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All Journal YUDISIA : Jurnal Pemikiran Hukum dan Hukum Islam Jurnal Ilmiah Ekonomi Islam Jurnal Pengabdian Pada Masyarakat Wahana Islamika: Jurnal Studi Keislaman Isti`dal : Jurnal Studi Hukum Islam Adimas : Jurnal Pengabdian Kepada Masyarakat Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam JES (Jurnal Ekonomi Syariah VALUE: Jurnal Ilmiah Akuntansi, Keuangan dan Bisnis AKM: Aksi Kepada Masyarakat Jurnal Pengabdian Multidisiplin Labatila: Jurnal Ilmu Ekonomi Islam Jurnal Ekonomika Dan Bisnis Jurnal Perbankan Syariah Darussalam (JPSDa) Borneo : Journal of Islamic Studies Wahana Islamika: Jurnal Studi Keislaman Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Sharef: Journal of Sharia Economics and Finance Journal of Ekonomics, Finance, and Management Studies J-CEKI Jurnal Ekonomi, Manajemen, Akuntansi PESHUM Jurnal of Islamic Economic Studies
Mubarok, Ahmad Fauzan
Program Studi Perbankan Syariah UNISNU Jepara
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Kesesuaian Syariah Simpanan Sembako Terhadap Akad Wadiah di KSPPS Artha Yasmin Az-Zahra Jepara dalam Perspektif Fatwa DSN-MUI Nomor 02/DSN-MUI/IV/2000 Sukma Dewi Pratama; Ahmad Fauzan Mubarok; Zahrotun Nafisah
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 4 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i4.7527

Abstract

Basic food items such as rice, eggs, sugar, and milk play a crucial role in people's lives, especially during the month of Ramadan, when demand for these commodities increases significantly. This condition encourages the habit of storing food, which then gives birth to innovations in basic food savings products in Islamic financial institutions. This study aims to examine the application of the wadiah contract in basic food savings products at the Artha Yasmin Az Zahra Sharia Savings and Loans and Financing Cooperative (KSPPS), with reference to the fatwa of the National Sharia Council of the Indonesian Ulema Council (DSN-MUI) Number 02/DSN-MUI/IV/2000. The research method used is qualitative descriptive, with data collection techniques through interviews, observations, and documentation studies. The results of the study indicate that KSPPS Artha Yasmin Az Zahra applies the wadiah contract in the form of pure deposits, where the funds deposited by members are used to buy basic food items which will later be returned according to the agreed agreement. Although the implementation of the wadiah contract is in accordance with the provisions of the DSN-MUI fatwa, there are still obstacles, such as the lack of transparency in conveying information about the contract to members, which has the potential to affect their level of trust in this product. This study is expected to provide useful insights for KSPPS managers in improving the governance of basic food savings to be more in accordance with sharia principles and more transparent for its members.
Co-Authors Aditya, M.Fajar Alma'lufah, Robi'ah Amalia, Lutfi Nur Amrina Rosyada Ana Pratiwi Anggisna Laila Nurrahmawati Ansori, Miswan AULIA, RIZKA ‘Aini, Nurul Zakiyatul Benzi, Kifa Yola Budi Utami, Cahyaning Cahyaning Budi Utami Chailis Agmelia Khaeroni Dhona, Risma Diah Alfin Nurwahyu Lailita Diva Mustamar Syadid Erny Nur'Aini Hasnah Haron Hazmi, Faiqul I Nyoman Budiono Ika Lailatun Nikmah Ika Wahyu Purnama Intan Khoirun Nisa Iza Kholila Khotibul Umam Laila, Mega Nor Listianingrum, Lailiya M.Fajar Aditya Mega Nor Laila Miftakhul Khasanah Muhammad Khoirul latif Nadia Azalia Putri Nafisah, Zahrotun Nafisah, Zahrotun Nandiroh Nandiroh Nur Aima Shafie Rahayu Nur Auliya Robiah Alma’lufah Rokmah, Fadilatur Saiful Bakhri Selvi Riyani Shodiq, Ricky Jafar Siti Hasanah Siti Kadariah Sukma Dewi Pratama Sukma Dewi Pratama Sulistyowati Syahriar, Alfa Ummah, Khoirul Utami, Cahyaning Budi Wahidullah Wahidullah, Wahidullah zahrotun nafisah Zahwa Naelal Firdausi Zulfa, Ainiyatuz ‘Aini, Nurul Zakiyatul