Journal of Islamic Banking
Vol 3 No 1 (2022): Journal of Islamic Banking

Penerapan Penghimpunan Dana Nasabah Pada Akad Wadi’ah Di BMT NU Cabang Blutoh Sumenep

Abdussakur Abdussakur (Institut Kariman Wirayudha Sumenep)
Kristiani Utami (Institut Kariman Wirayudha Sumenep)



Article Info

Publish Date
15 Jun 2022

Abstract

Wadi'ah in principle is to help the custodian, and the party entrusted with his position as a helping party. Therefore, the nature of wadi'ah is trust. In the book I'anatut Thalibin by Ad Dimyathy it is explained that wadi'ah is: "A contract that aims to protect a property." In carrying out wadi'ah practices, customer funds deposited in Islamic financial institutions are guaranteed safe, and Islamic financial institutions are required to bear all risks that occur in customer funds. Wadi'ah in Islamic financial institutions is not the wadiah described in fiqh books. Wadi'ah that is currently practiced is more relevant to the law of receivables, because the Financial Institutions use customer money in various projects. The existence of the authority to use the goods, own the results and bear the damage or loss is the main difference between wadi'ah and dain (debts). Thus, if these three characters have been embedded in the wadi'ah contract, then in fact and legally this contract turns into a debt and credit contract and not a wadi'ah contract.

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Journal Info

Abbrev

JIB

Publisher

Subject

Economics, Econometrics & Finance

Description

Journal of Islamic Banking is a periodical scientific journal managed and published by the Sharia Banking Study Program, IAI Hikmah Tuban. This journal specializes in the study of Islamic banking. The manager welcomes contributions in the form of articles from scientists, scholars, professionals and ...