How Is Deposit Law In Islam? Check The Provisions Here!

YOGYAKARTA Deposito is one of the money storage products provided by banks. This product is often used as an investment instrument because it can bring income from every tenor. So, what about the law of deposits in Islam?

As we know, how deposits work begins when customers entrust banks to store a certain amount of money in the form of deposits.

Later, banks and customers will make an agreement regarding the time period for depositing money and the distribution of proceeds that the bank will give to these customers.

Customers can choose a period of time or time deposit tenor starting from 1 month, 3, 6, 12, to 24 months. After maturity, customers can only withdraw deposits.

If the customer disburses before the maturity period, it will be subject to a penalty fee or a fine.

For the disbursement of the returns, it depends on the number of the two parties. It can be paid every month or accumulated and paid once when the deposit is due.

The deposit profits are often considered as usury, and in Islam, usury is not a halal asset. Is this assumption true? Come on, find out the answer in the review below.

Quoted from the NU Online page, in Fiqih's knowledge, deposits are referred to as Istishna', namely business investment contract. In the investment, there is a nishbah (part of the proceeds) from the yield ratio that must be given to shahibul maal (customers) by business actors, in this case, is mudlarib (banks). This ratio of Nishbah has been determined when customers store money in the form of deposits in the bank.

Akad seperti ini diperbolehkan lantaran besaran imbal hasilnya sudah ditepakatkan bersama ketika mendaftarkan deposito. Hal ini sesuai dengan penjelasan Imam Alauddin Abu Bakr Bin Mas'ud Al Kasani Al Hanafi dalam buku Badiusmen'I Volume 6 Hal 80-81, dia berkata:

You can't help it, you can't help it, you can't help it, you can't help it, you can't help it, you can't help it, you can't help it, you can't help it, you can't help it, you can't help it, you can't help it, you can't help it, you can't help it, you can't help it, you can't help it, you can't help it, you can't.

"If (the contract) is known, then we can say here if it is conveyed to the mudlarib one part of the profit that understands the profit, then the part of the result is the right while the rest belongs to the shahibul maal because it is the capital."

Are the returns obtained by customers from deposits including usury? This profit is not part of usury, because in addition to getting income, the purpose of customers to deposit their assets is in the context of trading.

Thus, deposits do not violate fiqh rules, as Syakh Muhammad Az Zuhaily's opinion in Qawaidul Fiqiyyah Wa Tathbiqutha Fii Madzahabil Arba'ah's book volume 1 thing. 404.

You can't help it, you can't help it, you can't help it, you can't help it, you can't help it, don't worry about it, don't worry about it, don't worry about it, don't worry about it, don't worry about it, don't worry about it.

"Basically, the contract depends on the intention and meaning, not on the lafadz and its shape".

That's information about the law of deposits in Islam. Get news updates of other options only on VOI.ID.