Implementasi Akad Wadi’ah pada Produk Bank Syariah Indonesia Tabungan Easy Wadi’ah di Bank Syariah Indonesia Kantor Cabang Binjai

Abstract

This study examines the implementation of Wadiah contracts in the Easy Wadiah savings product at Bank Syariah Indonesia, Binjai Branch, in the context of Islamic banks’ fund?raising activities amid increasing demand for simple and Sharia-compliant savings instruments. The research addresses two main questions: how the Easy Wadiah savings mechanism operates and how the Wadiah contract is applied in practice. Employing a qualitative descriptive approach, data were collected through observation, in-depth interviews, and document analysis. The findings indicate that Easy Wadiah is the most preferred savings product due to its operational simplicity and transactional convenience, and that its mechanism conforms to Sharia principles derived from the Qur’an and Hadith. The product is implemented using the Wadiah Yad Dhamanah contract, which allows the bank to utilize deposited funds while guaranteeing their return. Although Sharia theory suggests that any bonus should be voluntary and provided in the form of goods or services, in practice the bank credits the bonus directly to customers’ accounts. Overall, the study demonstrates that the Easy Wadiah product largely adheres to Sharia-compliant principles while exhibiting adaptive practices within contemporary Islamic banking operations.