Cash Waqf Linked Deposit; Sebuah Alternatif Pendanaan Pendidikan Tinggi
Article Sidebar
Main Article Content
Abstract
This research analyzes the potential of the IPB-BSI-01 Series Cash Waqf Linked Deposit (CWLD) in collecting waqf funds for education. Using a qualitative descriptive approach with interview techniques and documentation studies, it was found that the CWLD Series IPB-BSI-01 succeeded in attracting public interest, collecting more than IDR 19.5 billion in waqf funds. However, this number has only reached 19% of the national target of IDR 100 billion, indicating that there are still large opportunities for improvement. The success of the IPB-BSI-01 Series CWLD is due to the ease of access and flexibility of waqf, transparency and accountability in fund management, as well as the clear benefits of educational scholarships for recipients. Challenges faced include a lack of socialization and literacy of CWLD products in the community, as well as the gap between national targets and current funding. The research conclusion shows that the CWLD IPB-BSI-01 Series has great potential as an important instrument in collecting education waqf funds in Indonesia. Constructive steps that need to be taken include intensive outreach, optimizing technology, diversifying fundraising strategies, strengthening transparency and accountability, as well as developing innovative products and services. With the collaboration of various parties, including the government, educational institutions, the private sector and the wider community, the IPB-BSI-01 Series CWLD program can achieve national targets and provide a significant positive impact on the future of education in Indonesia.
Article Details
This work is licensed under a Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International License.
References
Ab Shatar, Wan Nuraihan, Jalal Rajeh Hanaysha, and Putri Rozita Tahir. “Determinants of Cash Waqf Fund Collection in Malaysian Islamic Banking Institutions: Empirical Insights from Employees’ Perspectives.” ISRA International Journal of Islamic Finance 13, no. 2 (2021): 177–93. https://doi.org/10.1108/IJIF-06-2020-0126.
Aziz, Muhammad. “Peran Badan Wakaf Indonesia (BWI) Dalam Mengembangkan Prospek Wakaf Uang Di Indonesia.” JES (Jurnal Ekonomi Syariah) 2, no. 1 (2017): 35–54. https://doi.org/10.30736/jesa.v2i1.14.
BWI. “Cash Waqf Linked Deposit (CWLD) Diluncurkan.” Badan Waqaf Indonesia, 2023.
Cahyono, Yoyok, Dwi Purwoko, Intan Rachmina Koho, Asri Setiani, Supendi, Paulus Israwan Setyoko, Mulia Sosiady, and Hadion Wijoyo. “The Role of Supply Chain Management Practices on Competitive Advantage and Performance of Halal Agroindustry SMEs.” Uncertain Supply Chain Management 11, no. 1 (2023): 153–60. https://doi.org/10.5267/j.uscm.2022.10.012.
Fad, Mohammad Farid. “Wakaf Linked Sukuk Dalam Perspektif Maqashid Syari’ah.” Journal of Islamic Studies and Humanities 6, no. 1 (2021): 44–62. https://doi.org/10.21580/jish.v6i1.8150.
Fahruroji. WAKAF KONTEMPORER. 2019th ed. Jakarta: Badan Wakaf Indonesia, n.d.
Gustani; Ernawan, Dwi Aditya. “Wakaf Tunai Sebagai Sumber Alternatif Permodalan Lembaga Keuangan Mikro Syariah Di Indonesia.” Journal of Islamic Economics Lariba 2, no. 2 (2016): 39–48. https://doi.org/10.20885/jielariba.vol2.iss2.art2.
Hastuti, Qurratul ‘Aini Wara. “Peran Lembaga Keuangan Syariah Penerima Wakaf Uang (Lks-Pwu) Bagi Optimalisasi Wakaf Uang.” ZISWAF : Jurnal Zakat Dan Wakaf 4, no. 1 (2018): 41. https://doi.org/10.21043/ziswaf.v4i1.3030.
Ilham. “Persepsi Masyarakat Kota Palopo Mengenai Wakaf Tunai.” Jurnal Muammalah 4, no. 2 (2018): 69–82.
Indonesia, Badan Wakaf. “BWI Sebut Perlu Akselerasi Wakaf Uang Agar Potensinya Terserap Maksimal,” 2024. https://www.bwi.go.id/9336/2024/02/25/bwi-sebut-perlu-akselerasi-wakaf-uang-agar-potensinya-terserap-maksimal/.
———. “Cash Waqf Linked Deposit (CWLD) Diluncurkan,” 2023. https://www.bwi.go.id/9160/2023/11/27/cash-waqf-linked-deposit-cwld-diluncurkan/.
———. “Memperkuat Literasi Wakaf,” 2022. https://www.bwi.go.id/7934/2022/04/14/memperkuat-literasi-wakaf/.
Jurnal, Amandemen, Hukum Indonesia, No April, Universitas Pembangunan, Nasional Veteran, and Jakarta Upnvj. “Peluang Dan Tantangan Manfaat Cash Waqf Linked Deposit Pada Sektor Hijau Dalam Hukum Lingkungan Indonesia Muhamad Afifullah Atau Pembangunan Berkelanjutan Saat Itu Dihadiri Oleh Jusuf Kalla Selaku Wakil Presiden Perserikatan Bangsa Bangsa . 1 Tujuan Diadakan Kerjasama Ini Tentu Guna Mereduksi” 1, no. 2 (2024).
Musari, K. Ekonomi Syariah Menuju Arus Utama Perekonomian Nasional. Jakad Media Publishing, n.d. https://doi.org/10.14421/ajis.2023.611.59-79.
Nasar, Fuad. “Wakaf, Sebuah Teks Yang Hidup,” 2021. https://kemenag.go.id/opini/wakaf-sebuah-teks-yang-hidup-wqyf9w.
Nuha, W U. “Kewenangan Badan Wakaf Indonesia (BWI) Dalam Pengelolaan Cash Waqf Linked Sukuk (CWLS) Perspektif Undang-Undang Nomor 41 Tahun 2004 Tentang Wakaf,” 2022.
Putri, Magfirah Maulidia, Hendri Tanjung, and Hilman Hakiem. “Strategi Implementasi Pengelolaan Cash Waqf Linked Sukuk Dalam Mendukung Pembangunan Ekonomi Umat : Pendekatan Analytic Network Process (Anp).” Al-Infaq: Jurnal Ekonomi Islam 11, no. 2 (2020): 204. https://doi.org/10.32507/ajei.v11i2.836.
Rohman, Bahrul. “Analisis Strategi Pendayagunaan Aset Wakaf Pada Persyarikatan Muhammadiyah.” Jurnal Ilmiah Ekonomi Islam 9, no. 3 (2023): 3556. https://doi.org/10.29040/jiei.v9i3.10442.
Sami, Al Salahat. “Waqf The Next Best Thing in Finance,” 2017. https://linkedin.com/pulse/waqf-next-best-thing-finance-dr-sami-al-salahat.
Saptono, Imam T. “Pengembangan Instrumen Wakaf Berbasis Invesfile:///C:/Users/ASUS/Downloads/452-Article Text-1726-1-10-20191105.Pdftasi Sosial Studi Wakaf Linkeded Sukuk.” Al-Awqaf: Jurnal Wakaf Dan Ekonomi Islam 11, no. 2 (2018): 117–28.
Sya’bani, Akmaludin. “WAKAF UANG (CASH WAQF, WAQF AN-NUQUD); TELAAH TEOLOGIS HINGGA PRAKTIS.” E Journal Kopertais 4 IX (2016).
Wakaf, Dirjen Pemberdayaan Zakat Dan. Dinamika Perwakafan Di Indonesia Dan Berbagai Belahan Dunia. 1st ed. Jakarta: Kementrian Agama RI, 2017.