Rejection of Conventional Banks

Oct 13, 2025 by magicalceylontours.com 132 views

Analysis of Medan City Muslim Community View of Hajj Travel Costs (BPIH)

Introduction

The Hajj pilgrimage is one of the five pillars of Islam, and it is a mandatory duty for Muslims who have the financial means to perform it at least once in their lifetime. However, the cost of Hajj travel (BPIH) has become a significant concern for many Muslim communities around the world, including in Medan City, Indonesia. This study aims to analyze the views of Muslim communities in Medan City regarding the cost of Hajj Travel (BPIH) and to identify the factors that influence their perceptions.

Research Methodology

This study employed a qualitative and quantitative approach to collect primary data from Muslim communities in Medan City. The data were collected through interviews, observation, and questionnaires, which were distributed to a sample of 100 respondents. The data were then analyzed using SPSS 17.0, which allowed for various descriptive analysis methods. The results are presented in the form of simple tables, cross-tabulation (crosstab), and graphics to provide a better visualization of the views of the community.

Research Findings

The results of this study showed that the view of the Medan City Muslim community on the cost of Hajj Travel (BPIH) was quite positive and satisfying. Here are some of the main findings obtained:

General View of BPIH

The community shows a good attitude towards BPIH, where they feel that the cost is reasonable and acceptable. This shows that people understand the importance of the pilgrimage even though the cost is quite high. The respondents' comments on this issue were:

"The cost of BPIH is reasonable, considering the facilities and services provided."
"I feel that the cost of BPIH is acceptable, especially when compared to other pilgrimage destinations."
"The cost of BPIH is a small price to pay for the spiritual benefits that I will receive."

Rejection of Conventional Banks

Most respondents do not agree if BPIH is stored in conventional banks. They feel that the government should not appoint conventional banks as a place to store BPIH funds. This unrest reflects the desire of the community to follow the principles of sharia that avoid usury. The respondents' comments on this issue were:

"I do not agree with storing BPIH in conventional banks, as it goes against the principles of sharia."
"Conventional banks are not suitable for storing BPIH funds, as they charge interest and fees."
"The government should not appoint conventional banks as a place to store BPIH funds, as it will lead to corruption and exploitation."

Produce Sharing Policy

Medan City community generally assumes that there is no profit sharing from BPIH deposit to prospective pilgrims is the wrong policy. This shows the expectation of the community so that there is justice and transparency in the management of hajj funds. The respondents' comments on this issue were:

"The produce sharing policy is unfair, as it does not provide any benefits to the prospective pilgrims."
"The produce sharing policy is a form of exploitation, where the government and banks benefit at the expense of the pilgrims."
"The produce sharing policy should be abolished, as it goes against the principles of justice and transparency."

Transparency of the Ministry of Religion

The community wants the Ministry of Religion to be transparent in managing profit sharing from BPIH. This is important to build public trust in the management of hajj funds. The respondents' comments on this issue were:

"The Ministry of Religion should be transparent in managing profit sharing from BPIH, as it will build trust and confidence among the public."
"The Ministry of Religion should provide regular updates on the management of BPIH funds, as it will ensure accountability and transparency."
"The Ministry of Religion should establish a system of checks and balances to prevent corruption and exploitation in the management of BPIH funds."

Conclusion

Overall, the view of the Medan City Muslim community on the cost of the Hajj Travel (BPIH) shows a positive and critical attitude. The community expects changes in the hajj fund management policy, especially those related to the bank where to store and distribute results. Community involvement in understanding and providing input on this policy is very important. Therefore, the government and related institutions need to conduct further socialization and education so that the community can understand well about the pilgrimage funds and their rights as prospective pilgrims. Thus, it is expected that the pilgrimage process can take place more fairly and transparently.

Recommendations

Based on the findings of this study, the following recommendations are made:

Establish a transparent and accountable system for managing BPIH funds, which includes regular updates and a system of checks and balances.
Abolish the produce sharing policy, as it is unfair and exploitative.
Appoint a sharia-compliant bank to store and manage BPIH funds, which will ensure that the principles of sharia are upheld.
Conduct further socialization and education among the community to ensure that they understand the importance of transparency and accountability in the management of hajj funds.
Involve the community in the decision-making process regarding the management of BPIH funds, which will ensure that their voices are heard and their concerns are addressed.

By implementing these recommendations, it is expected that the pilgrimage process can take place more fairly and transparently, and that the rights of prospective pilgrims are protected.
Q&A: Analysis of Medan City Muslim Community View of Hajj Travel Costs (BPIH)

Introduction

In our previous article, we analyzed the views of Muslim communities in Medan City regarding the cost of Hajj Travel (BPIH). The study aimed to identify the factors that influence their perceptions and to provide recommendations for improving the management of hajj funds. In this Q&A article, we will address some of the most frequently asked questions related to the study.

Q: What is the main finding of the study?

A: The main finding of the study is that the view of the Medan City Muslim community on the cost of Hajj Travel (BPIH) is quite positive and satisfying. However, the community also expects changes in the hajj fund management policy, especially those related to the bank where to store and distribute results.

Q: What are the reasons behind the community's positive view of BPIH?

A: The community's positive view of BPIH is due to several reasons, including the reasonable cost, the importance of the pilgrimage, and the facilities and services provided. However, the community also expects transparency and accountability in the management of hajj funds.

Q: Why do the community reject conventional banks as a place to store BPIH funds?

A: The community rejects conventional banks as a place to store BPIH funds because they charge interest and fees, which goes against the principles of sharia. The community also expects the government to appoint a sharia-compliant bank to store and manage BPIH funds.

Q: What is the produce sharing policy, and why is it rejected by the community?

A: The produce sharing policy is a system where the government and banks benefit from the deposit of BPIH funds, while the prospective pilgrims do not receive any benefits. The community rejects this policy because it is unfair and exploitative.

Q: What are the recommendations of the study?

A: The study recommends establishing a transparent and accountable system for managing BPIH funds, abolishing the produce sharing policy, appointing a sharia-compliant bank to store and manage BPIH funds, conducting further socialization and education among the community, and involving the community in the decision-making process regarding the management of BPIH funds.

Q: How can the government and related institutions improve the management of hajj funds?

A: The government and related institutions can improve the management of hajj funds by implementing the recommendations of the study, including establishing a transparent and accountable system, abolishing the produce sharing policy, and appointing a sharia-compliant bank to store and manage BPIH funds.

Q: What are the implications of the study for the pilgrimage process?

A: The study has implications for the pilgrimage process, as it highlights the need for transparency and accountability in the management of hajj funds. By implementing the recommendations of the study, it is expected that the pilgrimage process can take place more fairly and transparently, and that the rights of prospective pilgrims are protected.

Q: How can the community be involved in the decision-making process regarding the management of hajj funds?

A: The community can be involved in the decision-making process regarding the management of hajj funds by participating in public consultations, providing input and feedback, and advocating for their rights and interests. The government and related institutions can also establish a system of representation and participation to ensure that the community's voices are heard and their concerns are addressed.

Conclusion

In conclusion, the Q&A article provides answers to some of the most frequently asked questions related to the study. The study highlights the need for transparency and accountability in the management of hajj funds and provides recommendations for improving the pilgrimage process. By implementing the recommendations of the study, it is expected that the pilgrimage process can take place more fairly and transparently, and that the rights of prospective pilgrims are protected.