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With the separation of the management of the hajj funds of the Ministry of Religion to the BPKH, it still leaves some differences in view, related to the amount of the initial deposit charged by Jemaah who are members of the waiting list with a vulnerable period of 5 -25 years. In addition, there is also a debate related to the use of initial deposit funds for the pilgrims to be dispatched, because BPKH until now must optimize the pilgrimage funds. The community still understands if the initial deposit fund deposited for them is an investment that should be able to continue to grow and be enjoyed by each congregation. The longer the congregation waits for the pilgrimage, the understanding is that the funds returned to the congregation in the form of optimizing the initial deposit must be even higher. But some views assume, the affairs of the pilgrimage are not a matter of investment, but purely to worship God. Related to the length of timing a person goes on the pilgrimage is purely based on the Jemaah departure quota that is limited by the government of Saudi Arabia to Indonesia. In this perspective, researchers feel the need for a study related to Hajj fund entities in formal law and sharia law and finance. Thus it is hoped that this research can answer the current assumptions.

This study aimed to know how the development of economic liberalization has had an impact on tight competition in the banking industry sector. Therefore, to face the challenges of competition in the region, the ASEAN Banking Integration Framework (ABIF) was established. ABIF was established on the initiative of regional cooperation in the banking sector for the ASEAN region as stipulated in the ASEAN Framework Agreement on Services (AFAS). The AFAS agreement is useful to accelerate ASEAN Banking Integration. The type of research method used is legal normative by conducting a libary research. In its implementation, ABIF is conducted bilaterally with other ASEAN member countries by negotiating market access and operational coverage of banks in other ASEAN countries based on the policies of the Qualified ASEAN Banks (QAB). As a form of Indonesia's commitment to support the ASEAN Banking Integration, on January 18, 2016, Indonesia has ratified the Protocol to Implement the Sixth Package of Commitments on Financial Services under the ASEAN Framework Agreement on Services with the enactment of Law Number 4 of 2018. Post the ratification of the SixthProtocol AFAS turned out to have an impact on the banking industry in Indonesia, that every Indonesian bank wishing to expand into other ASEAN countries was required to comply with the QAB policies. The benefits of banks that have met the QAB will get an increase in affordable banking products and quality in the country. In order to obtain legal certainty for Indonesian banks with QAB standards, the reciprocal principle will be applied, which allows Indonesian banks to operate in other ASEAN countries as well as local banks in their destination countries.