Pendekatan Kritis Implementasi Akad Wadi’ah pada Perbankan Syariah Indonesia
Abstract: As a
natural situation, the Islamic banking industry not only have a chance, but
also the various problems such as problem on products giro and saving syariah based
on wadi’ah. In wadi’ah saving, bank syariah receive trustful saving from the client
and distributing it to use it optimally. Actually, the use of trustful saving (wadi’ah)
is forbidden, but what is applied in the banking industry is wadi’ah used to any
project of business. From this point of view, this kind of application more
relevant to qard contract than wadi’ah. The purpose of Islamic law (maqasid
al-shari’ah) is to ensure the wealth (hifz al-mal) embodied in the product save
deposit box. In save deposit box, wealth entrusted in bank, stored in a special
place, that are guarded by the bank. At the level of primary (al-daruriyah),
safeguarding the wealth is a basic need for Muslim. So that, the sustainability
of safeguarding of wealth should be championed.
Keywords:
Wadi’ah, Islamic Banking, The Purpose of Islamic Law, Safeguarding the wealth
Penulis: Mushlih
Candrakusuma, Mohammad Ghozali
