Funds Collecting Products and Risk Management with Wadiah Agreements in Shariah Financial Institutions
Produk Penghimpun Dana dan Manajemen Risiko dengan Akad Wadiah dalam Lembaga Keuangan Syariah
Keywords:
sharia financial institutions, savings, wadiah contractsAbstract
Sharia Financial Institutions (LKS) play a very important role in providing financial services whose guidelines are in accordance with Sharia principles, one of which is savings products. One of the contracts used in savings products at LKS is the Wadiah contract. This article aims to understand more deeply about savings products with Wadiah contracts and how risk management is applied in this context. Savings products with a Wadiah contract are savings where LKS acts as a trustee who is obliged to safeguard and return the savings according to the customer's request. In this scheme, customers do not get benefits in the form of interest, but LKS can provide bonuses that are voluntary and not promised at the start. This is in accordance with Sharia principles which prohibit usury (interest). Risk management with the Wadiah contract at LKS covers several aspects, namely operational risk, liquidity risk and compliance risk. By implementing effective risk management, LKS can maintain customer trust and business continuity. A deep understanding of Wadiah contracts and appropriate risk management is very important to improve service quality and financial stability in LKS.
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