Perspektif Fatwa DSN-MUI Terhadap Skema Akad Muḍārabah dan Skema Arisan Berhadiah pada Produk Tabungan Safari dan Simpanan Prima

Abstract

In the DSN-MUI fatwa No.115/DSN-MUI/IX/2017 concerning muḍārabah contracts in the sixth part number 3 regarding the profit sharing ratio, it cannot be in nominal form or a percentage figure of business capital and DSN-MUI fatwa Number 86/DSN-MUI /XII/2012 concerning prizes in raising funds for Sharia Financial Institutions in the third part of the provisions relating to prizes, where promotional prizes given by Sharia Financial Institutions to customers must be in the form of goods or services, and cannot be in the form of money. This research uses qualitative methods with an empirical approach.  The results of the research show that (1) Analysis of the review of Safari Savings and Prima Savings practices at Kospin Jasa Syariah Warung Buncit is in accordance with sharia principles, where in xviii the transactions use a muḍārabah contract. (2) The practice of muḍārabah contracts on safari savings and prime savings is in accordance with DSN-MUI fatwa No. 115/DSN-MUI/IX/2017 concerning muḍārabah contracts, whereas Safari Savings and Prima Savings for customers in the form of money are not in accordance with DSN-MUI fatwa No. 86/DSN-MUI/XII/2012.