Analisis Penerapan Akad Wadiah dalam Produk Tabungan Pada Bank Syariah Indonesia

Abstract

This is a Savings products at BSI use the wadiah yad dhamanah contract, where the bank can use the funds deposited by customers and the bank is not required to provide compensation except in the form of voluntary bonuses. This study is expected to provide a detailed description of the theory regarding the application of a systematic wadiah contract regarding matters related to bank business activities with sharia principles, especially in collecting funds, namely wadiah. The research method used is a descriptive qualitative research method. The object of this study uses secondary data from literature studies such as books, journals, articles and so on. The results of the study show that BSI applies the wadi'ah yad dhamanah contract, where the bank has the right to use the deposited funds and can provide bonuses to customers as a form of appreciation, even though it was not promised in advance. The application of this contract is in accordance with the fatwa of the National Sharia Council-Indonesian Ulema Council (DSN-MUI) and applicable regulations, and provides flexibility and security for customers in saving according to sharia principles.