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THESIS PROPOSAL

STUDENT IDENTITY

Name : Muhammad Anwar

Nim/Nimko : 18.26.017/84260118017

Study program : Sharia Economics

Major : Islamic Economics and Business

Thesis title : Application of Wadi'ah Agreement on Savings Products at PNM

Mekaar Syariah Ma'rang Branch, Pangkep Regency

A. Background of the problem

Sharia economics is an economic system that is an integral part of

mu'amalah from Islamic sharia which is sourced from the sunnatullah of the

Qur'an and Sunatur Rasul al-Hadith whose validation level is absolute. For

Muslims, the concept of sharia economy serves as a guide in economic activities,

namely as a reference when transacting, as a direction in economic development

activities, namely as a reference when transacting, as a reference in the study of

economic development of the people as a guide to obtain halal assets and blessing.

The implementation of the concept of Sharia Economics in everyday life

for Muslims is very closely related and cannot be separated from the elements of

worship, meaning that for a Muslim in carrying out his economic activities by

applying the rules or principles of Islamic sharia based on the sole intention to

carry out his activities. Allah's command, then the activity is included in the

category of worship.1

1
Moh. Yahya Damanhuri, Principles of Islamic economics (Bekasi: Terang Mulia Abadi,
2013) h. 1

1
 The facts in historical records have proven that the concept of sharia

economics was applied in the socio-economic life of the global community

starting at the time of the Messenger of Allah -peace and prayer of Allah be upon

him- and khulafa'urrasyidin in the 6-7th century AD, the central city of the

economy was Medina, then during the reign of the Umayyads of the 19th century.

to 7-8 AD the central city of the economy was Damascus-Syria. Then during the

reign of the Abbasids in the 8-12th century AD, the central city of the economy

was Baghdad-Iraq, then during the reign of Islam in Andalusia, now Spain and

Portugal, the western European region of the 8-15th century AD, the central city

of its economy was Cordoba (Qordufah).

The capitalist and socialist economic systems have proven incapable of

increasing the welfare of the people. Islamic economics is a solution economic

system where the Islamic economic system can answer the failures contained in

the conventional economic system.2

The essence of the sharia economic system is to put forward the principles

of justice, willingness, benefit and worship, while the conventional economic

system or liberal economic system is formed from a free market orientation whose

principles are not standardized, which are unstable, meaning that they change

according to changes that occur in the world. market trends and conditions.

Therefore, the system is dominated by the interests of individuals or groups that

are one-sided and often business people are driven by the rush of ambition and

lust so that it is dangerous for economic actors to fall into the misleading circle of

usury behavior.3

2
Alexander Thian, Islamic Economics, (Yogyakarta: Andi, 2021) h. 2
3
Moh. Yahya Damanhuri, Principles of Islamic economics (Bekasi: Terang Mulia Abadi,
2013) h. 3

2
 The development of the Islamic economy in Indonesia is the influence of

the development of Islamic banks in Islamic countries. In the early 1980s,

discussions about Islamic banking as a pillar of Islamic economics began to take

place. The figures involved in the study were Karnaen A. Perwataatmadja, M.

Dawam Rahardjo, AM Saefuddin, M. Amien Azis, and others. Several trials on a

relatively limited scale have been carried out. Among them is Baitul Tamwil-

Salman, Bandung, which had grown impressively. However, the more specific

initiative to establish an Islamic Bank in Indonesia was only carried out in 1990.

The Indonesian Ulema Council (MUI) on 18-20 August 1990 held a bank and

banking interest workshop in Cisarua, Bogor, West Java. The results of the

workshop were discussed in greater depth at the IV MUI national meeting which

took place at the Sahid Jaya hotel, Jakarta, August 20-25, 1990. Based on the

mandate of the MUI National Conference IV, a working group was formed to

establish an Islamic Bank in Indonesia. Marked by the establishment of Bank

Muamalat Indonesia (BMI) in 1992 and the Indonesian Takaful Association in

1994.
The development of the Islamic economy in Indonesia is also inseparable

from several driving factors. In simple terms, these factors are grouped into

external and internal factors. External factors are causes from abroad in the form

of sharia economic development from other countries. Meanwhile, the internal

factor is the fact that Indonesia is destined to become the country with the largest

Muslim population in the world.4

In modern society, the process of financial investment is completely

separate from the process of saving money. Even more separate these two

processes from real investment, so that both investment processes can be realized,

4
Mei Santi, “The Development of Sharia Economics in Indonesia,”
Ejurnal.staim.tulungagung 7, no. 01 (2019)

3
it is necessary to mobilize savings and savings so that they reach those who want

to invest. Herein lies the function of financial institutions to regulate and facilitate

those who have excess funds and those who need funds.5

Financial institutions are institutions whose activities are collecting funds

from the public and channeling these funds to the public in the form of

financing/credit, or collecting funds from the public and distributing these funds

in the form of investments in various financial assets (such as shares) and real

assets (such as property). Fundraising activities are also called funding, while fund

distribution activities are also called lending. To be called a financial institution,

funding and lending activities must be the main activities and both activities must

be carried out simultaneously. For example, banks collect funds from the public

by offering savings and time deposit instruments, and at the same time banks

channel funds to the public by offering financing/credit.6

Basically, Islamic financial institutions are systems that are in accordance

with Islamic teachings regarding the prohibition of usury or gharar. In addition,

Islamic financial institutions have a basic philosophy of seeking the pleasure of

Allah to obtain virtue in this world and in the hereafter. To run a financial

institution in accordance with Islamic principles and teachings, it is necessary to

have characteristics that must be possessed by every party in every financial

institution, including: Siddiq, which is being honest with yourself, others, and

Allah subhanahu wata 'ala. Fathonah, namely when carrying out their duties in a

financial institution, they must be professional, disciplined, comply with

5
Abd Rachim, Money and Financial Institutions, (Jakarta: PT Perca, 2021)h. 38
6
Dewa PK Mahardika, Knowing Financial Institutions, (Bekasi, Gramata Publishing,
2015)h. 37

4
regulations, work hard and be innovative. Amanah, meaning full responsibility

and mutual respect in carrying out their duties and serving business partners. 7

PT Permodalan Nasional Madani (Persero) is a State-Owned Enterprise

(BUMN) established by the government, to provide capital loan services for

micro, small and medium enterprises, and is expected to be a means of trying to

improve business development and living standards towards a better overall.

together.8PT. Permodalan Nasional Madani (Persero) or commonly abbreviated as

PNM (Persero). According to OJK regulation (POJK) Number 16/POJK.05/2019,

PT Permodalan Nasional Madani (Persero) hereinafter referred to as a company is

a company established based on the government regulation of the Republic of

Indonesia Number 38 of 1999 concerning the participation of the Republic of

Indonesia's State Capital for the establishment of a company company ( Persero)

in the context of developing cooperatives, small and medium enterprises.

This company is a state-owned financial institution that was formed as a

government commitment to develop, promote, and maintain Micro, Small and

Medium Enterprises (MSMEs). In carrying out its business activities, PT PNM

(Persero) can operate based on sharia principles.

One of the strategic goals carried out by the company in realizing the

government's commitment is to improve the position and role of the company as a

provider of financing services and management services supported by complete

products and services, both conventional (interest-based) and sharia financial

services for the micro business sector. small, medium and cooperatives

(UMKMK). As well as direct services to micro and small businesses and/or

7
Budi kolistiawan, Challenges of Islamic Financial Institutions in Facing the Asean
Economic Community, (Tulung Agung: IAIN Tulung agung, 2017)h. 56
8
Riska Oktarila, Role of PT. MADANI NATIONAL CAPITAL (PERSERO) Mekaar
Syariah in Developing Small Business in Terara Village (Mataram: T.TH)h. 17

5
partnering with Rural/Sharia Credit Banks (BPR/S), financial/Sharia service

cooperatives (KJK/S), and other institutions.9

PT Permodalan Nasional Madani (Persero) in 2016 launched a capital loan

service for underprivileged women who are ultra-micro business actors through

the Fostering a Prosperous Family Economy (PNM Mekaar) program. PNM

Mekaar is strengthened by business assistance activities and is carried out in

groups. Basically, PNM Mekaar customers have the knowledge and skills in

doing business, but the limited access to working capital financing causes their

business skills to decrease. Some of the reasons for the limited access include

constraints on capital, formalities, scale of business, and lack of collateral.

Therefore, PNM implements a range of responsibility group system which is

expected to bridge the gap in access to financing so that customers are able to

develop their businesses in order to achieve their goals and improve family

welfare.10

PNM Mekaar Syariah is a group-based empowerment service in

accordance with the provisions of Islamic law based on a fatwa and/or statement
of sharia conformity from the National Sharia Council of the Indonesian Ulema

Council aimed at underprivileged women who are micro-enterprises, through: 1)

Improved financial management to realize their goals. family goals and welfare,

2) Financing for business capital without collateral, 3) Familiarizing with the

culture of saving, 4) Increasing entrepreneurial competence and business

development. The Mekaar Syariah program is implemented through business

indoctrination according to Islamic law, namely: 1) Weekly meetings that must be

9
OJK, Getting to Know the Special Financial Services Institution: PT Permodalan
Nasional Madani (Persero)https://sikapiuangmu.ojk.go.id/FrontEnd/CMS/Article/40689 (Accessed
On December 17, 2021).
10
PNM, PNM Mekar & PNM Mekaar Syariah, https://www.pnm.co.id/business/pnm-
mekaar (Accessed on December 17, 2021)

6
carried out in a disciplined and timely manner by saying prayers, customer

promises, Mekaar Syariah account officer promises, joint promises, 2) Mekaar

Syariah customers are those who already have business, 11

PNM Mekaar Syariah, Ma'rang branch, Pangkep Regency is one of the

branches of PT. PNM (Persero) which provides fund-raising facilities from

customers who have more funds to make deposits or savings and provide loans or

credit to customers who lack funds.

In the savings and loan unit, PNM Mekaar Syariah has several

savings/savings and financing products. Financing products include: MK50,

MK50 are financing products whose installments are for 1 year. MK25, MK25 are

financing products whose installments are only 6 months. As for the product of

savings/savings, there is only one product, namely the product of savings/savings.

Savings or savings products at PNM Mekaar Syariah use a Wadi'ah

contract. Wadi'ah contract is a contract of mutual assistance, because of that

wadi'ah contract is understood by fiqh scholars as a contract of safekeeping of

goods to another party. The first party who is the owner of the funds can withdraw
the goods at any time from the second party. In addition, the wadi'ah contract as a

mandate contract is defined by musalahah, meaning that the deposited goods must

be guarded and maintained.12This is confirmed in the Word of Allah subhanahu

wa ta'ala in QS An-Nisa/4: 58:

ْ ‫اسَّا َ ْن‬
َِّ ْ‫َّاَّال َعد‬
ََّ‫ل️️اِنَّهللا‬ ِ ‫َّالَ️️اِل️️ا َ ْه ِل َها️️اِذَا َح َك ْمت ُ ْمَّالن‬َّ ْ ‫اِنَّاَّللَُّا َ ْن‬
️️‫ا️️اِنَّهللاََّا َنَّاًَّا‬
The translation:

11
PNM, PNM Mekar & PNM Mekaar Syariah, https://www.pnm.co.id/business/pnm-
mekaar (Accessed on December 18, 2021)

12
Dr. Ridwan Nurdin, MCL, Fiqh Agreements in Islamic Banking in Indonesia (Banda
Aceh: Pena Foundation, 2014)h. 52

7
 Indeed, Allah commands you to convey the message to those who are
entitled to receive it, and when you set a law between people, you should
judge it justly. Indeed, Allah is the best who teaches you. Indeed Allah is
All-Hearing, All-Seeing.13
The convenience provided by PNM Mekaar Syariah Ma'rang Branch,

Pangkep Regency in raising funds through savings products that use wadi'ah

contracts is the main choice for people who have excess funds. The savings

product at PNM Mekaar Syariah is the right choice for people who want to

deposit their funds so that they are safe and can be withdrawn at any time. From

these advantages, this product has become a product that is in great demand by the

public. However, people do not know how the mechanism in detail regarding the

application of wadi'ah contracts on these savings products.

Based on the findings of field observations, the researcher feels that there

is a need for a more in-depth study related to how the implementation of wadi'ah

contracts, especially in savings products at PNM Mekaar Syariah. Therefore,

based on this, the researcher is interested in conducting research and examining

more deeply related to the above theme, therefore the researcher raises the title of

the study, namely:

“APPLICATION OF WADI'AH CONTRACT ON SAVING PRODUCTS IN

PNM MEKAAR SYARIAH MA'RANG BRANCH, PANKEP REGENCY”

B. Formulation of the problem

Based on the description of the context, the researchers formulated several

problems:

1. What is the Islamic view on wadi'ah contracts?

2. How is the implementation of wadi'ah contracts on savings products at PNM

Mekaar Syariah Ma'rang branch, Pangkep Regency?

13
RI Department of Religion, Al-Qur'an Mushaf Al-Hadi, (Jakarta: Maktabah al-Fatih,
2020)h. 87

8
C. Research Objectives and Uses

1. Research purposes

The objectives to be achieved by researchers in conducting this research

are as follows:

a. To find out how Islam views the wadi'ah contract.

b. To find out how the implementation of wadi'ah contracts on savings products

at PNM Mekaar Syariah Ma'rang branch, Pangkep Regency.

2. Research Use

This research is expected to provide clear information about the

application of wadi'ah contracts on the PNM Mekaar Syariah Savings product,

Ma'rang branch, Pangkep Regency, from this information it is expected to provide

practical and theoretical benefits, including:

a. Theoretical benefits

This research is expected to increase knowledge about wadi'ah contracts in

Mekaar Syariah savings products at the Ma'rang branch of Pangkep Regency, and

is also expected to be information, reference or reading material for students as

prospective employees or prospective customers at PNM Mekaar Syariah.

b. Practical benefits

This research is expected to provide information and connections to

advance the region through sharia-based financing or savings and will be more

aware of the importance of sharia-based savings to help improve people's welfare

and build the economy according to Islamic principles.

D. Research Focus and Focus Description

1. Research focus

Some literature explains that the research focus is a problem limitation that

contains general issues as research parameters. In this study, the focus of this

9
research emphasizes the application of wadi'ah contracts on savings products at

PNM Mekaar Syariah, Ma'rang branch, Pangkep Regency.

2. Description of Focus

a. Contract

According to the language of "contract" (‫ )ال‬plural al-'uqud (‫ )ال‬has the

meaning, namely to strengthen, bind. The opposite is to mean letting go. And in

meaning is a figurative meaning borrowed from the original meaning, which

means to strengthen, strengthen, guarantee, and promise.

Based on the general meaning (contract) as mentioned above, buying and

selling, leasing and all mu'awadhah contracts are called "contracts". Because each

party is committed to fulfill its promise and is bound to carry it out according to

the agreement.14

b. Wadi'ah

Linguistically a'-wad' means to leave. And al-wadi'ah literally means

something that is put in someone else's place to be guarded. As for the definition

of syara', the word wadi'ah is mentioned for safekeeping and for objects that are

deposited. And what is more rajah, wadi'ah is a contract, it's just that the correct

word for this custodial contract is al-iidaa' (custodial), not wadi'ah (deposited

goods).

The definition of a safekeeping contract according to a number of

scholarly scholars in the Hanafi School is the granting of authority from one

person to another to guard his property, whether conveyed openly by speech or

indirectly (dialalah). Like the words of the person who entrusted his goods to

14
Enang Hidayat, M.Ag, Sharia Economic Transactions, (Bandung: PT Remaja
Rosdakarya, 2016)h. 2

10
another person, "I entrust this item to you", then the person who is entrusted

receives it. This is a form of overt custody.15

c. Savings

Savings according to the Banking Law no. 10 of 1998 are deposits whose

withdrawals can only be made according to certain agreed conditions, but cannot

be withdrawn by cheque, bilyet giro, and/or other equivalent instruments.

The terms of certain withdrawals are in accordance with the agreement

made between the bank and the saver.16

E. Literature review

Supporting research so that it is directed towards the problem to be

studied, the authors try to conduct literature research that is relevant to the

problem that is the object of research. So that it gets the right reference related to

the application of the wadi'ah contract on the Savings product. Based on the

observations of researchers to date, there are still a lack of books, scientific

journals, theses from various sources of Islamic economics that specifically

discuss the application of wadi'ah contracts on savings products. However, there

are some scientific papers that have substantial discussion on the subject or that

allude to the problem of implementing wadi'ah contracts on Savings products.

Some studies that are relevant to this research are as follows:

1. Research conducted by sister Nurul Chikma in 2019 with a book

entitled "Implementation of Wadi'ah Agreements on Voluntary

Savings products in Kopena Pekalongan". In Nurul Chikma's book

there is a goal to be achieved, namely to find out how to apply

wadi'ah contracts to savings products. In his book, it is shown that

15
Prof. Dr. Wahbah Az-Zuhaili, Islamic Fiqh Wa Adillatuhu, Volume 5 (Depok: Gema
Insani, 2011)h. 556
16
Catharina Vista Okta, Banking Management, (Anonymous: Garudhawaca, 2020)h. 48

11
 the application of Voluntary Deposit Products at KOPENA

Pekalongan uses a wadi'ah yadhamanah contract where the

beneficiary of the deposit can take advantage of the deposited goods.

The recipient of the deposit is obliged to return the goods that are

deposited intact.17This book is the same in researching the

application of wadi'ah contracts on Savings products. While the

difference is in the book, namely the focus of the research is on

cooperatives.

2. Research conducted by Ida Febria Ningrum in 2018 with the title

"Implementation of Wadi'ah Akad on Sacrificial Savings in the

Sharia Financing Savings and Loans Cooperative Ideal Business

Partner, Bungah District - Gresik". In Ida Febria Ningrum's book

there is a goal to be achieved, namely to find out the implementation

of wadi'ah contracts in Kurban Savings in the Sharia Financing

Savings and Loans Cooperative Ideal Business Partner, Bungah

District – Gresik. In his book, it shows that the implementation of

sacrificial savings is in accordance with the applicable procedures at

the Ideal Mitra Usaha Syariah Savings and Loans Cooperative, and

the analysis of wadi'ah contracts on savings products, namely pure

deposits that can be taken according to the agreement of both parties

and there is a bonus from the agreement between the institution. with

customers, namely 60% institutions and 40% customers.18This book

is the same in researching the application of wadi'ah contracts on

17
Nurul Chikma,Implementation of the Wadi'ah Agreement on Voluntary Savings
products in Kopena Pekalongan(Pekalongan: IAIN Pekalongan Library, 2019).
18
Ida Febria Ningrum, Implementation of the Wadi>'ah Agreement on Sacrificial Savings
at the Sharia Financing Savings and Loans Cooperative Ideal Business Partner, Bungah – Gresik
District, Thesis (Sunan Ampel State University, 2018).

12
 Savings Products. While the difference is in the product of the object

of research that conducts research on two products, namely savings

and loans.

3. Research conducted by sister Hanifah Arifyanti in 2018 with the title

"Implementation of Wadiah Contracts on SIRELA Products

(Voluntary Savings) at BMT Amanah Usaha Mulia (AULIA)

Magelang". The thesis was submitted to D3 Islamic Banking at the

Faculty of Economics and Islamic Business at WALISONGO

STATE ISLAMIC UNIVERSITY SEMARANG 2018. Hanifah

Arifyanti's research has a goal to be achieved, namely to determine

the application of wadiah contracts on SIRELA products (Voluntary

Savings) at BMT Amanah Usaha Mulia (AULIA) ) Magelang. The

results of his research show that first, the SIRELA product

mechanism (Simpanan Suka Volunteer) is very structured. This is

proven by the existence of several sequences to become a member of

SIRELA (Voluntary Savings) products at BMT Amanah Usaha

Mulia (AULIA) Magelang, Among other things, members must keep

savings account books and know technically in making deposits,

withdrawals, and closing the SIRELA (Voluntary Savings) AULIA

savings. Second, this SIRELA (Voluntary Deposit) product is

implemented using the wadiah principle, wadiah can be interpreted

as a pure deposit from one party to another, both individuals and

legal entities, which must be preserved and returned whenever the

custodian wants it. In this SIRELA product (Voluntary Savings)

using the wadiah yad dhamanah principle. both individuals and legal

entities, which must be guarded and returned whenever the custodian

13
 wants it. In this SIRELA product (Voluntary Savings) using the

wadiah yad dhamanah principle. both individuals and legal entities,

which must be guarded and returned whenever the custodian wants

it. In this SIRELA product (Voluntary Savings) using the wadiah yad

dhamanah principle.19The similarity of the research above with the

research that the researchers did is that they both examined how the

wadi'ah contract was applied to savings products. The difference lies

in the research location, in the thesis Hanifah Arifyanti conducts

research on BMT Amanah Usaha Mulia, while researchers conduct

research at PNM which is a company under the auspices of BUMN.

4. Research conducted by sister Sinta Bela in 2018 with the title

"Analysis of Islamic Law Against Wadi'ah Contracts in Savings with

Direct Prizes (SEBELANG)". The thesis was submitted to the Sharia

Faculty of Raden Intan State Islamic University in 2018. The results

of this study indicate that basically a wadiah contract is a contract in

the form of a customer deposit that must be maintained and returned

whenever the customer wants it and the recipient of the deposit is

responsible for returning the deposit. This savings product with

prizes is a form of promotion carried out by the cooperative to attract

members to save in the cooperative. The advantages and facilities of

the sibelang product are savings, deposit period, types of prizes can

be negotiated and bonus prizes can be in the form of cars,

motorbikes, or household appliances, and others. In practice that

occurs in the community, especially Mulya Asri, the community is

19
Hanifah Arifyanti, Implementation of Wadiah Contracts on SIRELA Products
(Voluntary Deposits) at BMT Amanah Usaha Mulia (AULIA) Magelang, Thesis (Walisongo State
Islamic University, 2018)

14
 asked to save money with a nominal value of Rp. 100.000,- for 12

months, then will be given a prize (bonus) a motorcycle of a certain

brand and type. In the practice of giving gifts by KSPPS Wijaya

Kesuma Kotagajah it is not in accordance with Islamic law and the

provisions of the National Sharia Supervisory Board No. 86/DSN-

MUI/XII/2012 regarding gifts in raising funds for Islamic financial

institutions. Basically, the provision of incentives or gifts to Islamic

financial institutions is allowed as long as the cooperative does not

promise the gift at the beginning of the contract and does not specify

the type of gift to be given to the customer and the customer can take

the money deposited according to his will.20The similarity of the

research above with the research that the researchers did, namely

both researching wadiah contracts on Savings / Savings products.

The difference is, in sister Sinta Bela's thesis, the research location is

carried out at the Savings and Loans Cooperative.

From some of the research titles above, of course, have similarities with
the main problems that researchers will examine. Several studies above explain

the application of wadi'ah contracts to savings products. While the differences

between some of the studies above and the research that the researchers did are in

the research location, the research above focused on cooperative businesses, while

the research that the researchers conducted focused on companies under the

auspices of state-owned enterprises, namely PT. PNM (Persero).

F. Theoretical Review

1. Contract

a. Meaning of Akad

20
Sinta Bela, Analysis of Islamic Law on Wadi'ah Contracts in Direct Prize Savings
(SIBELANG), Thesis (Raden Intan State Islamic University, 2018)

15
 In Arabic there are a number of terms used related to contracts or

agreements, namely al-wa'ad, al-aqad, al-ahdu, and iltizam.

Al-ahduis a bond that occurs between humans and God, in the form of a

primordial agreement in the womb and an agreement for the establishment of

human nature that is subject to goodness, as well as the agreement of the prophets

with God to convey messages/orders to mankind.

Al-Wa'adnamely the desire expressed by someone to do something. Be it

actions or words, in order to benefit the other party. The majority of scholars

(Hanafyah, Syafiyah, Hanabilah, and some Malikiyah) are of the opinion that

promises are only morally binding, not legally binding. A small number of

scholars, Ibn Shubrumah, Ishaq, Hasan Basri, and some Malikiyah, promise not

only morally binding, but also legally binding if it is associated with a cause or the

fulfillment of an obligation, whether stated in the wa'ad statement or not.

Al-Aqadnamely the bond between two things, both a real bond and a

meaningful bond, from one aspect or from two aspects. Akad is the relationship

between consent and acceptance in accordance with the will of the Shari'a which
stipulates the legal influence (effect) of the pattern of the object of the

engagement.

Iltizamnamely a situation where a person is required by sharia law to do or

not to do something for the benefit of another person. The word iltizam was

originally used only to indicate an engagement that arises from a one-sided will.

But lately it is often used to refer to the engagement as a whole.21

b. Pillars of Akad

Pillars of scholars differ in determining the pillars and terms of the

contract. Hanafiyah scholars are of the opinion that there is only one pillar of the

21
Dr. Andri Soemitra, MA, Sharia Economic Law and Muamalah Fiqh, (East Jakarta:
Kencana, 2019)h. 38

16
contract, namely shighat al-'aqd (ijab and qabul).22. As for the person who holds

the contract or other things that support the occurrence of the contract, it is not

categorized as pillars, because its existence is certain.23

c. Contract Terms

The scholars mention the conditions related to the contract as follows:

1. The conditions for the occurrence of the contract, namely something that

makes the contract valid according to the syara', then if it does not meet

these conditions, it will be void. There are two kinds of these conditions,

namely: general conditions and special conditions, general conditions,

namely conditions that must exist in every contract. While the special

conditions are conditions that must exist in some parts of the contract and

do not have to be in other parts.

2. Conditions for the validity of the contract, namely something that is

required by syara' to regulate the impact of the contract. If the conditions

are not met, then the contract is broken. Among the general conditions for

the validity of a contract, according to Hanafiyah scholars, is the

avoidance of the contract from six things, namely obscurity, coercion, time

restrictions, obscurity, harm, and damaged conditions.

3. Conditions for the implementation of the contract, it is required that the

contract be carried out by two things, namely ownership and power.

Ownership means someone who has the freedom of prohibition against it,

such as crazy, idiot, stupid, and still small. Meanwhile, power means the

rights that are fully owned by a person in the inheritance of objects, both

22
Sri Sudiarti, Contemporary Muamalah Fiqh, (Medan: Febi UIN-SU Press, 2018)h. 56
23
H. Syaikhu, et al, Fiqh Muamalah Understanding Contemporary Concepts and
Dialectics, (Yogyakarta: K-Media, 2020)h. 24

17
 original rights as he did himself or his representatives or replacements or

people who were given a will by him.

4. Terms of legal certainty or binding. The basic principle in the contract is

legal certainty. It is required that the contract has legal certainty, it must be

free from one of the khiyar which allows one of the two parties to cancel

the contract. For example khiyar conditions, 'disgrace or khiyar rukyat 24.

d. Types of Contracts in Islamic Economics

1. Murabaha, which is a sale and purchase contract where the price and

profit are agreed upon by the seller and the buyer. The type of goods has

also been submitted after the sale and purchase agreement of the goods.

Payment can be made in installments or in lump sum payments. In this

case the buyer pays more than the agreed profit.

2. Wadi'ah, is a contract for the deposit of goods or money between the party

who owns the goods or money and the party entrusted with the security,
safety and integrity of the goods or money deposited.

3. istishna, is a goods financing contract that is realized in the form of

ordering and manufacturing goods with certain criteria and conditions that

have been agreed between the buyer or buyer and the seller or maker.

4. Eve, is a debt transfer agreement originating from a debtor to another party

so that it is obliged to pay or bear it.

5. MusharakahThese types of contracts are cooperation contracts between

two or more parties in a particular business. Each party will provide a

portion of the funds provided that profits will be divided according to the

24
Enang Hidayat, M.Ag, Sharia Economic Transactions, (Bandung: PT Remaja
Rosdakarya, 2016)h. 19

18
 agreement while losses are borne according to the portion of funds from

each party.

6. RegardsSalam contract is a financing contract of an item by ordering.

Payment of the price is made in advance with certain conditions that have

been agreed upon by each party.

7. QardVarious types of contracts, this one is one of the loan agreements for

customers. The provisions in this contract are that the customer is obliged

to return the funds he has received within the agreed time.

8. Ijarahijarah contract is the provision of funds in order to transfer the

usufructuary rights or benefits of an item or service based on a lease

transaction without the need for a transfer of ownership of the item to be

followed.

9. Ijarah Muntahiya BittamlikThis contract is a fund provider contract to

transfer the usufructuary rights or benefits of an item or service based on a

lease transaction with the option of transferring from ownership of the

goods.
10. Musharaka Mutanaqisah, a contract between two or more parties who are

unionized or have shared an item, where one party buys the other party's

share in stages.25

e. Cause of the End of the Contract

The causes that cause the end of the contract are divided into two parts,

namely the will of the person making the contract (ikhtiyariyah) and the

emergency arena (dharuriyah).

1) Because Ikhtiyariyah

25
Husnul Abdi, The types of contracts in Islam that need to be known and their
explanations,https://m.liputan6.com/hot/read/4555099/RANGE-Akad-dalam-islam-yang-perlu-
diketahui-berikut-pen Kemerdekaanan?(Accessed on December 19, 2021).

19
 What is meant by these causes are faskh, iqalah, and the expiration of the

time or work that has been determined in the contract, such as in renting or

wages (ijarah).

2) Because Daruriyah

a. Damage to the object of the contract (ma'qud 'alaih), such as in the

contract of rent or wages (ijarah) with the destruction of the vehicle

and the collapse of the house to be rented, so that it cannot be used.

Likewise, damage to objects that will be lent in an 'ariyah contract and

damage to objects deposited in a wadi'ah contract, or loss of capital in

a syirkah contract.

b. The end of the contract due to an unexpected event, such as the death

of one or both parties, or due to an excuse that does not allow the

contract to proceed perfectly.

c. Deprived (ghasab) or stolen contract object by someone else.

2. Wadi'ah contract

a. Definition of wadi'ah contract

In language al-wad' means to leave. And al-wadi'ah literally means

something that is placed in someone else's place to be guarded.

As for the definition of syara' means ida' (deposit) and also for goods that

are deposited. Etymologically it can be interpreted as the granting of power by the

trustee to the person who keeps his property26.

The definition of a safekeeping contract according to a number of

scholarly scholars in the Hanafi School is the granting of authority from one

person to another to guard his property, whether conveyed openly by speech or

indirectly (dialalah). Like the words of people who entrust their goods to other

26
Andi Soemitra, Sharia Economic Law and Muamalah Fiqh, (East Jakarta: Kencana,
2019)p.156

20
people, "I entrust this thing to you," then the person who is entrusted receives it.

This is a form of open custody. As for dilaalah, for example, someone comes to

another person with his clothes and puts it in front of him while saying, "This is a

deposit with you," then the person who was given the clothes is silent, then he

becomes the person who is entrusted with it.

The person entrusted is called mawaddi, and the person entrusted is

muwadda' or wadii'.27

b. Wadi'ah Pillars

The pillars of wadi'ah are things that are related or that must be in it that

cause a wadi'ah contract, namely:

1) Muwaddi(person who entrusted)

2) Wadi'i(person entrusted with the goods)

3) Wadi'ah(deposited item)

4) Shigot(ijab and acceptance)28

c. Wadi'ah contract conditions

According to the Hanafi scholars, two people who perform the wadii'ah
contract are required to be reasonable, so it is not legal to care for unreasonable

children and crazy people. As is illegal, it is also illegal to accept deposits from

crazy people and unreasonable children.

In this case, the child's age is not required, so it is legal to care for small

children who are allowed to sell, because this care is what is needed by a seller.

As well as legal care for small children who have been allowed to do trading,

because he is the one who can do the care.

27
Prof. Dr. Wahbah Az-Zuhaili, Islamic Fiqh Wa Adillatuhu Volume 5, (Depok: Gema
Insani, 2011)h. 556
28
Fithriana Syarqawie, Fiqh Muamalah, (Banjarmasin: IAIN Antasari Press, 2015) p.123

21
 As for small children who are mahjuur (barred from spending wealth), then

it is not valid to receive a deposit from him, because generally the small child is

not able to keep the property.

According to the majority of scholars, the wadii'ah contract also requires

things that are required by wakalah, such as being of age, being reasonable, and

being able to manage the expenditure of assets.

In a wadii'ah contract, something deposited is required to be accepted, so

that if someone entrusts a slave who is running away or a bird that is flying in the

air or property that falls in the sea, then the person who is entrusted with it is not

obliged to provide compensation if things happen that the deposit is not wanted.29

d. Types of wadi'ah contracts

1) Wadiah Yad Al-Amanah

Wadiah yad al-amanahis a pure deposit from the party who

entrusted the goods to the recipient of the deposit. The recipient of the

deposit must protect and maintain the goods deposited and are not allowed

to use them. The recipient of the deposit will return the item deposited in
full to the party who entrusted it whenever the item is needed.30

2) Wadiah Yad Dhamanah

Wadiah yad dhamanahis a contract between two parties, one party

as the entrusting party (customer) and the other party as the party receiving

the deposit. The recipient of the deposit can take advantage of the goods

deposited. The recipient of the deposit is required to return the goods that

29
Prof. Dr. Wahbah Az-Zuhaili, Islamic Fiqh Wa Adillatuhu Volume 5, (Depok: Gema
Insani, 2011)h. 558
30
Drs. Ismail, MBA., Ak, Islamic Banking, (Jakarta: Kencana, 2016)h. 48

22
 are deposited intact. The recipient of the deposit is allowed to give rewards

in the form of bonuses that were not previously agreed upon.31

e. The syar'i foundation of the wadi'ah contract

The basis of the Syar'I Wadiah contract is the word of Allah subhanau wa

ta'ala in QS an-Nisaa: 58
ٰٓ ْ ‫اِنََّّللاَُّا َ ْن‬
ِ ‫َّالََّاِلىَّا َ ْه ِل َه ۙاَّاِذَا َح َك ْمت ُ ْمَّالن‬
ْ ‫اسَّا َ ْن‬
َّ‫َّاَّالعَدْ ِلَّاِنَّهللاََّاَّبِ ِهَّاِن‬
‫هللاََّانَ َّاًَّا‬
The translation:

Indeed, Allah commands you to convey the message to those who are
entitled to receive it, and when you set a law between people, you should
judge it justly. Indeed, Allah is the best who teaches you. Indeed Allah is
All-Hearing, All-Seeing.32
f. The end of the wadi'ah contract

Wadi'ah contracts end with the following:

1) Items deposited are taken or returned to their owners. If the owner of the

goods takes the goods that he has deposited or the person who is entrusted

gives it to the owner, then the wadi'ah contract is a non-binding contract

which ends with the owner taking the deposited goods, or it is handed over

by the person who is entrusted it to the owner.

2) Death of the person who is entrusted or the person who is entrusted. This

wadi'ah contract ends with the death of one of the parties to the contract,

because the contract takes place between the two parties to the contract.

3) Crazy or not aware of one of the parties to the contract. This resulted in the

end of the wadi'ah contract due to the loss of ability to spend his wealth.

31
Drs. Ismail, MBA., Ak, Islamic Banking, (Jakarta: Kencana, 2016)h. 50
32
RI Department of Religion, Al-Qur'an Mushaf Al-Hadi, (Jakarta: Maktabah al-Fatih,
2020)h. 87

23
 4) People who are entrusted are prohibited from spending wealth (mahjur)

because of stupidity, or people who are entrusted are prohibited from

spending assets because they are bankrupt. This is in order to maintain the

benefit of both.

5) The transfer of ownership of the object entrusted to another person. This

wadi'ah contract ends with the transfer of ownership of the object entrusted

to another person, a grant or otherwise.33

3. Savings

a. Definition of Savings

Savings are deposits of third party funds that can be withdrawn according

to the agreement between the bank and the customer who holds the savings

account. Even though savings are savings funds that can be withdrawn at any

time, the deposition is relatively more stable than funds from current accounts,

because checking accounts can be withdrawn and/or transferred from other

banks.34

b. Types of Savings
1) Conventional savings

This form of savings is mostly owned by the public, where funds stored in

conventional savings can be withdrawn at any time as long as there is a

balance in the savings account, the customer will be charged an

administration fee whose amount is adjusted to the type of card and the

requirements that apply at the bank.

2) Savings Investment Deposit

33
Prof. Dr. Wahbah Az-Zuhaili, Islamic Fiqh Wa Adillatuhu Volume 5, (Depok: Gema
Insani, 2011)h. 572
34
Ismail, Banking Management, (Jakarta: Prenada Media, 2018)h. 25

24
 This savings is a combination/combination of investment in the form of

savings and time deposits, where customers who place their funds in this

form of savings will earn relatively higher interest rates compared to

ordinary savings.

3) Time Savings

Term savings are a type of savings whose deposits are made in stages and

will be withdrawn or disbursed in the future, either partially or completely,

these savings are usually carried out by customers who want to buy goods

or need funds in the future.

4) my savings

Tabunganku is a form of savings with a low initial deposit, which is Rp.

20,000,- and free of administration fees, it aims to foster a culture of

saving in the community and can reach people who do not have savings in

a bank.

5) Children's Savings

This type of savings aims to educate children to save for the future. This is
of course to prevent extravagance which will later backfire for himself,

one of which is getting into debt. Therefore, banks now provide special

savings for children with very attractive appearances, ranging from

passbooks to ATM cards. This of course will make them happier and more

motivated to save.35

c. Savings Goal

1) Customers feel safe keeping their money in the form of savings.

35
R. Chepi Safei Jumhana et al, Bank Fund Management and Accounting, (South
Tangerang: Unpam Press, 2021)h. 202

25
 2) Customers can easily withdraw their savings, one of which is an ATM

machine.

3) For savings, so that all of their income is not used for shopping. 36

d. Benefits of saving

Saving has many benefits, including:

1) Learn to live frugally

Savings activities that are carried out regularly, for example after a

person's payday will set aside their income to save.

2) Availability of money when urgent

One of the benefits of saving is when something sudden happens, one of

which is sick. Of course, sick conditions require additional costs and can

use the money in their savings.

3) Prevent debt

An urgent situation such as an illness that requires treatment, but does not

have the availability of funds is one way to go into debt. If you already

have savings, you don't need to go into debt.

4) Investment

Saving can be one way of investing. So that future life will be more

comfortable to meet the needs. Or it can be used as a retirement plan.37

G. Research methods

1. Type, Time and Location of Research

a. Types of research

36
Serafica Gischa, Saving: definition, purpose, benefits and
advantages,https://www.kompas.com/skola/read/2020/02/05/190000969/menabung-definisi-
purpose-benefits-dan-keuntungannya (Accessed on December 22, 2021)
37
Serafica Gischa, Saving: definition, purpose, benefits and
advantages,https://www.kompas.com/skola/read/2020/02/05/190000969/menabung-definisi-
purpose-benefits-dan-keuntungannya (Accessed on December 22, 2021).

26
 In this study, researchers used qualitative research methods. Qualitative

research method is research that produces descriptive data in the form of words,

notes related to meaning, value and understanding. 38

b. Research Time and Location

The time used by researchers for this research was carried out from the

date of issuance of the research permit within a period of approximately 2 (two)

months, 1 month of data collection and 1 month of data processing which includes

presentation in the form of a thesis and the guidance process takes place.

The research location is needed to obtain the required information. In this

study, the location that the researcher made the object of research was at PNM

Mekaar Syariah Ma'rang Branch, Pangkep Regency

2. Research Approach

In this study the author uses a sociological approach. What is meant by

sociology is a scientific effort to study society and the social behavior of its

members and make the community concerned in various groups and conditions. 39

In this study, the researcher used a sociological approach because the

purpose of this study was to describe how the Wadi'ah Agreement was applied to

the Mekaar Syariah PNM Savings product, Ma'rang Branch, Pangkep Regency.

3. Data source

The initial activity in the research process phase is to determine the source

of the data. Data in a study, is the main material that can be processed and

analyzed to answer research problems. The research data in the field is very large,

as many as the problems being faced. However, because the research has a

38
Kaelan, Interdisciplinary Qualitative Research Methods, (Yogyakarta: Paradigma,
2012)h. 5
39
Janu Murdiyatmoko, Sociology: Understanding and Studying Society (Cet. I; Bandung:
Grafindo Media Pratama, 2007)h. 10

27
predetermined purpose, not all available data are in accordance with the research

problem.40In this research, what the researcher did is concluded the data through

several data sources as follows:

a. Primary data

Primary data collection requires researchers to clearly define the

population being investigated, as well as the units of analysis that make up that

population. Population refers to all related units, for example: ecosystem, people,

company.41

b. Secondary Data

Basically, research requires secondary data as the basic background of

why a research needs to be carried out until the initial hypothesis is taken, the

context of the research problem to the description of ideas and

theories.42Secondary data is data collected not only for the purposes of a particular

research.43The secondary data sources in this research are journals and books

related to research, pre-existing scientific works, and internet sites related to the

research conducted.
4. Method of collecting data

To obtain the data needed in this writing, the data collection methods used

are:

a. Observation

40
Salim and Haidir, Educational Research, Methods, Approaches, and Types (Jakarta:
Kencana, 2019)h. 71
41
Hardani et al, Qualitative and Quantitative Research Methods (Yogyakarta: Science
Library, 2020)h. 402
42
Hardani et al, Qualitative and Quantitative Research Methods (Yogyakarta: Science
Library, 2020)h. 403
43
Istijanto Oei, Human Resources Research (Cet. IV; Jakarta: PT Gramedia Pustaka
Utama, 2010)h. 33

28
 Observation or also called observation, includes the activity of loading

attention to an object by using all the senses. 44Observation is a method for

collecting data which is done by observing what happens in the field and

recording the symptoms or signs that will be investigated by observing directly in

the field by systematically recording the required data, namely the Application of

Wadi'ah Contracts on Savings Products at PNM Mekaar Syariah Branch Ma'

Pangkep District.

b. Interview

Interview (interview) is where the researcher will know more in-depth

things about the participants in interpreting situations and phenomena that occur,

so that they cannot be found through observation.45Interview is a dialogue

conducted by the interviewer to obtain information from the interviewee. Judging

from the implementation, the interview is divided into three parts:

1) Free interview, the interviewer is free to ask anything related to the data to

be concluded.

2) Guided interviews, namely interviews conducted in which the interviewer

brings a complete set of questions and contains as intended in a structured

interview.

3) Guided free interview, is a combination of free interview with guided

interview. The interviewer brings a guide which is only an outline of what

will be asked.46

In the several types of interviews above, the researcher uses the last type of

interview, namely free guided interviews, in order to obtain valid data and focus

44
Winarno, Research Methods in Physical Education. (Semarang: UM Press 2013)h. 106
45
Sugiyono, Quantitative, Qualitative, and Combination-Mixed Methods Research
Methods, (Bandung: Alfabeta, 2015), 316.
46
Winarno, Research Methods in Physical Education, (Semarang: UM Press 2013)p.104

29
on the main problem being studied, namely the Implementation of Wadi'ah

Contracts on Savings Products at PNM Mekaar Syariah, Ma'rang Branch,

Pangkep Regency.

c. Documentation

Documentation is a way of collecting data through the study of written

sources such as books, reports, meeting minutes, diaries, and so on that contain

data or information needed by researchers.47This method is used by researchers to

find and find out data about the Wadi'ah Akad and how it is applied to Savings

products and other documents related to research.

5. Research Instruments

In qualitative research, the instrument or research tool is the researcher

himself. Therefore, the researcher as an instrument must also be "validated" how

far qualitative researchers are ready to carry out research which then goes into the

field.48Research instruments require tools used to collect data, these tools are what

we call research instruments. In qualitative research, the research instrument or

tool is the researcher himself. With reference to the data collection method on the
researcher, the research instruments used are:

a. Observation sheet, a sheet containing the results of direct observations at the

research site.

b. The interview sheet is an instrument that contains a number of interview

questions related to the issues discussed, namely the Implementation of the

Wadi'ah Agreement on Savings Products at PNM Mekaar Syariah, Ma'rang

Branch, Pangkep Regency.

47
Rifa'i Abubakar, Introduction to Research Methodology, (Yogyakarta: SUKA Press
2021) h. 114
48
Hardani, Qualitative and Quantitative Research Methods (Yogyakarta: Pustaka Ilmu,
2020)h. 116

30
c. Documentation sheet is a research instrument that contains documents related

to the issues discussed.

6. Data Management and Analysis Techniques

Qualitative data analysis is the process of systematically searching for and

compiling data obtained with the results of interviews, field notes and other

materials so that they can be easily understood so that they can be informed to

others.49Activities in qualitative data analysis are carried out interactively and take

place continuously until complete, so that the data is saturated. The measure of

data saturation is indicated by no more new data or information being obtained.

Activities in this analysis include:

a. Data reduction

Data reduction is defined as the process of selecting, focusing on

simplification, abstracting and transforming rough data that emerges from written

records in the field.50In simple terms it can be concluded that data reduction is not
defined as a change to quantitative things. However, the activities in which

simplification is carried out are carried out in various other forms with the aim of

making it easier to draw conclusions.

b. Data Presentation

Presentation of data is one of the activities in making reports on research

results that have been carried out so that they can be understood and analyzed in

accordance with the desired goals.51After data reduction, the next step is to
49
Hengki Wijaya, Qualitative Data Analysis of Theological Education (Makassar: Jaffray
Theological College, 2018)h. 52
50
Salim and Syahrum, Qualitative Research Methodology, (Bandung: CitaPustaka, 2012)
h. 148
51
Yessi Harnani and Zulmeliza Rasyid, Basic Health Statistics (Cet. I; Seleman:
Deepiblish, 2015)h. 14

31
present the data in various forms, depending on the type of data and the scale of

measurement.

Researchers present data in the form of interview notes that are in

accordance with interview guidelines then analyzed and presented in text form.

c. Data verification

The next step in qualitative data analysis is drawing conclusions and

verification, the initial conclusions put forward are temporary and will change if

strong evidence is found that supports the next stage of data collection. 52The data

that is verified after conducting research is data from interviews so that

conclusions can be drawn regarding the Implementation of the Wadi'ah

Agreement on Savings Products at PNM Mekaar Syariah, Ma'rang Branch,

Pangkep Regency.

7. Data Validity Test

In qualitative research, the data is declared valid if there is no difference

between what was reported by the researcher and what actually happened to the

object under study. The truth of reality in qualitative research is not singular but
plural and depends on the researcher's ability to construct the observed

phenomena. Test the validity of the data in qualitative research including:

a. Credibility test

The credibility test assesses the veracity of the qualitative research

findings by conducting extended observations, improvements, persistence,

triangulation, discussions with colleagues, negative case analysis and member

checks.53The researcher conducted a credibility test to assess the truth regarding

52
Umar Sidiq and Moh Miftachul Choiri, Qualitative Research Methods in the Field of
Education, (Ponorogo: CV Nata Karya, 2019)h. 84
53
Prof. Dr. Sugiyono, Management Research Methods (Bandung: Alfabeta, 2018)h. 435

32
the implementation of the Wadi'ah Agreement on Savings Products at PNM

Mekaar Syariah.

b. Transferability test

Transferability in qualitative research relates to the question, to which the

research can be applied or used in research and other situations. Transferability

test depends on the user, when the research results are used in other social

contexts and situations.54

c. Confirmability test

The confirmability test is similar to the dependability test so that the tests

can be carried out simultaneously. Confirmability test means testing the research

results, associated with the process carried out. If the research results are a

function of the research process carried out, then the researcher has met the

confirmability test. 55

54
Prof. Dr. Sugiyono, Quantitative, Qualitative and R&D Research Methods (Bandung:
Alfabeta, 2017)h. 277
55
Prof. Dr. Sugiyono, Management Research Methods (Bandung: Alfabeta, 2018)h. 445

33
 CHAPTER COMPOSITION

PIG PRELIMINARY

A. Background of the problem

B. Formulation of the problem

C. Research Objectives and Benefits

D. Research Focus and Focus Description

E. Literature review

CHAPTER II THEORETICAL REVIEW

A. Contract

1. Meaning of Akad

2. Pillars of Akad

3. Contract Terms

4. Kinds of Akad

5. Cause of the End of the Contract

34
 B. Wadi'ah contract

1. Understanding Wadi'ah Contracts

2. Wadi'ah Pillars

3. Wadi'ah contract conditions

4. Types of Wadi'ah Contracts

5. The Foundation of Syar'i Wadi'ah Contract

6. The end of the Wadi'ah contract

C. Savings

1. Definition of Savings

2. Types of Savings

3. Savings Goal

4. Savings Benefits

CHAPTER III RESEARCH METHODOLOGY

A. Type, Time and Location of Research

B. Research Approach

C. Data source
D. Method of collecting data

E. Research Instruments

F. Data Management and Analysis Techniques

G. Data Validity Test

CHAPTER IV RESEARCH RESULT

A. Research result

1. Overview of Research Locations

2. What is the Islamic view on the Wadi'ah Agreement.

35
 3. Implementation of Wadi'ah Agreement on savings products

at PNM Mekaar Syariah Ma'rang branch, Pangkep

Regency.

CHAPTER V CLOSING

A. Conclusion

B. Suggestion

BIBLIOGRAPHY

APPENDICES

LIST OF AUTHOR'S LIVE HISTORY

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Eternal Glory, 2013

thian,Alexander, Islamic Economics, Yogyakarta: Andi, 2021

santi,May, “Development of Sharia Economics in Indonesia,”

Ejurnal.staim.tulungagung 7, no. 01 (2019)

Rachim,Abd, Money and Financial Institutions, Jakarta: PT Perca, 2021

Mahardika, Dewa PK, Knowing Financial Institutions, Bekasi , Gramata

Publishing, 2015

Colistiawan,Budi, Challenges of Islamic Financial Institutions in Facing the

Asean Economic Community, Tulung Agung: IAIN Tulung agung, 2017

36
Octaryla,Riska, Role of PT. MADANI NATIONAL CAPITAL (PERSERO)
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Mataram: T.TH

OJK, Getting to Know the Special Financial Services Institution: PT Permodalan

Nasional Madani
(Persero)https://sikapiuangmu.ojk.go.id/FrontEnd/CMS/Article/40689
(Accessed On December 17, 2021).

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https://www.pnm.co.id/business/pnm-mekaar (Accessed on December 17,
2021)

Nurdin, Ridwan, Fiqh Agreements in Islamic Banking in Indonesia, Banda Aceh:

Pena Foundation, 2014

RI Ministry of Religion, Al-Qur'an Mushaf Al-Hadi, Jakarta: Maktabah al-fatih,

2020

Hidayat, Enang, Sharia Economic Transactions, Bandung: PT Pemuda

Rosdakarya, 2016

Az-Zuhaili,Wahbah, Islamic Fiqh Wa Adillatuhu Volume 5, Depok: Gema Insani,

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Okta, Catharina Vista, Banking Management, Anonymous: Garudhawaca, 2020

Chikma,Nurul,Implementation of the Wadi'ah Agreement on Voluntary Savings

products in Kopena Pekalongan(Pekalongan: IAIN Pekalongan Library,
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nigrum,Ida Febria, Implementation of the Wadi>'ah Agreement on Sacrificial

Savings in the Sharia Financing Savings and Loan Cooperative Ideal
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Arifyanti,Hanifah, Application of Wadiah Contracts on SIRELA Products
(Voluntary Deposits) at BMT Amanah Usaha Mulia (AULIA) Magelang,
Thesis (Walisongo State Islamic University, 2018)

Bela,Sinta, Analysis of Islamic Law on Wadi'ah Contracts in Direct Prize Savings

(SIBELANG), Thesis (Raden Intan State Islamic University, 2018)

Soemitra, Andri, Sharia Economic Law and Muamalah Fiqh, East Jakarta:
Kencana, 2019.

Sudiarti,Sri, Contemporary Muamalah Fiqh, Medan: Febi UIN-SU Press, 2018

Shaykh.H, et al, Muamalah Fiqh Understanding Contemporary Concepts and

Dialectics, Yogyakarta: K-Media, 2020)

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