Santri Savings: Implementation of the Wadī'ah Contract At Darul Falah Amtsilati Bangsri Jepara Islamic Boarding School

Abstract

Savings is one of the products of the wadī'ah contract as long-term storage, but it is different from “Santri Savings” as the application of savings at the Darul Falah Amtsilati Islamic Boarding School aims to be a short-term place for storing students' money to manage students' expenses. Depositing money as capital is collected, the pesantren manages savings as a development of the welfare and economy of the pesantren. This research is a field research that is descriptive analysis in nature with a normative juridical approach, the focus is on the wadī'ah contract and the DSN fatwa Number 02/DSN-MUI/IV/2000 concerning savings. Data collection techniques are observation, interviews and documentation. The implementation of the management of santri savings is in accordance with the principles of wadī'ah yad aḍ-ḍamānah and the DSN-MUI fatwa, but the implementation of the management of santri savings does not explain the ujrah and clauses in detail. The results of the utilization of container objects have differences in terms of fiqh and the Sharia Economic Law Compilation. From a fiqh perspective, the management of the centre’s savings is the right of the mustaudi and is handed over to the muwadi as the ratio, but Article 426 KHES explains that the management of the wadī'ah yad aḍ-ḍamānah contract is the overall right of the muwadi. The difference in results shows that the savings of the santri lead to a fiqh approach.