA KCP KEPANJEN IN DETERMINING CUSTOMER DECISIONS USING HAJJ PROGRAM FINANCING PRODUCTS (PROHAJJ) WITH THE QARDH WAKALAH BIL UJRAH AGREEMENT

This service activity aims to find out how the Qardh Wakalah bil Ujrah agreement is
implemented in Hajj program financing products at Bank Muamalat Indonesia KCP
Kepanjen, as well as providing information about the existence of Hajj program
financing products in Kepanjen where the majority of Indonesian people are
Muslims. It can be seen from the enthusiasm of Indonesian Muslims following the
decree signed by the Minister of Religion Yaqut Cholil Qoumas KMA No. 189 of
2023 concerning the Indonesian Hajj Quota for 1444 H/2023 AD amounting to
221,000, consisting of 203,320 regular hajj quotas and 17,680 hajj quotas special. So,
one of the roles of Sharia banking is to provide Hajj program services that can make
it easier for Muslims to perform the Hajj. This writing uses a descriptive qualitative
method, the authors describe the research object by taking notes, observing and
interviewing everything related to this research, and aligning it with primary and
secondary data sources. The respondent for this writing is the Relationship Manager
of Bank Muamalat Indonesia KCP Kepanjen. direct or indirect observation of the
object under study and data collection with related documents. The results of this
writing show that the Hajj Financing product at Bank Muamalat Indonesia at Kcp
Kepanjen uses the Qardh Wakalah Bil Ujrah contract, namely funds lent by the bank
to prospective Hajj customers