This study aims to examine and analyze the contracts used in demand deposit (giro) products at Bank Syariah Indonesia (BSI) from the perspective of Islamic jurisprudence (fiqh al-mu'amalat). The background of this research lies in the necessity for sharia banking products to conform to Islamic principles in order to avoid elements of usury (riba), uncertainty (gharar), and other unjust practices. The research uses a qualitative method with a descriptive-analytical approach, based on literature review of fatwas from the National Sharia Council (DSN-MUI), Islamic banking regulations, and both classical and contemporary fiqh sources. The findings show that the contracts applied in giro products at BSI are wadi’ah yad dhamanah and, in certain cases, qardh, depending on the type of service and bank policy. In conclusion, the use of these contracts is generally in line with the principles of Islamic jurisprudence, although continuous supervision is necessary to ensure their proper implementation according to sharia guidelines.
Sri patmawati (Tue,) studied this question.