Wadiah Contracts on Gold Savings in Pawnshop Viewed From Sharia Economic Law Glasses (Study at Pawnshop Branch Purbalingga)

Abstract

Abstract: provide services to the community related to activities In the economy there are non-bank financial institutions, namely pawnshops. One of the product at the pawn shop is a product that uses gold savings deposit contract system (wadi'ah) agreed between the pawnshop and the account owner where is the location of the wadi'ah contract when the customer deposits a certain amount of money then immediately converted to grams of gold on the same day. Customer must follow the procedures at the pawnshop to open an account where in the account there are records containing data on sales, purchases, printing and other transactions by account holders and pawnshops.
The type of research in this research is field research. namely research conducted in a particular community environment, institution or certain organizations and institutions. Data collection technique in this study through interviews, observations and other reports. While the data were analyzed using qualitative analysis using the method normative approach. The normative approach itself is one of the fruits paradigm that must be put forward by legal products or in other words legal approach which is a norm or rule compiled through framework of the text or low in the book as a rule of law.
The results of this study indicate that the application of the wadi'ah contract on the product This gold savings is in accordance with Islamic law. Can be seen from practice customers who deposit a certain amount of money to the pawnshop which then becomes money instantly converted to grams of gold on the same day. While related The contract used in the gold savings product is a savings contract (wadi'ah). Where Pegadaian Purbalingga has not explained in detail details of the contract used and does not describe the objects provided in the product gold savings. so if you look at it from a procedural system it's pretty good but there is a need for education related to the contract system and other support systems so that customers can find out gold savings products in detail.
Keywords: Wadiah, Gold Savings, Pawnshops