SHARIA BANK GOLD SAVINGS AGREEMENTS IN INDONESIA ACCORDING TO FIKIH AND FATWA DSN MUI
In Indonesia, Islamic legal fatwas are not binding rules like positive law, but the existence of these legal fatwas is needed as a Sharia guide for bank products. The urgency of fatwa in the Sharia banking industry in Indonesia is to equalize views on the use of contracts in bank products. Without a fatwa, of course, banks will not have guidelines for servicing their products, thereby allowing for differences in the application of contracts for the same product. To avoid these differences, a fatwa was created as a guideline for banking products. In this research, we will discuss the facts about the differences in the application of Sharia contracts to gold savings at Sharia banks in Indonesia, especially Bank BSI and BTN Syariah. This research article uses a descriptive normative method; with this method the researcher can analyze how the gold savings contract is implemented at the two Sharia banks. The benefits of the research, theoretically, the discussion in this article is expected to enrich knowledge about savings contracts in sharia banking, and practically, this article informs the practice of implementing contracts for gold savings in Sharia Banks in Indonesia according to Islamic jurisprudence law and DSN MUI fatwa.
MUI DSN Fatwa, Gold Savings Agreement, Sharia Bank.