Kajian Konsep Akad dan Jenis Produk Perhimpunan Dana Bank Syariah di Indonesia

Abstract

Research on contracts and savings products of Islamic banks is essential amid understanding that some people still equate Islamic banks and conventional banks. The purpose of the study is to explain the concept of contracts and types of Islamic banking savings products to explain the differences in sharia and in theory Islamic banking products and conventional banks. The research uses a literature study method with a normative juridical approach (theory, the Qur'an, hadith, and MUI fatwas). Based on the results of the study that the product of Islamic bank fund associations and conventional banks have differences in terms of the contract principles used. The principle of Islamic bank funding products (savings) contracts uses Wadi'ah (funding without reward) contracts and Syarikah-Mudharabah (profit sharing) contracts, so that Islamic bank savings products are wadi'ah current accounts deposit (Giro wadi'ah), wadi'ah savings (tabungan wadi'ah), mudharabah current accounts (giro mudharabah), mudharabah savings (tabungan mudharabah) and mudharabah deposits (deposito Mudharabah). Whereas conventional banks only demand deposits (giro), savings (Tabungan) and deposits (deposito) with an interest (Usuri) system. whereas bank interest is a usury contract forbidden in Islam