Implementasi Akad Syariah Pada Produk Tabungan iB Hijrah Rencana di Bank Muamalat Indonesia

Abstract

Mudharabah savings are one of the fundraising products implemented at PT. Bank Muamalat Indonesia, one of which is the Tabungan iB Hijrah Rencana product. The Tabungan iB Hijrah Rencana product uses a mudharabah contract. The product contract in the Savings Plan in the Parent Savings book uses a wadi'ah contract.

The Tabungan iB Hijrah Rencana mechanism implemented by PT. Bank Muamalat Indonesia is (1) Filling out the Account Opening Form for Individual/Non-Individual Customers with wadi’ah Contracts (Master Account); (2) Deposit Initial Deposit funds for the master account; (3) Fill out the Account Opening Form for Individual/Non-Individual Customers with mudharabah Contracts (Tabungan iB Hijrah Rencana); (4) Tabungan iB Hijrah Rencana (mudharabah) Customers routinely to carry out their transactions must go through the main Savings account book that uses a wadi’ah contract; (5) Tabungan iB Hijrah Rencana Facility, namely obtaining a savings book as proof of ownership and a checking account as a report book. The legal basis for the Tabungan iB Hijrah Rencana product (mudharabah) is the DSN Fatwa No. 02/DSN-MUI/IV/2000 concerning Savings. In the perspective of muamalah, two contracts in one transaction are prohibited. In practice, the Tabungan iB Hijrah Rencana product contract (mudharabah) looks like there are two contracts in one transaction. However, from the results of the study, it turned out that it was only a procedural technical problem from the bank. In essence, this is in accordance with the DSN fatwa No. 02 and there are no violations in fiqih muamalah.

Keywords: Mudharabah, wadi’ah, saving, Bank Muamalat Indonesia.