Tinjauan Fikih dan Praktik Akad Al-Wadiah Pada Perbankan Syariah di Indonesia

Abstract

This research aims to review the fiqih and implementation of Al-Wadiah contracts in sharia financial institutions in Indonesia. This literature review made of various journals and books related to the research topic. This study focuses on classical and contemporary legislation as well as al wadiah contracts on shariah banking. Therefore, we could investigating this research because gaps can be identified that need to be studied from the aspects presented. The result is that al wadiah contracts in sharia banking in Indonesia is based on wadiah yad dhamanah which must focus on wadiah yad amanah. Therefore, we need the assessment of Islamic financial institutions in Indonesia especially islamic bank in carrying out their operations that should not only materialistic oriented matters, but also the principle of falah.

Analisis Penerapan Strategi Pemasaran Produk Tabungan Easy Wadiah

“…(Dian Lailatullailia et al, 2021) Bahkan secara hukum bank syariah diatur dalam peraturan BI Nomor 6/24/PBI/2004 tentang Bank Umum yang Melaksanakan Kegiatan Usaha Berdasarkan Prinsip Syariah. Pada pasal 36 dijelaskan bahwa Bank wajib menerapkan prinsip syariah dan prinsip kehati-hatian dalam melakukan kegiatan usahanya, yakni meliputi melakukan penghimpunan dana dari masyarakat dalam bentuk simpanan dan investasi, salah satunya yaitu tabungan (Wijaya, 2021).…”

Deposit Strategy of Easy Wadiah Savings Fund at Bank Syariah Indonesia

“…The variety of savings products offered by Bank Syariah Indonesia include: BSI Tabungan Bisnis, BSI Tabungan Easy wadiah, BSI Tabungan Easy Mudharabah, BSI Tabungan Haji Indonesia, BSI Tabungan Haji Muda Indonesia, BSI Tabungan Valas, BSI Tabungan Simpel, BSI Tabungan smart, BSI Tabungan Junior, BSI Tabungan Mahasiswa, BSI Tabungan Payroll, BSI Tabungan Pendidikan, BSI Tabungan Pensiun and BSI Tabungan Prima. Banks are required to apply sharia principles and prudential principles in carrying out their business activities, which includes collecting funds from the public in the form of savings and investments, one of which is savings (Wijaya, 2021).…”