Produk Tabungan Berkah Tama iB yang Menggunakan Akad Wadi’ah Yad Dhamanah dengan Mudharabah Muthlaqah pada Bank Mega Syariah Cabang Yogyakarta

This study aims to find out the mechanisms, advantages and disadvantages,
as well as the factors that affect Tabungan Berkah Tama iB in Islamic Mega Bank
Yogyakarta Branch. In this study, using documentation data collection techniques,
literature study, and interview. The analytical method used is qualitative research.
The results of the study are as follows: 1) the mechanism for Tabungan
Berkah Tama iB product which has the agreement wadi'ah yad dhamanah and
mudharabah muthlaqah includes general provisions, opening accounts, deposits,
and withdrawals, and closing accounts. There is a difference in the mechanism
between the two, namely the administrative costs. 2) the advantage that you get
from Tabungan Berkah Tama with wadi'ah yad dhamanah and mudharabah
muthlaqah is that the funds will be guaranteed safe by the Deposit Insurance
Corporation. Meanwhile, the difference is that savings with wadi'ah yad dhamanah
do not get bonuses and savings with mudharabah muthlaqah agreements get
competitive profit sharing. 3) the product of Tabungan Berkah Tama iB with the
mudharabah mutlaqah effect is more desirable than the wadi'ah yad dhamanah
savings product due to the factors that the savings product has a mudharabah
mutlaqah effect which is more profitable for customers.