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All Journal Jurnal Kajian Islam Modern
Meli Diana Fitri
Universitas Islam Negeri Mahmud Yunus Batusangkar
Religion Chemistry Economics, Econometrics & Finance Public Health Social Sciences

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REKONSTRUKSI KEDUDUKAN WA’AD DALAM PRODUK PERBANKAN SYARIAH: ANALISIS KOMPARATIF DENGAN AKAD DAN IMPLIKASINYA TERHADAP KEPASTIAN HUKUM Meli Diana Fitri; Syukri Iska; Azifah Hadiyati
JURNAL KAJIAN ISLAM MODERN Vol 15 No 01 (2026): September 2026
Publisher : Institut Agama Islam Sahid (INAIS) Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/jkim.v15i01.1041

Abstract

This study aims to reconstruct the position of wa'ad in Islamic banking products through a comparative analysis with contracts, both from the perspective of muamalah fiqh and Islamic financial industry practices. The research method used is a qualitative-normative approach, through an analysis of classical and contemporary literature, fatwas of Islamic authorities, and regulations related to Islamic banking. The results show that conceptually, wa'ad is a unilateral commitment that does not have the same binding force as a contract. However, in industrial practice, it often undergoes transformation into a quasi-contract with legal implications. This condition creates ambiguity between the moral and legal dimensions of wa'ad, and has the potential to violate the basic principles of contracts in Islam. This study proposes a reconstruction of the status of wa'ad as a pre-contract instrument with limited binding power (binding under certain conditions) while maintaining the fundamental distinction of the contract. The implications of this reconstruction are the creation of clear contractual structures in Islamic banking products, increased legal certainty, and the strengthening of the principle of Sharia compliance in industrial practices.
Co-Authors Azifah Hadiyati Syukri Iska