Lottery Prizes and Islamic Law Review on Mudharabah Savings Products at BMT Ar Roudloh Lamongan

: One of the efforts to increase customer appeal is by providing a prize draw. BMT Ar Raudloh in an effort to improve its services also applies a promotional strategy through the provision of a prize draw. The purpose of the study is to describe the review of Islamic law in the activities of determining, implementing a prize draw carried out at BMT Ar Roudloh in Lamongan. The triangulation method is used in describing the results of the research analysis and determining the validity of the data source. Informants in the study included managers, employees and customers. The results of the study indicate that the implementation of the prize draw activity starting from determining the requirements, participants and implementation has been in accordance with Islamic law. The implementation of the prize draw shows that the implementation of the prize draw does not conflict with Islamic law.


INTRODUCTION
Baitul Maal wat Tamwil is an Islamic financial institution that plays an important role in empowering the people's economy.The existence of financial institutions has an important role in the development of a country's economy (Aisyah, 2014).One of the Islamic financial institutions is BMT Ar Roudloh in Lamongan.The BMT offers sharia-based savings products such as Mudharabah savings.
One of the attractions for customers is the lottery prizes that are often offered by BMT.However, the question arises as to how Islamic law reviews the practice of lucky draws on Mudharabah savings products.
Savings are based on a mudharabah contract where customers will benefit in the form of profit sharing based on agreed terms (Anggraini et al., 2020;Faruq & Jennah, 2020).This is in accordance with the National Sharia Council (DSN) which has issued a fatwa stating that justified savings are savings based on Islamic principles, namely mudharabah and wadiah (Rahmani, 2020).Mudharabah and Musyarakah profit-sharing-based financing can also increase the profitability of Islamic banks (Belkhaoui et al., 2020).
Mudharabah is a commonly used contract in Islamic Bank fundraising activities (Caca & Harahap, 2023;Sari et al., 2024).Where the Bank acts as a fund manager (mudharib), while the customer acts as the owner of the funds (shahibul mal).As a result of managing Mudharabah funds, the Islamic Bank will share the results with shahibul mal according to the ratio agreed in the contract when opening an account.In processing funds from shahibul mal, if there is a loss that is not caused by the Bank's carelessness, the Bank is not responsible.If what happens is a management misunderstanding regarding management, if there is a loss of these funds, the Bank is fully responsible (Annisa & Harahap, 2023;Cahyandari et al., 2023).
Lottery in Arabic terms is known as qur'ah, which can be inteIDRreted as an effort to choose some choices (Abdul, 2019).Prize draws in the context of Islamic banking need to be carefully reviewed, given the potential for usury (interest) and maysir (gambling) which are prohibited in Islam (Djafri et al., 2020).In Islamic principles, usury is prohibited because it creates injustice and exploitation, while maysir is forbidden because it involves elements of speculation and high uncertainty.Maysir or gambling is an activity that has an element of speculation in the hope of random gain.In the context of lucky draws, if the prize depends on luck and is not directly related to the effort put in, then this can be close to the category of maysir.To avoid the element of maysir, the prize must be linked to the real effort or productive contribution of the customer, and not solely based on luck (Mukhsinun, 2020).
The implementation of the lottery organized by BMT Ar Roudhoh is an activity that still needs to be questioned how the legal source according to Islam whether it is allowed or not.The lottery as an interesting activity, because the activity is organized by BMT Ar Roudloh which is a Sharia Financial Institution that uses the principles of Islamic law in each of its activities.From the above arguments, the research aims to examine the review of Islamic law on the implementation of lottery activities organized in BMT Ar Roudhoh Lamongan.

METHODOLOGY
Qualitative research by observing phenomena in the field directly in activities at BMT Ar Roudhoh Lamongan.Data collection through direct observation, interviews and documentation sources.
Informants in the study consisted of managers, employees and customers.Analysis and validity of research is based on the results of checking and examining data using triangulation techniques.

RESULTS AND DISCUSSION
Lottery is one of the ways that a company of goods or services to attract buyers or customers so that they are interested in using the products of the company.Sweepstakes are indeed increasingly widespread in modern times and their development is increasingly rapid, such as through social media, open new savings or take part in the lottery prizes.The main provisions that must be passed by members, namely 1) must have mudharabah savings where the requirements for opening mudharabah savings must fill out a savings opening form first, and have an identity card such as KTP or other identity with an initial deposit of at least IDR.10,000 and an administration fee of IDR.10,000.2) at least already a member of bmt for 1 year 3) minimum balance settles IDR.5,000,000.The requirements for participating in the lucky draw for mudharabah savings products are 1).Become a member and open a mudharabah savings product, 2).At least already a member of BMT Ar-Roudloh for 1 year, 3).Minimum balance settles IDR.5,000,000 The implementation of the lottery program has a purpose as stated by the manager that the lottery is one of the promotional programs, one of the strategies to communicate to introduce BMT Ar-Roudloh in the midst of the community through the lottery.The purpose of BMT Ar-Roudlah holding a lucky draw program on mudhorobah savings products, namely, as a form of promotion, a communication strategy to introduce BMT Ar-Roudlah and attract public interest through the lucky draw."BMT Ar-Roudloh determines the winner of the lottery prize mudharabah savings products by randomly selected or shuffled at the end of each year between December then determine it do not choose favoritism must fulfill the conditions and criteria determined.
There are various kinds of lotteries according to Islamic law, one of which is a lottery with the condition of buying goods.All lottery participants must first buy goods.It cannot be followed by people who do not buy goods, all of this has been determined by the organizer of the sweepstakes.The lottery does not affect the price of the product.The company holds sweepstakes only to sell its products.As for the law, if you buy goods with the intention of entering the lottery, it is classified as maisir/qimar which is prohibited in Sharia because the purchase is deliberately spending money to be able to enter the lottery.
In participating in a lottery, you may lose and you may gain, so this is what is called maisir/qimar.From the explanation above, it can be concluded that the requirements of BMT Ar-Roudloh to participate in the lottery for mudhorobah savings products are permissible/mubah.Because the conditions of BMT Ar-Roudloh do not include violating Islamic law.In the hadith also explains from Abu Hurairah r.a the Prophet SAW said which means "From Abu Hurairah raddhiyallahu 'anhu that the Rosululah SAW said, "give gifts to each other, so that you love each other."(HR Bukhari) in the book

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Cite this article as : Mun'im, A., & Ulum, M. Lottery Prizes and Islamic Law Review on Mudharabah Savings Products at BMT Ar Roudloh Lamongan.Miftah : Jurnal Ekonomi Dan Bisnis Islam, 2(2), 109-115.https://doi.org/10.61231/miftah.v2i2.28968-78. https://doi.org/10.61231/jp2m.v2i1.208Creative -visual media, print media, even many are advertised in the form of posters and billboards, and other financial institutions.It's just that from time to time the forms and puIDRoses vary, sweepstakes which are basically halal can turn into haram if there are certain elements that turn into gambling.So what distinguishes is not the name or terminology, but the criteria set by the sweepstakes organizer.. BMT Ar-Roudloh in terms of implementing the lottery prizes are required to open mudharabah savings.this is very important information conveyed to customers or prospective members who want to