1. wadiah by slamet timbul

2. wadiah by slamet timbul

3. wadiah by slamet timbul
Outline . . .
Definition
Legal Basic
Kinds of Wadiah
wadiah by slamet timbul

4. wadiah by slamet timbul
Definision of Wadiah
Al-Wadi’ah is deposit (amanah).
Representing in certain property to others people to maintain in a certain way
Wadiah is safekeeping of a deposit. Such a deposit is hold in trust (Amanah). If the depositor pays for this favour, the depositary needs to replace it in case of lost. The usage of the deposit is subject to permission of the depositor.
wadiah by slamet timbul

5. wadiah by slamet timbul
Legal Basic
Al-Qur’an :
An-Nisa : 58
“Indeed, Allah commands you to render trusts to whom they are due and when you judge between people to judge with justice. Excellent is that which Allah instructs you. Indeed, Allah is ever Hearing and Seeing.”
wadiah by slamet timbul

6. wadiah by slamet timbul
Al-Baqarah : 283
The month of Ramadhan [is that] in which was revealed the Qur'an, a guidance for the people and clear proofs of guidance and criterion. So whoever sights [the new moon of] the month, let him fast it; and whoever is ill or on a journey - then an equal number of other days. Allah intends for you ease and does not intend for you hardship and [wants] for you to complete the period and to glorify Allah for that [to] which He has guided you; and perhaps you will be grateful.
wadiah by slamet timbul

7. wadiah by slamet timbul
Law and Dalil Wadiah
Hadist :
Nabi Saw said ”give the mandate “amanat” to the people who belive to you and donnot betray to the people who have betray you”
History by Abu Hurairah stated tha Rasulullah SAW said : “ perfom amanat (titipan) to the people who have right and do not countered  treason with treason
wadiah by slamet timbul

8. Element and the Requirement of Wadiah
Imam Abu Hanafi ijab and qabul
Sighat (akad),
a. agreed by both parties (Mudi’ and wadii’)
b. written front of the parties (Mudi’ and wadii)
Mudi’ and wadii should be
a. Baligh (adult)
b. Not crazy (Berakal)
c. there is no compulsion
In the mazhab Hanafi  adult (baligh) is not be requirement to enter into agreement (berakad), So immature can be enter into agreement if he have permission from his parent (wali)
wadiah by slamet timbul

9. wadiah by slamet timbul
Kinds of Wadiah
Bese on the characteristic, wadiah have 2 kinds :
Wadiah yad amanah
contract deposit box in which the recipient have not responsible for any damage and use the deposit.
Wadiah yad dhamanah
contract deposit box in which the recipient have responsible for any damage and use the deposit.
wadiah by slamet timbul

10. wadiah by slamet timbul
Schem Wadiah Yad Amanah
(depositor,
Muwaddi)
(conservator
Mustawda’)
Goods/money
Wadiah Yad al Amanah
Product of Wadiah yad Amanah, is not exist in banking.
if there any damage is no responsibility for conservator,
wadiah by slamet timbul

11. Wadiah yad dhamanah Bank customer (conservator) (depositor) Mustawda’
1. entrusted the money / goods
Bank
(conservator)
Mustawda’
customer
(depositor)
Mustawdi
4. Bonus
2. utilization
3.Profit shering
users of funds
wadiah by slamet timbul

12. Profit (bonus) in Wadiah ?
Scholars have diferent statment when taking the frofit (bonus):
Syafi’iyah, take profit (bonus) is not be allowed if there is no agreement before (in akad)
Hanafiyah and Malikiya  take profit (bonus) is allowed
wadiah by slamet timbul

13. Law to receive the goods in wadiah:
forbidden (Haram)
because the people who will be entrusted sure he will betrayed
Makruh
because people who have worries will be entrusted betrayed
Sunnah
because the people who will be entrusted sure he will mandate (amanah).
Obligatory (Wajib)
Receive a mandate (wadiah) can be required to arbitrate in the absence of an honest and decent person other than himself.
wadiah by slamet timbul

14. Application in LKS (Lembaga Keuangan Syariah) dan Fatwa DSN
Wadiah is often practiced and developed by Islamic banks is wadiah yad dhamanah (titipan dengan resiko ganti rugi).
Example:
giro, SWBI, Safe Deposit Box (SDB) and deposito. Deposito used mudharabah principle and the other is used wadiah.
Wadiah yad dhamanah also call Qardhul Hasan.
wadiah by slamet timbul

15. Aplication in LKS (Lembaga Keuangan Syariah) dan Fatwa DSN
Giro wadiah is run under akad of wadiah. Akad wadiah is pure deposit that can be taken at any time if the owner wants. Konsep of wadiah yad dhamanah have the same law is aplicated with qardh, where custemer is depositor and bank is those who lent.
Fatwa Dewan Syariah Nasional tentang Giro NO : 01/DSN-MUI/IV/2000
“Tabungan wadiah adalah tabungan yang dijalankan berdasarkan akad wadiah, yaitu titipan murni yang setiap saat dapat diambil jika pemiliknya menghendaki. Konsep yang dipakai adalah wadiah yad dhamanah. Dalam hal ini nasabah bertindak sebagai penititp yang memberikan hak kepada bank untuk menggunakan atau memanfaatkan uang atau barang titipan.”
wadiah by slamet timbul

16. wadiah by slamet timbul
conclusion
Wadiah is deposit (amanah)
wadiah by slamet timbul