Implementation of Wadiah Contract in Hajj Savings Management System at Bank Syariah Indonesia Belitang Sudirman Branch

This research is motivated by the numerous banks offering fundraising products, one of which is Bank Syariah Indonesia (BSI) Belitang Sudirman Branch, which offers the Indonesian Hajj Savings product. This product is crucial because many Muslims wish to perform the Hajj pilgrimage but are constrained by high costs. The role of Islamic banking is not merely to seek profit or serve as a worldly investment tool, but also as a means to draw closer to Allah SWT through contracts that align with Sharia principles. This study aims to determine the implementation of the wadiah contract applied in the Hajj savings management system at BSI Belitang Sudirman Branch and to ascertain whether the Hajj savings management at BSI complies with Islamic economic law principles. This research is a field study with a qualitative approach. The subjects of this research are employees of BSI Belitang Sudirman Branch and three Hajj savings customers. The data sources used are primary and secondary data. Data collection methods include interviews, observation, and documentation. The research findings indicate that, first, the implementation of the wadiah contract in Hajj savings management at BSI Belitang Sudirman Branch involves several steps. Prospective customers must meet requirements, such as bmitting their ID card (KTP) and Taxpayer Identification Number (NPWP) (if applicable), then filling out an account opening form via the BSI Mobile application with assistance from the bank. Once all data is entered and the contract is chosen, an ijab (offer) and qabul (acceptance) process takes place between the bank and the customer. In managing Hajj savings funds with the wadiah yad dhamanah contract, there is no profit sharing, as it is a deposit. Second, the management of these Hajj savings funds has been wellimplemented and adheres to Sharia principles, referring to the Qur’an, Hadith, and Fatwa DSN No. 02/DSN-MUI/IV/2000, which regulates savings with the wadiah yad dhamanah contract. Thus, the management of Hajj funds at BSI Belitang Sudirman Branch is in accordance with Islamic economic law.