The Practice Of Giving Bonus To Wadi ’ ah Current Accounts At Bank Sharia In Palangka Raya From A Sharia Economic Perspective

The wadi'ah yad dhamanah contract that is applied to current accounts at the Palangka Raya Branch of Bank Syariah Mandiri, is basically a wadi'ah contract, which theoretically does not allow the recipient of the deposit (bank) to declare the previous reward or benefit to the wadi'ah account holder (customer). BSM Palangka Raya Branch provides benefits in the form of bonus every month to current accounts as previously stated on the BSM website, namely "monthly bonus given in accordance with BSM policies". Bonus are given based on BSM policies. Second, the statement of giving bonus through the BSM website is a form of promotion can be justified, it's just that if bonus are part of the requirements that can lead to the practice of hidden usury and will become the norm because it is continuously being done, then giving this bonus can be a mistake which should be reviewed by BSM.


INTRODUCTION
The conception of Islamic economics refers to sharia which is the rule of the Islamic religion, because every human action including economic and development policies, as well as community economic activities must be bound by sharia law. The development of Islamic banking is basically an integral part of the development of the Islamic economy. (Fitria, 2016: 39). Sharia banks are financial institutions that function to smoothen the economic mechanism in the real sector through investing or buying and selling activities, as well as providing savings / banking services for customers based on sharia principles. (Arifin, 2006: 2-3).
Islamic banks have their own techniques in collecting public funds, among which conventional bank products can be included, one of which is demand deposits. (Kasmir, 2002 : 76-77). In practice, the majority of current accounts in Islamic banking use contracts wadi'ah, because they are cheap funds, and banks do not promise profits. In addition, Islamic banks use these products because they have the appeal of checks as a means of payment, customers use current acounts wadi'ah in general because of their features that can be taken at any time, and this is their bargaining power and the market still needs them (Darsono & Antonio, 2017: 89-90).
A wadi'ah contract is a pure deposit from one party to another, both individuals and legal entities that must be maintained and returned whenever the depositor wants (Hasan, 2014: 204). The pattern of contracts wadi'ah that is most widely applied is wadi'ah yad dhamanah, as well as those applied to syariah bank checking accounts because with this pattern, it makes it possible for Islamic banks to utilize the funds raised for productive activities. So that the pattern applied to Islamic banking demand deposits is wadi'ah yad dhamanah. (Darsono & Antonio, 2017: 90).

Based on observations, the Palangka Raya branch of Bank Syariah
Mandiri has current accounts with the contract wadi'ah yad dhamanah.
In practice, customers act as depositors who give Bank Syariah Mandiri  (Widayatsari, 2013:7). Deposited products are not allowed in the form of promises about bonus in advance, either in writing or orally (Murdadi, 2015: 68).
Bank Syariah Mandiri Palangka Raya Branch provides rewards or benefits in the form of bonus every month to current account customers as previously stated on the website Bank Syariah Mandiri, namely "monthly bonus given in accordance with Bank Syariah Mandiri (A.S. Branch Operation & Service Manager, 18/06/20). As previously explained, the contract wadi'ah yad dhamanah that is applied to current accounts at the Palangka Raya Branch of Bank Syariah Mandiri, is basically a contract wadi'ah (deposit) which in theory the recipient of the deposit (bank) may not declare a reward or profit in initial either in writing or orally to the account holder wadi'ah (customer).
Based on this, the researcher sees that there is a need for a more detailed explanation regarding the practice of giving bonus at the Palangka Raya branch of the Syariah Mandiri Bank whether it is in accordance with an Islamic economic perspective. So that later the public will be clearer

LITERATURE REVIEW
Current accounts wadi'ah are public deposits which can be withdrawn at any time by means of checks, bilyet giro or other transfers.
Meanwhile, the deposit can be made in cash. Clearing and book-entry. This product is a pure deposit using a contract wadi'ah which the bank may use with the permission of the depositor. This product does not have a profit sharing agreement because the contract used is not a business cooperation but a deposit, however the bank will provide a bonus based on the bank's discretion. The bank provides statements of bank statements, transfers and other transactions every month (Darsono & Antonio, 2017 : 71). Bonus ('athaya) from the bank. In addition, this form of demand deposit is also a deposit and can be collected at any time (on call) (Hakim, 2011: 209 According to sharia economics and finance expert Suherman Rosyidi stated that urf ' or the prevalence prohibited by the MUI DSN in the prize fatwa aims to avoid changing one's intention from the intention to save or  Branch Palangka Raya, current accounts can deposit their funds and can In theory, a bonus is a gift given by banks to customers who save their funds in the bank in the form of savings or current accounts wadi'ah (Mubarok, Hasanudin, & Sanrego, 2013: 341). Prizes are gifts that are nonbinding in nature and aim to make customers loyal to Islamic Banks.
Sharia Financial Institutions give prizes to customers in order to attract the public to fundraising products in the form of promotional gifts and prizes for customer savings (Fatwa Dewan Syariah Nasional No.86/DSN-

MUIXII/2012 Tentang Hadiah Dalam Penghimpunan Dana Lembaga
Keuangan Syariah : 8). In theory, one form of promotion used to communicate and introduce products carried out by a company on its marketing targets is information conveyed via the internet, one of the websites (Napitupulu, 2016 : 180). This is also used by Bank Syariah given if the bank's income has decreased. Bonus are not set based on a certain percentage, and bonus are given based on Bank Syariah Mandiri policies. The bonus are given in the form of money that is added directly to each customer's account, apart from in the form of additional money, the bonus that are given also come in the form of prizes such as office equipment, and also through the promotion Giro Prima which is for customers who are active and have more account balances. from 100 million, you will get free transfer fees via RTGS for the current account.