Implementasi Akad Produk Tabungan Rencana di PT. Bank Syariah Mega Indonesia Gallery Cianjur

Abstract

Mudharabah savings is one product collector of funds applied to PT. Bank
Syariah Mega Indonesia Gallery Cianjur which one is the product Savings
Plan. On the product Savings Plan in PT. Bank Syariah Mega Indonesia Gallery
Cianjur use mudharabah product and in doing transactions through book
Savings Savings Plan Home / parent who uses contract wadiah.
That mechanism Savings Plan held by PT. Bank Syariah Mega Indonesia
Gallery Cianjur is (1) Fill out the application form Individual customers /
Institutions; (2) Fill out the contract form wadiah (primary Savings); (3) Fill
out the deposit slip early; (4) Fill out the form mudharabah (Savings Plan); (5)
Customer Savings Plan (mudharabah) regularly to conduct the transaction
to go through Main Savings account book / parent use wadiah agreement;
(6) Facilities Savings Plan that is certified as proof of ownership savings
and checking account books as a book report. Legal basis in the product
Savings Plan (mudharabah) No DSN. 02/DSN­MUI/IV/2000 on Saving.
In perspective muamalah two covenants in the transaction was prohibited.
In practice the contract products Savings Plan (mudharabah) it looks like
there are two covenants in the transaction, the results of that research in the
contract mechanism problems Savings Plan product in PT. Bank Syariah
Mega Indonesia Gallery Cianjur is procedural only from banks and are in
accordance with the fatwa of DSN No.02 and there are no violations in fikih
muamalah.