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All Journal INTERDISIPLIN: Journal of Qualitative and Quantitative Research Values: Jurnal Kajian Islam Multidisiplin
Ahmad Ibrohim
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Religion Humanities Education Law, Crime, Criminology & Criminal Justice Social Sciences

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Wadiah In The Perspective Of Islamic Law And Its Application In Sharia Banking Ahmad Ibrohim
Values: Jurnal Kajian Islam Multidisiplin Vol. 2 No. 1 (2025)
Publisher : Penerbit Hellow Pustaka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61166/values.v2i1.63

Abstract

Wadi'ah is practiced in banks that use the sharia system, such as Bank Muamalat Indonesia (BMI, Bank Islam). Bank Muamalat Indonesia defines wadi'ah as a pure deposit which, with the permission of the depositor, can be used by the bank. The concept of wadi'ah developed by BMI is wadi'ah yad ad dhamanah (entrustment regarding the risk of compensation). Therefore, wadi'ah which fiqh experts define as yad Al-Amanah (pure deposit without compensation) is modified in the form of yad ad dhamanah (with risk of compensation). The consequence is that if BMI manages the money and makes a profit, then all the profits belong to the bank. Cumulatively, wadi'ah has two meanings, the first is a statement from someone who has given power of attorney or delegated to another party to look after or look after his property; secondly, an asset that someone entrusts to another party is maintained or guarded.
Comparison Of Wakalah And Kafalah In The Implementation Of Sharia Finance Ahmad Ibrohim
INTERDISIPLIN: Journal of Qualitative and Quantitative Research Vol. 2 No. 1 (2025)
Publisher : Penerbit Hellow Pustaka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61166/interdisiplin.v2i1.100

Abstract

Wakalah in the sense of submission, delegation, or giving a mandate is also found in the word Al-hifzhu which means maintenance. Therefore, the use of the word wakalah or wikalah is considered to have the same meaning as hifzhun. In the business world, everyone has different competencies. There are times when people have competence in a competitive business field but do not have capital. On the other hand, there are capital owners who do not have the time or are less competitive in the field, so they need a business partner with a representative pattern. Representing work that you can do yourself is considered valid according to sharia. Such as buying and selling, marriage, thalaq, membership, pawning and others related to muamalat. Representing something related to worship, there are some jobs that are permissible and there are some that are not permissible according to sharia'.
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