This research is motivated by the existence of Bank Syariah Mandiri as one of the pioneers of Islamic economics, as well as a means of accommodating the interests of the Indonesian people, especially for Muslims, whose goals can be realized by the Indonesian people. Bank Syariah Mandiri (BSM) has one product, namely BSM Pension, where this product is a financing product that is only specifically for those retired State Civil Apparatus. This research was conducted at Bank Syariah Mandiri Sub-Branch Office Bogor Dramaga which is located at Jl. Officer No. 151 Dramaga-Bogor (16680). This research took place from February to July 2020, the authors are interested in doing this research because in this pension financing customers are charged by administrative costs by the bank, the authors want to know how the perspective of Islamic law is in taking the administrative costs, To find out the problems in this research, the authors conduct qualitative research. The data collection method used in this study is to conduct interviews, observation and documentation. This data collection method is aimed at bank officers who usually directly serve pensioners. Interviews, observations and documentation were carried out directly on March 18, 2020 at the Bank Syariah Mandiri office, Dramaga Bogor Sub-Branch Office. The analysis used in this research is descriptive qualitative. The results show that taking  administrative fees is allowed in accordance with the provisions of the DSN-MUI Fatwa Number 19/DSN-MUI/IV/2001 concerning Al-Qard that the costs of the submission process are charged to the customer, with a note that there must be certainty about what fees are used. During the application process, administrative costs are taken at a reasonable rate that does not burden the customer, and does not make administrative costs a source of bank income.