IMPLEMENTASI AKAD WADI’AH PADA TABUNGAN HAJI DALAM KITAB FATHUL QARIB DI BMT UGT NUSANTARA GENTENG BANYUWANGI

This study aims to examine the implementation of the wadiah contract in the Hajj savings product at BMT UGT Nusantara Genteng Banyuwangi and review its compliance with the provisions of Islamic jurisprudence contained in the book Fathul Qarib. The wadiah contract is a type of deposit contract in Islamic jurisprudence that allows someone to entrust their assets to another party for safekeeping. In the context of Islamic financial institutions, the wadiah contract is used as the legal basis for savings products that do not provide a fixed return, but allow for the provision of bonuses (grants) voluntarily by the institution.
This research uses a qualitative approach with a case study method. Data were collected through interviews with BMT heads, BMT members or customers, and UIMSYA lecturers as expert informants, as well as direct observation and documentation. Furthermore, the data were analyzed using a descriptive-analytical approach based on a fiqh perspective sourced from the book Fathul Qarib and books Bajuri on it.
The results of the study indicate that the implementation of the wadiah contract in the Hajj savings at BMT UGT Nusantara is in accordance with the basic principles of Fathul Qarib, namely there is no obligation for the party entrusted with providing benefits, as well as clarity regarding the status of funds as a trust (amanah). However, in practice, BMT provides grants as a form of appreciation without any prior agreement, thus remaining within the corridor of sharia. This study concludes that the use of the wadiah contract in the Hajj savings product at BMT UGT Nusantara is acceptable according to sharia and is in line with classical provisions in fiqh literature.