PENERAPAN AKAD WADIAH PADA LAYANAN PRODUK TABUNGAN BANK SYARIAH MANDIRI CABANG MAROS
Abstract
Abstrak
Pokok masalah dalam penelitian ini mengkaji tentang tinjauan hukum islam terhadap penerapan akad wadiah pada produk tabungan Bank Syariah Mandiri ( Bank Syariah Mandiri Cabang Maros ), Penulis mengambil jenis penelitian adalah penelitian lapangan (field research) menggunakan metode kualitatif dengan Pendekatan Empiris sejauh mana implementasi hukum yang di jalankan dengan sumber data diperoleh dari data primer yaitu data langsung dari para pihak dalam Bank Syariah Mandiri Cabang Maros sedangkan data sekunder diambil berupa arsip, jurnal, buku dan referensi lainnya yang berkaitan dengan penelitian, Pada Bank Syariah Mandiri cabang Maros dalam penerapan akadwadiah pada produk tabungan sudah sesuai dengan Fatwa DSN MUI 2/DSN-MUI/IV/2000 tentang tabungan. Akad wadiah yang diterapkan Bank Syariah Mandiri cabang Maros mengunakan akad wadiah yad dhamanah di mana pihak nasabah dan pihak bank berakad ketika nasabah menggunakan wadiah yad dhamanah maka uang yang ditititpkan akan di kelola pihak Bank Syariah Mandiri Cabang Maros dengan perjanjian nasabah akan diberikan berupa pemberian insentif (bonus) yang tidak diperjanjikan di awal akad yang hanya diketahui oleh pihak bank serta diberikan pelayanan terbaik kepada nasabah.
Kata Kunci: Akad Wadiah, Bank Syariah Mandiri, Produk Tabungan.
Abstract
The main problem in this study examines the review of Islamic law on the application of wadiah contracts on savings products at Bank Syariah Mandiri (Bank Syariah Mandiri Maros Branch). run with data sources obtained from primary data, namely direct data from parties in Bank Syariah Mandiri Maros Branch while secondary data is taken in the form of archives, journals, books and other references related to research, at Bank Syariah Mandiri Maros branch in the application of akadwadiah on products savings are in accordance with the Fatwa of DSN MUI 2/DSN-MUI/IV/2000 concerning savings. The wadiah contract implemented by Bank Syariah Mandiri Maros branch uses a wadiah yad dhamanah contract where the customer and the bank make an agreement when the customer uses the wadiah yad dhamanah, the money deposited will be managed by the Bank Syariah Mandiri Maros Branch with the customer agreement being given in the form of incentives (benefit) which was not agreed at the beginning of the contract which is only known by the bank and provided the best service to the customer.
Keywords: Decision, Marrige Ratification, The Cild Marrige.References
DAFTAR PUSTAKA
Buku
Budi Setiawan utomo, Perbankan Syariah, Jakarta: Raja Grapindo Persada, 2017.
Ismail, perbankan syariah, Jakarta: Prenadamedia group, 2016.
Muhammad, System Keuangan Islami, Depok: PT Raja Grapindo Persada, 2019.
Sukarmi Aspek Hukum Perbankan Syariah Dari Teori Ke Praktek, Yogyakarta: 2018.
Wawancara
Abdul Hamid S.E (45tahun), di Bank Syariah Mandiri Cabang Maros, wawancara, Maros, 19 november 2020
Muhammad Muslimin, (32 tahun), di Bank Syariah Mandiri Cabang Maros, wawancara, Maros, 20 November 2020.
Fatwa
Fatwa DSN MUI 2/DSN-MUI/IV/2000
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