<![CDATA[This study aims to analyze the savings deduction mechanism in individually managed savings in Sungai Durian Village, Lampasi Tigo Nagari District, Payakumbuh City, and evaluate its compliance with the principles of fiqh muamalah. This research employs a qualitative field research method with a descriptive analytical approach. Data were collected through observation, interviews, and documentation and analyzed through data reduction, data presentation, and conclusion drawing. The findings indicate that the savings arrangement resembles a wadi‘ah contract, in which members entrust their funds to a manager for safekeeping until an agreed time. However, the manager deducts IDR 35,000 from every IDR 1,000,000 in savings without obtaining prior agreement from members. In addition, savings funds are used for lending activities that generate benefits for the manager. From the perspective of fiqh muamalah, these practices do not fully uphold the principles of trustworthiness (amanah), justice, transparency, and mutual consent (taradhi). The study concludes that savings management should be based on clear agreements, transparent deduction policies, and the protection of members’ rights. Any use of entrusted funds must comply with the applicable contract and receive the consent of the relevant parties. Academically, this research contributes to the study of Islamic financial transactions by highlighting the importance of contractual clarity and ethical accountability in community-based savings management.]]>
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