{"id":263,"date":"2026-10-31T15:54:04","date_gmt":"2026-10-31T15:54:04","guid":{"rendered":"https:\/\/lenterahikmah.com\/?p=263"},"modified":"2026-10-31T15:54:04","modified_gmt":"2026-10-31T15:54:04","slug":"potensi-wakaf-uang-belum-maksimal-perbankan-syariah-didorong-berinovasi","status":"publish","type":"post","link":"https:\/\/lenterahikmah.com\/index.php\/2026\/10\/31\/potensi-wakaf-uang-belum-maksimal-perbankan-syariah-didorong-berinovasi\/","title":{"rendered":"Potensi Wakaf Uang Belum Maksimal, Perbankan Syariah Didorong Berinovasi"},"content":{"rendered":"<p class=\"x1ghz6dp x1717udv x1wty727 x1pd3egz x4gjf66 x1kw3rcc x104jwf5 x1lziwak x15472z4 x1qlqyl8 x15bjb6t x1lliihq x14rh7hd\" style=\"text-align: justify;\" data-d-component=\"text\"><em>Penelitian empat akademisi mengungkap sejumlah kelemahan pengelolaan wakaf uang oleh perbankan syariah di Indonesia dan menawarkan lima strategi pembenahan berbasis tujuan syariat Islam.<\/em><\/p>\n<p class=\"x1ghz6dp x1717udv x1wty727 x1pd3egz x4gjf66 x1kw3rcc x104jwf5 x1lziwak x15472z4 x1qlqyl8 x15bjb6t x1lliihq x14rh7hd\" style=\"text-align: justify;\" data-d-component=\"text\"><span class=\"xt0psk2 x1ghz6dp x1717udv x1wty727 x4gjf66 x15eiy0f x1lziwak x15472z4 x1qlqyl8 x15bjb6t x1s688f x14rh7hd xdj266r\" data-d-component=\"text\" data-d-inline=\"\"><strong>BOGOR<\/strong> <span data-d-streaming-word=\"\">&#8211;<\/span><\/span> <span data-d-streaming-word=\"\">Rendahnya<\/span> <span data-d-streaming-word=\"\">literasi<\/span> <span data-d-streaming-word=\"\">masyarakat,<\/span> <span data-d-streaming-word=\"\">lemahnya<\/span> <span data-d-streaming-word=\"\">transparansi,<\/span> <span data-d-streaming-word=\"\">dan<\/span> <span data-d-streaming-word=\"\">belum<\/span> <span data-d-streaming-word=\"\">optimalnya<\/span> <span data-d-streaming-word=\"\">koordinasi<\/span> <span data-d-streaming-word=\"\">antarlembaga<\/span> <span data-d-streaming-word=\"\">menjadi<\/span> <span data-d-streaming-word=\"\">sejumlah<\/span> <span data-d-streaming-word=\"\">kendala<\/span> <span data-d-streaming-word=\"\">pengembangan<\/span> <span data-d-streaming-word=\"\">wakaf<\/span> <span data-d-streaming-word=\"\">uang<\/span> <span data-d-streaming-word=\"\">melalui<\/span> <span data-d-streaming-word=\"\">perbankan<\/span> <span data-d-streaming-word=\"\">syariah<\/span> <span data-d-streaming-word=\"\">di<\/span> <span data-d-streaming-word=\"\">Indonesia.<\/span> <span data-d-streaming-word=\"\">Kondisi<\/span> <span data-d-streaming-word=\"\">tersebut<\/span> <span data-d-streaming-word=\"\">mendorong<\/span> <span data-d-streaming-word=\"\">perlunya<\/span> <span data-d-streaming-word=\"\">pembenahan<\/span> <span data-d-streaming-word=\"\">tata<\/span> <span data-d-streaming-word=\"\">kelola<\/span> <span data-d-streaming-word=\"\">dengan<\/span> <span data-d-streaming-word=\"\">pendekatan<\/span> <span class=\"xt0psk2 x1ghz6dp x1717udv x1wty727 x1pd3egz x4gjf66 x15eiy0f x1lziwak x15472z4 x1qlqyl8 x15bjb6t x14rh7hd x1k4tb9n xdj266r\" data-d-component=\"text\" data-d-inline=\"\"><span data-d-streaming-word=\"\">maqasid<\/span> <span data-d-streaming-word=\"\">al-shariah<\/span><\/span> <span data-d-streaming-word=\"\">atau<\/span> <span data-d-streaming-word=\"\">tujuan-tujuan<\/span> <span data-d-streaming-word=\"\">syariat<\/span> <span data-d-streaming-word=\"\">Islam<\/span> <span data-d-streaming-word=\"\">agar<\/span> <span data-d-streaming-word=\"\">pengelolaan<\/span> <span data-d-streaming-word=\"\">dana<\/span> <span data-d-streaming-word=\"\">wakaf<\/span> <span data-d-streaming-word=\"\">lebih<\/span> <span data-d-streaming-word=\"\">akuntabel,<\/span> <span data-d-streaming-word=\"\">inovatif,<\/span> <span data-d-streaming-word=\"\">dan<\/span> <span data-d-streaming-word=\"\">memberikan<\/span> <span data-d-streaming-word=\"\">manfaat<\/span> <span data-d-streaming-word=\"\">yang<\/span> <span data-d-streaming-word=\"\">luas<\/span> <span data-d-streaming-word=\"\">bagi<\/span> <span data-d-streaming-word=\"\">masyarakat.<\/span><\/p>\n<p class=\"x1ghz6dp x1717udv x1wty727 x1pd3egz x4gjf66 x1wwbdsi x86bw1a x1lziwak x15472z4 x1qlqyl8 x15bjb6t x1lliihq x14rh7hd\" style=\"text-align: justify;\" data-d-component=\"text\"><span data-d-streaming-word=\"\">Temuan<\/span> <span data-d-streaming-word=\"\">tersebut<\/span> <span data-d-streaming-word=\"\">diungkap<\/span> <span data-d-streaming-word=\"\">dalam<\/span> <span data-d-streaming-word=\"\">penelitian<\/span> <span data-d-streaming-word=\"\">Ahmad<\/span> <span data-d-streaming-word=\"\">Ridwan,<\/span> <span data-d-streaming-word=\"\">Jaih<\/span> <span data-d-streaming-word=\"\">Mubarok,<\/span> <span data-d-streaming-word=\"\">Ibdalsyah,<\/span> <span data-d-streaming-word=\"\">dan<\/span> <span data-d-streaming-word=\"\">Qurroh<\/span> <span data-d-streaming-word=\"\">Ayuniyyah<\/span> <span data-d-streaming-word=\"\">yang<\/span> <span data-d-streaming-word=\"\">mengkaji<\/span> <span data-d-streaming-word=\"\">peluang<\/span> <span data-d-streaming-word=\"\">serta<\/span> <span data-d-streaming-word=\"\">tantangan<\/span> <span data-d-streaming-word=\"\">pengelolaan<\/span> <span data-d-streaming-word=\"\">wakaf<\/span> <span data-d-streaming-word=\"\">uang<\/span> <span data-d-streaming-word=\"\">oleh<\/span> <span data-d-streaming-word=\"\">perbankan<\/span> <span data-d-streaming-word=\"\">syariah<\/span> <span data-d-streaming-word=\"\">di<\/span> <span data-d-streaming-word=\"\">Indonesia.<\/span> <span data-d-streaming-word=\"\">Penelitian<\/span> <span data-d-streaming-word=\"\">ini<\/span> <span data-d-streaming-word=\"\">menawarkan<\/span> <span data-d-streaming-word=\"\">model<\/span> <span data-d-streaming-word=\"\">rekonstruksi<\/span> <span data-d-streaming-word=\"\">kelembagaan<\/span> <span data-d-streaming-word=\"\">yang<\/span> <span data-d-streaming-word=\"\">menempatkan<\/span> <span data-d-streaming-word=\"\">tujuan<\/span> <span data-d-streaming-word=\"\">syariat<\/span> <span data-d-streaming-word=\"\">Islam<\/span> <span data-d-streaming-word=\"\">sebagai<\/span> <span data-d-streaming-word=\"\">landasan<\/span> <span data-d-streaming-word=\"\">utama<\/span> <span data-d-streaming-word=\"\">dalam<\/span> <span data-d-streaming-word=\"\">pengelolaan<\/span> <span data-d-streaming-word=\"\">dana<\/span> <span data-d-streaming-word=\"\">wakaf.<\/span><\/p>\n<p class=\"x1ghz6dp x1717udv x1wty727 x1pd3egz x4gjf66 x1wwbdsi x86bw1a x1lziwak x15472z4 x1qlqyl8 x15bjb6t x1lliihq x14rh7hd\" style=\"text-align: justify;\" data-d-component=\"text\"><span data-d-streaming-word=\"\">Dalam<\/span> <span data-d-streaming-word=\"\">penelitian<\/span> <span data-d-streaming-word=\"\">tersebut,<\/span> <span data-d-streaming-word=\"\">para<\/span> <span data-d-streaming-word=\"\">peneliti<\/span> <span data-d-streaming-word=\"\">menemukan<\/span> <span data-d-streaming-word=\"\">bahwa<\/span> <span data-d-streaming-word=\"\">program<\/span> <span data-d-streaming-word=\"\">wakaf<\/span> <span data-d-streaming-word=\"\">uang<\/span> <span data-d-streaming-word=\"\">yang<\/span> <span data-d-streaming-word=\"\">dikelola<\/span> <span data-d-streaming-word=\"\">perbankan<\/span> <span data-d-streaming-word=\"\">syariah<\/span> <span data-d-streaming-word=\"\">sebenarnya<\/span> <span data-d-streaming-word=\"\">telah<\/span> <span data-d-streaming-word=\"\">mencerminkan<\/span> <span data-d-streaming-word=\"\">sebagian<\/span> <span data-d-streaming-word=\"\">prinsip<\/span> <span class=\"xt0psk2 x1ghz6dp x1717udv x1wty727 x1pd3egz x4gjf66 x15eiy0f x1lziwak x15472z4 x1qlqyl8 x15bjb6t x14rh7hd x1k4tb9n xdj266r\" data-d-component=\"text\" data-d-inline=\"\"><span data-d-streaming-word=\"\">maqasid<\/span> <span data-d-streaming-word=\"\">al-shariah<\/span><\/span><span data-d-streaming-word=\"\">.<\/span> <span data-d-streaming-word=\"\">Namun,<\/span> <span data-d-streaming-word=\"\">penerapannya<\/span> <span data-d-streaming-word=\"\">belum<\/span> <span data-d-streaming-word=\"\">merata<\/span> <span data-d-streaming-word=\"\">pada<\/span> <span data-d-streaming-word=\"\">lima<\/span> <span data-d-streaming-word=\"\">dimensi<\/span> <span data-d-streaming-word=\"\">utama<\/span> <span data-d-streaming-word=\"\">tujuan<\/span> <span data-d-streaming-word=\"\">syariat<\/span> <span data-d-streaming-word=\"\">Islam.<\/span><\/p>\n<p class=\"x1ghz6dp x1717udv x1wty727 x1pd3egz x4gjf66 x1wwbdsi x86bw1a x1lziwak x15472z4 x1qlqyl8 x15bjb6t x1lliihq x14rh7hd\" style=\"text-align: justify;\" data-d-component=\"text\"><span data-d-streaming-word=\"\">Kesesuaian<\/span> <span data-d-streaming-word=\"\">paling<\/span> <span data-d-streaming-word=\"\">kuat<\/span> <span data-d-streaming-word=\"\">ditemukan<\/span> <span data-d-streaming-word=\"\">pada<\/span> <span data-d-streaming-word=\"\">aspek<\/span> <span class=\"xt0psk2 x1ghz6dp x1717udv x1wty727 x1pd3egz x4gjf66 x15eiy0f x1lziwak x15472z4 x1qlqyl8 x15bjb6t x14rh7hd x1k4tb9n xdj266r\" data-d-component=\"text\" data-d-inline=\"\"><span data-d-streaming-word=\"\">hifz<\/span> <span data-d-streaming-word=\"\">al-mal<\/span><\/span> <span data-d-streaming-word=\"\">atau<\/span> <span data-d-streaming-word=\"\">perlindungan<\/span> <span data-d-streaming-word=\"\">harta<\/span> <span data-d-streaming-word=\"\">serta<\/span> <span class=\"xt0psk2 x1ghz6dp x1717udv x1wty727 x1pd3egz x4gjf66 x15eiy0f x1lziwak x15472z4 x1qlqyl8 x15bjb6t x14rh7hd x1k4tb9n xdj266r\" data-d-component=\"text\" data-d-inline=\"\"><span data-d-streaming-word=\"\">hifz<\/span> <span data-d-streaming-word=\"\">al-din<\/span><\/span> <span data-d-streaming-word=\"\">atau<\/span> <span data-d-streaming-word=\"\">perlindungan<\/span> <span data-d-streaming-word=\"\">agama<\/span> <span data-d-streaming-word=\"\">dalam<\/span> <span data-d-streaming-word=\"\">aspek<\/span> <span data-d-streaming-word=\"\">prosedural.<\/span> <span data-d-streaming-word=\"\">Sebaliknya,<\/span> <span data-d-streaming-word=\"\">penerapan<\/span> <span data-d-streaming-word=\"\">prinsip<\/span> <span class=\"xt0psk2 x1ghz6dp x1717udv x1wty727 x1pd3egz x4gjf66 x15eiy0f x1lziwak x15472z4 x1qlqyl8 x15bjb6t x14rh7hd x1k4tb9n xdj266r\" data-d-component=\"text\" data-d-inline=\"\"><span data-d-streaming-word=\"\">hifz<\/span> <span data-d-streaming-word=\"\">al-nasl<\/span><\/span> <span data-d-streaming-word=\"\">atau<\/span> <span data-d-streaming-word=\"\">perlindungan<\/span> <span data-d-streaming-word=\"\">keturunan<\/span> <span data-d-streaming-word=\"\">masih<\/span> <span data-d-streaming-word=\"\">menjadi<\/span> <span data-d-streaming-word=\"\">aspek<\/span> <span data-d-streaming-word=\"\">yang<\/span> <span data-d-streaming-word=\"\">paling<\/span> <span data-d-streaming-word=\"\">lemah.<\/span><\/p>\n<p class=\"x1ghz6dp x1717udv x1wty727 x1pd3egz x4gjf66 x1wwbdsi x86bw1a x1lziwak x15472z4 x1qlqyl8 x15bjb6t x1lliihq x14rh7hd\" style=\"text-align: justify;\" data-d-component=\"text\"><span data-d-streaming-word=\"\">Kesenjangan<\/span> <span data-d-streaming-word=\"\">tersebut<\/span> <span data-d-streaming-word=\"\">menunjukkan<\/span> <span data-d-streaming-word=\"\">bahwa<\/span> <span data-d-streaming-word=\"\">pengelolaan<\/span> <span data-d-streaming-word=\"\">wakaf<\/span> <span data-d-streaming-word=\"\">uang<\/span> <span data-d-streaming-word=\"\">belum<\/span> <span data-d-streaming-word=\"\">sepenuhnya<\/span> <span data-d-streaming-word=\"\">diarahkan<\/span> <span data-d-streaming-word=\"\">pada<\/span> <span data-d-streaming-word=\"\">pencapaian<\/span> <span data-d-streaming-word=\"\">manfaat<\/span> <span data-d-streaming-word=\"\">sosial<\/span> <span data-d-streaming-word=\"\">yang<\/span> <span data-d-streaming-word=\"\">menyeluruh.<\/span> <span data-d-streaming-word=\"\">Selain<\/span> <span data-d-streaming-word=\"\">persoalan<\/span> <span data-d-streaming-word=\"\">pemahaman<\/span> <span data-d-streaming-word=\"\">masyarakat,<\/span> <span data-d-streaming-word=\"\">pengembangan<\/span> <span data-d-streaming-word=\"\">produk<\/span> <span data-d-streaming-word=\"\">wakaf<\/span> <span data-d-streaming-word=\"\">yang<\/span> <span data-d-streaming-word=\"\">masih<\/span> <span data-d-streaming-word=\"\">terbatas,<\/span> <span data-d-streaming-word=\"\">kurangnya<\/span> <span data-d-streaming-word=\"\">keterbukaan<\/span> <span data-d-streaming-word=\"\">informasi,<\/span> <span data-d-streaming-word=\"\">serta<\/span> <span data-d-streaming-word=\"\">kapasitas<\/span> <span data-d-streaming-word=\"\">pengelola<\/span> <span data-d-streaming-word=\"\">wakaf<\/span> <span data-d-streaming-word=\"\">atau<\/span> <span class=\"xt0psk2 x1ghz6dp x1717udv x1wty727 x1pd3egz x4gjf66 x15eiy0f x1lziwak x15472z4 x1qlqyl8 x15bjb6t x14rh7hd x1k4tb9n xdj266r\" data-d-component=\"text\" data-d-inline=\"\"><span data-d-streaming-word=\"\">nazhir<\/span><\/span> <span data-d-streaming-word=\"\">yang<\/span> <span data-d-streaming-word=\"\">belum<\/span> <span data-d-streaming-word=\"\">memadai<\/span> <span data-d-streaming-word=\"\">turut<\/span> <span data-d-streaming-word=\"\">menghambat<\/span> <span data-d-streaming-word=\"\">optimalisasi<\/span> <span data-d-streaming-word=\"\">potensi<\/span> <span data-d-streaming-word=\"\">dana<\/span> <span data-d-streaming-word=\"\">sosial<\/span> <span data-d-streaming-word=\"\">Islam.<\/span><\/p>\n<p class=\"x1ghz6dp x1717udv x1wty727 x1pd3egz x4gjf66 x1wwbdsi x86bw1a x1lziwak x15472z4 x1qlqyl8 x15bjb6t x1lliihq x14rh7hd\" style=\"text-align: justify;\" data-d-component=\"text\"><span data-d-streaming-word=\"\">Penelitian<\/span> <span data-d-streaming-word=\"\">yang<\/span> <span data-d-streaming-word=\"\">menggunakan<\/span> <span data-d-streaming-word=\"\">pendekatan<\/span> <span data-d-streaming-word=\"\">kualitatif<\/span> <span data-d-streaming-word=\"\">deskriptif<\/span> <span data-d-streaming-word=\"\">tersebut<\/span> <span data-d-streaming-word=\"\">dilaksanakan<\/span> <span data-d-streaming-word=\"\">pada<\/span> <span data-d-streaming-word=\"\">Januari<\/span> <span data-d-streaming-word=\"\">hingga<\/span> <span data-d-streaming-word=\"\">Maret<\/span> <span data-d-streaming-word=\"\">2026.<\/span> <span data-d-streaming-word=\"\">Pengumpulan<\/span> <span data-d-streaming-word=\"\">data<\/span> <span data-d-streaming-word=\"\">dilakukan<\/span> <span data-d-streaming-word=\"\">melalui<\/span> <span data-d-streaming-word=\"\">wawancara<\/span> <span data-d-streaming-word=\"\">semi-terstruktur<\/span> <span data-d-streaming-word=\"\">terhadap<\/span> <span data-d-streaming-word=\"\">sepuluh<\/span> <span data-d-streaming-word=\"\">informan<\/span> <span data-d-streaming-word=\"\">yang<\/span> <span data-d-streaming-word=\"\">berasal<\/span> <span data-d-streaming-word=\"\">dari<\/span> <span data-d-streaming-word=\"\">Badan<\/span> <span data-d-streaming-word=\"\">Wakaf<\/span> <span data-d-streaming-word=\"\">Indonesia<\/span> <span data-d-streaming-word=\"\">(BWI),<\/span> <span data-d-streaming-word=\"\">perbankan<\/span> <span data-d-streaming-word=\"\">syariah,<\/span> <span data-d-streaming-word=\"\">Otoritas<\/span> <span data-d-streaming-word=\"\">Jasa<\/span> <span data-d-streaming-word=\"\">Keuangan<\/span> <span data-d-streaming-word=\"\">(OJK),<\/span> <span data-d-streaming-word=\"\">Bank<\/span> <span data-d-streaming-word=\"\">Indonesia<\/span> <span data-d-streaming-word=\"\">(BI),<\/span> <span data-d-streaming-word=\"\">serta<\/span> <span data-d-streaming-word=\"\">kalangan<\/span> <span data-d-streaming-word=\"\">akademisi<\/span> <span data-d-streaming-word=\"\">ekonomi<\/span> <span data-d-streaming-word=\"\">syariah.<\/span><\/p>\n<p class=\"x1ghz6dp x1717udv x1wty727 x1pd3egz x4gjf66 x1wwbdsi x86bw1a x1lziwak x15472z4 x1qlqyl8 x15bjb6t x1lliihq x14rh7hd\" style=\"text-align: justify;\" data-d-component=\"text\"><span data-d-streaming-word=\"\">Data<\/span> <span data-d-streaming-word=\"\">penelitian<\/span> <span data-d-streaming-word=\"\">kemudian<\/span> <span data-d-streaming-word=\"\">dianalisis<\/span> <span data-d-streaming-word=\"\">menggunakan<\/span> <span data-d-streaming-word=\"\">perangkat<\/span> <span data-d-streaming-word=\"\">NVivo<\/span> <span data-d-streaming-word=\"\">12<\/span> <span data-d-streaming-word=\"\">dengan<\/span> <span data-d-streaming-word=\"\">melibatkan<\/span> <span data-d-streaming-word=\"\">dua<\/span> <span data-d-streaming-word=\"\">pengode<\/span> <span data-d-streaming-word=\"\">independen.<\/span> <span data-d-streaming-word=\"\">Peneliti<\/span> <span data-d-streaming-word=\"\">juga<\/span> <span data-d-streaming-word=\"\">menerapkan<\/span> <span data-d-streaming-word=\"\">triangulasi<\/span> <span data-d-streaming-word=\"\">sumber,<\/span> <span data-d-streaming-word=\"\">metode,<\/span> <span data-d-streaming-word=\"\">dan<\/span> <span data-d-streaming-word=\"\">pemeriksaan<\/span> <span data-d-streaming-word=\"\">kembali<\/span> <span data-d-streaming-word=\"\">kepada<\/span> <span data-d-streaming-word=\"\">informan<\/span> <span data-d-streaming-word=\"\">untuk<\/span> <span data-d-streaming-word=\"\">memperkuat<\/span> <span data-d-streaming-word=\"\">keandalan<\/span> <span data-d-streaming-word=\"\">temuan.<\/span><\/p>\n<p class=\"x1ghz6dp x1717udv x1wty727 x1pd3egz x4gjf66 x1wwbdsi x86bw1a x1lziwak x15472z4 x1qlqyl8 x15bjb6t x1lliihq x14rh7hd\" style=\"text-align: justify;\" data-d-component=\"text\"><span data-d-streaming-word=\"\">Berdasarkan<\/span> <span data-d-streaming-word=\"\">hasil<\/span> <span data-d-streaming-word=\"\">analisis,<\/span> <span data-d-streaming-word=\"\">para<\/span> <span data-d-streaming-word=\"\">peneliti<\/span> <span data-d-streaming-word=\"\">mengusulkan<\/span> <span data-d-streaming-word=\"\">lima<\/span> <span data-d-streaming-word=\"\">langkah<\/span> <span data-d-streaming-word=\"\">pembenahan<\/span> <span data-d-streaming-word=\"\">tata<\/span> <span data-d-streaming-word=\"\">kelola<\/span> <span data-d-streaming-word=\"\">wakaf<\/span> <span data-d-streaming-word=\"\">uang.<\/span> <span data-d-streaming-word=\"\">Langkah<\/span> <span data-d-streaming-word=\"\">tersebut<\/span> <span data-d-streaming-word=\"\">mencakup<\/span> <span data-d-streaming-word=\"\">penguatan<\/span> <span data-d-streaming-word=\"\">tata<\/span> <span data-d-streaming-word=\"\">kelola<\/span> <span data-d-streaming-word=\"\">berbasis<\/span> <span class=\"xt0psk2 x1ghz6dp x1717udv x1wty727 x1pd3egz x4gjf66 x15eiy0f x1lziwak x15472z4 x1qlqyl8 x15bjb6t x14rh7hd x1k4tb9n xdj266r\" data-d-component=\"text\" data-d-inline=\"\"><span data-d-streaming-word=\"\">maqasid<\/span> <span data-d-streaming-word=\"\">al-shariah<\/span><\/span><span data-d-streaming-word=\"\">,<\/span> <span data-d-streaming-word=\"\">pengembangan<\/span> <span data-d-streaming-word=\"\">produk<\/span> <span data-d-streaming-word=\"\">inovatif,<\/span> <span data-d-streaming-word=\"\">peningkatan<\/span> <span data-d-streaming-word=\"\">literasi<\/span> <span data-d-streaming-word=\"\">masyarakat,<\/span> <span data-d-streaming-word=\"\">transparansi<\/span> <span data-d-streaming-word=\"\">dan<\/span> <span data-d-streaming-word=\"\">akuntabilitas<\/span> <span data-d-streaming-word=\"\">pengelolaan,<\/span> <span data-d-streaming-word=\"\">serta<\/span> <span data-d-streaming-word=\"\">penguatan<\/span> <span data-d-streaming-word=\"\">koordinasi<\/span> <span data-d-streaming-word=\"\">berbagai<\/span> <span data-d-streaming-word=\"\">pemangku<\/span> <span data-d-streaming-word=\"\">kepentingan.<\/span><\/p>\n<p class=\"x1ghz6dp x1717udv x1wty727 x1pd3egz x4gjf66 x1wwbdsi x86bw1a x1lziwak x15472z4 x1qlqyl8 x15bjb6t x1lliihq x14rh7hd\" style=\"text-align: justify;\" data-d-component=\"text\"><span data-d-streaming-word=\"\">Kerangka<\/span> <span data-d-streaming-word=\"\">tersebut<\/span> <span data-d-streaming-word=\"\">juga<\/span> <span data-d-streaming-word=\"\">dilengkapi<\/span> <span data-d-streaming-word=\"\">indikator<\/span> <span data-d-streaming-word=\"\">khusus<\/span> <span data-d-streaming-word=\"\">untuk<\/span> <span data-d-streaming-word=\"\">mengukur<\/span> <span data-d-streaming-word=\"\">pencapaian<\/span> <span data-d-streaming-word=\"\">setiap<\/span> <span data-d-streaming-word=\"\">dimensi<\/span> <span data-d-streaming-word=\"\">tujuan<\/span> <span data-d-streaming-word=\"\">syariat.<\/span> <span data-d-streaming-word=\"\">Dengan<\/span> <span data-d-streaming-word=\"\">demikian,<\/span> <span data-d-streaming-word=\"\">keberhasilan<\/span> <span data-d-streaming-word=\"\">pengelolaan<\/span> <span data-d-streaming-word=\"\">wakaf<\/span> <span data-d-streaming-word=\"\">uang<\/span> <span data-d-streaming-word=\"\">tidak<\/span> <span data-d-streaming-word=\"\">hanya<\/span> <span data-d-streaming-word=\"\">dinilai<\/span> <span data-d-streaming-word=\"\">dari<\/span> <span data-d-streaming-word=\"\">prosedur<\/span> <span data-d-streaming-word=\"\">penghimpunan<\/span> <span data-d-streaming-word=\"\">dan<\/span> <span data-d-streaming-word=\"\">pengelolaan<\/span> <span data-d-streaming-word=\"\">dana,<\/span> <span data-d-streaming-word=\"\">tetapi<\/span> <span data-d-streaming-word=\"\">juga<\/span> <span data-d-streaming-word=\"\">dari<\/span> <span data-d-streaming-word=\"\">manfaat<\/span> <span data-d-streaming-word=\"\">yang<\/span> <span data-d-streaming-word=\"\">dihasilkan<\/span> <span data-d-streaming-word=\"\">bagi<\/span> <span data-d-streaming-word=\"\">masyarakat.<\/span><\/p>\n<p class=\"x1ghz6dp x1717udv x1wty727 x1pd3egz x4gjf66 x1wwbdsi x86bw1a x1lziwak x15472z4 x1qlqyl8 x15bjb6t x1lliihq x14rh7hd\" style=\"text-align: justify;\" data-d-component=\"text\"><span data-d-streaming-word=\"\">Para<\/span> <span data-d-streaming-word=\"\">peneliti<\/span> <span data-d-streaming-word=\"\">menilai<\/span> <span data-d-streaming-word=\"\">posisi<\/span> <span data-d-streaming-word=\"\">wakaf<\/span> <span data-d-streaming-word=\"\">uang<\/span> <span data-d-streaming-word=\"\">masih<\/span> <span data-d-streaming-word=\"\">belum<\/span> <span data-d-streaming-word=\"\">menjadi<\/span> <span data-d-streaming-word=\"\">bagian<\/span> <span data-d-streaming-word=\"\">strategis<\/span> <span data-d-streaming-word=\"\">dalam<\/span> <span data-d-streaming-word=\"\">pengembangan<\/span> <span data-d-streaming-word=\"\">bisnis<\/span> <span data-d-streaming-word=\"\">perbankan<\/span> <span data-d-streaming-word=\"\">syariah.<\/span> <span data-d-streaming-word=\"\">Karena<\/span> <span data-d-streaming-word=\"\">itu,<\/span> <span data-d-streaming-word=\"\">diperlukan<\/span> <span data-d-streaming-word=\"\">perubahan<\/span> <span data-d-streaming-word=\"\">pendekatan<\/span> <span data-d-streaming-word=\"\">kelembagaan<\/span> <span data-d-streaming-word=\"\">agar<\/span> <span data-d-streaming-word=\"\">wakaf<\/span> <span data-d-streaming-word=\"\">uang<\/span> <span data-d-streaming-word=\"\">tidak<\/span> <span data-d-streaming-word=\"\">sekadar<\/span> <span data-d-streaming-word=\"\">menjadi<\/span> <span data-d-streaming-word=\"\">program<\/span> <span data-d-streaming-word=\"\">tambahan,<\/span> <span data-d-streaming-word=\"\">melainkan<\/span> <span data-d-streaming-word=\"\">instrumen<\/span> <span data-d-streaming-word=\"\">keuangan<\/span> <span data-d-streaming-word=\"\">sosial<\/span> <span data-d-streaming-word=\"\">Islam<\/span> <span data-d-streaming-word=\"\">yang<\/span> <span data-d-streaming-word=\"\">terintegrasi<\/span> <span data-d-streaming-word=\"\">dengan<\/span> <span data-d-streaming-word=\"\">strategi<\/span> <span data-d-streaming-word=\"\">pengembangan<\/span> <span data-d-streaming-word=\"\">perbankan<\/span> <span data-d-streaming-word=\"\">syariah.<\/span><\/p>\n<p class=\"x1ghz6dp x1717udv x1wty727 x1pd3egz x4gjf66 x1wwbdsi x86bw1a x1lziwak x15472z4 x1qlqyl8 x15bjb6t x1lliihq x14rh7hd\" style=\"text-align: justify;\" data-d-component=\"text\"><span data-d-streaming-word=\"\">Meski<\/span> <span data-d-streaming-word=\"\">demikian,<\/span> <span data-d-streaming-word=\"\">penelitian<\/span> <span data-d-streaming-word=\"\">ini<\/span> <span data-d-streaming-word=\"\">memiliki<\/span> <span data-d-streaming-word=\"\">keterbatasan<\/span> <span data-d-streaming-word=\"\">karena<\/span> <span data-d-streaming-word=\"\">hanya<\/span> <span data-d-streaming-word=\"\">berfokus<\/span> <span data-d-streaming-word=\"\">pada<\/span> <span data-d-streaming-word=\"\">sektor<\/span> <span data-d-streaming-word=\"\">perbankan<\/span> <span data-d-streaming-word=\"\">syariah<\/span> <span data-d-streaming-word=\"\">di<\/span> <span data-d-streaming-word=\"\">Indonesia.<\/span> <span data-d-streaming-word=\"\">Model<\/span> <span data-d-streaming-word=\"\">yang<\/span> <span data-d-streaming-word=\"\">diusulkan<\/span> <span data-d-streaming-word=\"\">masih<\/span> <span data-d-streaming-word=\"\">memerlukan<\/span> <span data-d-streaming-word=\"\">pengujian<\/span> <span data-d-streaming-word=\"\">dalam<\/span> <span data-d-streaming-word=\"\">jangka<\/span> <span data-d-streaming-word=\"\">panjang<\/span> <span data-d-streaming-word=\"\">serta<\/span> <span data-d-streaming-word=\"\">penyesuaian<\/span> <span data-d-streaming-word=\"\">apabila<\/span> <span data-d-streaming-word=\"\">diterapkan<\/span> <span data-d-streaming-word=\"\">pada<\/span> <span data-d-streaming-word=\"\">pengelola<\/span> <span data-d-streaming-word=\"\">wakaf<\/span> <span data-d-streaming-word=\"\">nonbank<\/span> <span data-d-streaming-word=\"\">dan<\/span> <span data-d-streaming-word=\"\">negara-negara<\/span> <span data-d-streaming-word=\"\">mayoritas<\/span> <span data-d-streaming-word=\"\">Muslim<\/span> <span data-d-streaming-word=\"\">lainnya.<\/span><\/p>\n<p class=\"x1ghz6dp x1717udv x1wty727 x1pd3egz x4gjf66 x1wwbdsi x86bw1a x1lziwak x15472z4 x1qlqyl8 x15bjb6t x1lliihq x14rh7hd\" style=\"text-align: justify;\" data-d-component=\"text\"><span data-d-streaming-word=\"\">Hasil<\/span> <span data-d-streaming-word=\"\">penelitian<\/span> <span data-d-streaming-word=\"\">yang<\/span> <span data-d-streaming-word=\"\">berjudul<\/span> <span class=\"xt0psk2 x1ghz6dp x1717udv x1wty727 x1pd3egz x4gjf66 x15eiy0f x1lziwak x15472z4 x1qlqyl8 x15bjb6t x14rh7hd x1k4tb9n xdj266r\" data-d-component=\"text\" data-d-inline=\"\"><span data-d-streaming-word=\"\">Maqasid<\/span> <span data-d-streaming-word=\"\">al-Shariah<\/span> <span data-d-streaming-word=\"\">Based<\/span> <span data-d-streaming-word=\"\">Reconstruction<\/span> <span data-d-streaming-word=\"\">of<\/span> <span data-d-streaming-word=\"\">Cash<\/span> <span data-d-streaming-word=\"\">Waqf<\/span> <span data-d-streaming-word=\"\">Governance<\/span> <span data-d-streaming-word=\"\">by<\/span> <span data-d-streaming-word=\"\">Islamic<\/span> <span data-d-streaming-word=\"\">Banks<\/span> <span data-d-streaming-word=\"\">in<\/span> <span data-d-streaming-word=\"\">Indonesia<\/span><\/span> <span data-d-streaming-word=\"\">tersebut<\/span> <span data-d-streaming-word=\"\">dipublikasikan<\/span> <span data-d-streaming-word=\"\">melalui<\/span> <span data-d-streaming-word=\"\">artikel<\/span> <span data-d-streaming-word=\"\">ilmiah<\/span> <span data-d-streaming-word=\"\">dengan<\/span> <span data-d-streaming-word=\"\">DOI<\/span> <span data-d-streaming-word=\"\">10.21580\/jiafr.2026.8.2.32249.<\/span><\/p>\n<p class=\"x1ghz6dp x1717udv x1wty727 x1pd3egz x4gjf66 x1wwbdsi x86bw1a x1lziwak x15472z4 x1qlqyl8 x15bjb6t x1lliihq x14rh7hd\" style=\"text-align: justify;\" data-d-component=\"text\"><span data-d-streaming-word=\"\">Penguatan<\/span> <span data-d-streaming-word=\"\">tata<\/span> <span data-d-streaming-word=\"\">kelola,<\/span> <span data-d-streaming-word=\"\">transparansi,<\/span> <span data-d-streaming-word=\"\">dan<\/span> <span data-d-streaming-word=\"\">inovasi<\/span> <span data-d-streaming-word=\"\">produk<\/span> <span data-d-streaming-word=\"\">diharapkan<\/span> <span data-d-streaming-word=\"\">dapat<\/span> <span data-d-streaming-word=\"\">meningkatkan<\/span> <span data-d-streaming-word=\"\">kepercayaan<\/span> <span data-d-streaming-word=\"\">masyarakat<\/span> <span data-d-streaming-word=\"\">terhadap<\/span> <span data-d-streaming-word=\"\">wakaf<\/span> <span data-d-streaming-word=\"\">uang.<\/span> <span data-d-streaming-word=\"\">Dengan<\/span> <span data-d-streaming-word=\"\">pembenahan<\/span> <span data-d-streaming-word=\"\">tersebut,<\/span> <span data-d-streaming-word=\"\">perbankan<\/span> <span data-d-streaming-word=\"\">syariah<\/span> <span data-d-streaming-word=\"\">berpeluang<\/span> <span data-d-streaming-word=\"\">memperluas<\/span> <span data-d-streaming-word=\"\">kontribusinya<\/span> <span data-d-streaming-word=\"\">dalam<\/span> <span data-d-streaming-word=\"\">mengembangkan<\/span> <span data-d-streaming-word=\"\">keuangan<\/span> <span data-d-streaming-word=\"\">sosial<\/span> <span data-d-streaming-word=\"\">Islam<\/span> <span data-d-streaming-word=\"\">sekaligus<\/span> <span data-d-streaming-word=\"\">mendorong<\/span> <span data-d-streaming-word=\"\">pemerataan<\/span> <span data-d-streaming-word=\"\">manfaat<\/span> <span data-d-streaming-word=\"\">ekonomi<\/span> <span data-d-streaming-word=\"\">bagi<\/span> <span data-d-streaming-word=\"\">masyarakat.<\/span> <span data-d-streaming-word=\"\">[]<\/span><\/p>\n<p style=\"text-align: justify;\" data-d-component=\"text\">Redaksi 01<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Penelitian empat akademisi mengungkap sejumlah kelemahan pengelolaan wakaf uang oleh perbankan syariah di Indonesia dan menawarkan lima strategi<\/p>\n","protected":false},"author":2,"featured_media":264,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[21],"tags":[746,743,126,738,739,736,188,748,744,747,735,741,734,740,192,737,745,189,749,733,742,750,732,731],"class_list":["post-263","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi-islam","tag-ahmad-ridwan","tag-akuntabilitas-wakaf","tag-badan-wakaf-indonesia","tag-bank-indonesia","tag-bi","tag-bwi","tag-ekonomi-syariah","tag-ibdalsyah","tag-inovasi-produk-wakaf","tag-jaih-mubarok","tag-keuangan-sosial-islam","tag-literasi-wakaf","tag-maqasid-al-shariah","tag-nazhir","tag-ojk","tag-otoritas-jasa-keuangan","tag-pengembangan-ekonomi-islam","tag-perbankan-syariah-indonesia","tag-qurroh-ayuniyyah","tag-tata-kelola-wakaf","tag-transparansi-wakaf","tag-universitas-ibn-khaldun-bogor","tag-wakaf-tunai","tag-wakaf-uang"],"featured_image_urls":{"full":["https:\/\/lenterahikmah.com\/wp-content\/uploads\/2026\/10\/Potensi-Wakaf-Uang-Belum-Maksimal-Perbankan-Syariah-Didorong-Berinovasi.jpg",768,1024,false],"thumbnail":["https:\/\/lenterahikmah.com\/wp-content\/uploads\/2026\/10\/Potensi-Wakaf-Uang-Belum-Maksimal-Perbankan-Syariah-Didorong-Berinovasi-150x150.jpg",150,150,true],"medium":["https:\/\/lenterahikmah.com\/wp-content\/uploads\/2026\/10\/Potensi-Wakaf-Uang-Belum-Maksimal-Perbankan-Syariah-Didorong-Berinovasi-225x300.jpg",225,300,true],"medium_large":["https:\/\/lenterahikmah.com\/wp-content\/uploads\/2026\/10\/Potensi-Wakaf-Uang-Belum-Maksimal-Perbankan-Syariah-Didorong-Berinovasi.jpg",640,853,false],"large":["https:\/\/lenterahikmah.com\/wp-content\/uploads\/2026\/10\/Potensi-Wakaf-Uang-Belum-Maksimal-Perbankan-Syariah-Didorong-Berinovasi.jpg",640,853,false],"1536x1536":["https:\/\/lenterahikmah.com\/wp-content\/uploads\/2026\/10\/Potensi-Wakaf-Uang-Belum-Maksimal-Perbankan-Syariah-Didorong-Berinovasi.jpg",768,1024,false],"2048x2048":["https:\/\/lenterahikmah.com\/wp-content\/uploads\/2026\/10\/Potensi-Wakaf-Uang-Belum-Maksimal-Perbankan-Syariah-Didorong-Berinovasi.jpg",768,1024,false],"reviewnews-large":["https:\/\/lenterahikmah.com\/wp-content\/uploads\/2026\/10\/Potensi-Wakaf-Uang-Belum-Maksimal-Perbankan-Syariah-Didorong-Berinovasi-768x575.jpg",768,575,true],"reviewnews-medium":["https:\/\/lenterahikmah.com\/wp-content\/uploads\/2026\/10\/Potensi-Wakaf-Uang-Belum-Maksimal-Perbankan-Syariah-Didorong-Berinovasi-590x410.jpg",590,410,true]},"author_info":{"info":["Alfian Bakri"]},"category_info":"<a href=\"https:\/\/lenterahikmah.com\/index.php\/category\/kabar\/ekonomi-islam\/\" rel=\"category tag\">Ekonomi Islam<\/a>","tag_info":"Ekonomi Islam","comment_count":"0","_links":{"self":[{"href":"https:\/\/lenterahikmah.com\/index.php\/wp-json\/wp\/v2\/posts\/263","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lenterahikmah.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/lenterahikmah.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/lenterahikmah.com\/index.php\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/lenterahikmah.com\/index.php\/wp-json\/wp\/v2\/comments?post=263"}],"version-history":[{"count":1,"href":"https:\/\/lenterahikmah.com\/index.php\/wp-json\/wp\/v2\/posts\/263\/revisions"}],"predecessor-version":[{"id":265,"href":"https:\/\/lenterahikmah.com\/index.php\/wp-json\/wp\/v2\/posts\/263\/revisions\/265"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/lenterahikmah.com\/index.php\/wp-json\/wp\/v2\/media\/264"}],"wp:attachment":[{"href":"https:\/\/lenterahikmah.com\/index.php\/wp-json\/wp\/v2\/media?parent=263"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lenterahikmah.com\/index.php\/wp-json\/wp\/v2\/categories?post=263"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/lenterahikmah.com\/index.php\/wp-json\/wp\/v2\/tags?post=263"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}