EVALUASI PENERAPAN TABUNGAN WADI'AH DALAM PERSPEKTIF FATWA DSN MUI NO: 02/DSN-MUI/IV/2000 PADA BMT SURYA ASA ARTHA
RAHMADANI PUTRI, ERNA
MetadataShow full item record
This research aims to understand the implementation of wadi’ah saving at BMT Surya Asa Artha as well as to find out the implementation of wadi’ah saving at BMT Surya Asa Artha with the perspective of National Sharia Board (DSN) No.02/ DSN-MUI/ IV/ 2000. The author uses a qualitative descriptive technique to analys the data at BMT Surya Asa Artha. This technique is used to describe the datas. And the tecqnique to collect the datas that the author uses is the observation, interview, and documentation with BMT Surya Asa Artha, which is to look for and to examine the application of wadiah saving on BMT Surya Asa Artha. The results of the research show that wadi’ah saving at BMT Surya Asa Artha uses the principle of wadiah yad-dhamanah in which the customers allow their savings to be managed by BMT Surya Asa Artha through the financing activities. The customers can withdraw their savings at any time according to the agreement. BMT Surya Asa Artha guarantees the balance of members’ deposits will not decrease. The customers will receive bonus every month according to the agreement at the beginning. It contradicts the convention of National Sharia Board fatwa that bonus provision cannot be required at the beginning. Therefore, the implementation of wadi’ah saving at BMT Surya Asa Artha has not been in accordance with the provision of Fatwa of National Sharia Board Indonesian Ulema Council (DSN MUI) No.02/ DSN-MUI/ IV/ 2000.