Analisis Fatwa DSN-MUI Terhadap Mekanisme Denda Pencairan Sebelum Jatuh Tempo Deposito Muḍārabah
Abstract
Deposits are savings that can only be withdrawn within a certain period of time, and withdrawals before maturity are often subject to penalties. The application of penalty fees in sharia banking varies. This is also reinforced by the pros and cons statements from several previous studies. Qualitative research in the form of case studies with a normative approach. The results of the research show that (1) the practice of penalty fees at BTN Syariah KCP Ciputat which are charged to customers when disbursing deposit funds before maturity does not contain any elements of gārar or ambiguity. (2) the penalty applied by BTN Syariah KCP Ciputat is in accordance with DSN-MUI fatwa No. 123/DSN-MUI/XI/2018 concerning the use of funds that may not be recognized as income for Islamic Finance Institution.
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