<![CDATA[This study aims to analyze the implementation of the wadiah contract in the Student Hajj Savings product at PT. BPRS Jam Gadang Bukittinggi and to assess its validity based on Islamic economic law. This field research employed a descriptive qualitative approach, with data collected through interviews and documentation involving the Sharia Supervisory Board (DPS), bank employees, teachers, and students. The findings indicate that the implementation of the wadiah contract is carried out through three stages: pre-contract, contract, and post-contract. Account opening by students through the completion and signing of the Customer Data Form (FDN) is conducted without written consent from parents or guardians, although verbal consent has been obtained. From the perspective of Islamic economic law, this practice is generally in accordance with the principles of Fiqh Muamalah and DSN-MUI Fatwa Number 02/DSN-MUI/IV/2000 concerning Savings. The validity of the contract remains acceptable due to the verbal consent of parents or guardians. However, considering that the contract constitutes a legal act involving an Islamic financial institution, parental or guardian consent should be provided in written form to ensure legal certainty and protection for all parties involved.]]>
Copyrights © 2026
