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573\margb120
\pard\li520\ri0\sl-173\slmult0 \fs18\cf1\f0\charscalex100\b {Syafrudin Arif:}\b0
{ }\fs18\cf1\f0\charscalex100\i {Wakaf Tunai\uc1\u8230X}\i0 \par\pard\li1146\ri
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calex100 {Selain menjaring wakaf uang, LKS juga dapat berperan sebagai mitra dal
am }\par\pard\li520\ri0\sl-266\slmult0 \fs20\cf1\f0\charscalex100 {pengembangan
aset wakaf ke arah yang lebih produktif. Ada beberapa alternatif model }\par\par
d\li520\ri0\sl-253\slmult0 \fs20\cf1\f0\charscalex100 {kerja sama. Pertama, }\fs
20\cf1\f0\charscalex100\i {hukr}\i0 \fs20\cf1\f0\charscalex100 { atau sewa berja
ngka panjang. Model ini memosisikan LKS }\par\pard\li520\ri0\sl-253\slmult0 \fs2
0\cf1\f0\charscalex100 {sebagai pengendali atau manajer yang menyewa tanah wakaf
untuk periode jangka }\par\pard\li520\ri0\sl-253\slmult0 \fs20\cf1\f0\charscale
x100 {panjang. LKS mengambil tanggung jawab konstruksi dan manajemen serta memba
yar }\par\pard\li520\ri0\sl-253\slmult0 \fs18\cf1\f0\charscalex100 {ongkos sewa
secara periodik kepada}{ }\fs20\cf1\f0\charscalex100\i {nazhir}\i0 \fs20\cf1\f0\
charscalex100 {.}\par\pard\li1146\ri0\sl-253\slmult0 \fs20\cf1\f0\charscalex100
{Kedua, murabahah. }\fs20\cf1\f0\charscalex100\i {Nazhir}\i0 \fs20\cf1\f0\charsc
alex100 { memosisikan dirinya sebagai pengusaha pengendali }\par\pard\li520\ri0\
sl-253\slmult0 \fs20\cf1\f0\charscalex100 {proses investasi yang membeli berbaga
i keperluan proyek wakaf, seperti material dan }\par\pard\li520\ri0\sl-253\slmul
t0 \fs20\cf1\f0\charscalex100 {peralatan kepada LKS. Pembayarannya dibayar kemud
ian, diambilkan dari pendapatan }\par\pard\li520\ri0\sl-253\slmult0 \fs18\cf1\f0
\charscalex100 {hasil pengembangan wakaf. }\par\pard\li1146\ri0\sl-253\slmult0
\fs20\cf1\f0\charscalex100 {Ketiga, mudharabah. Model ini dapat digunakan}{ }\f
s20\cf1\f0\charscalex100\i {nazhir}\i0 \fs20\cf1\f0\charscalex100 { sebagai }\fs
20\cf1\f0\charscalex100\i {mudharib}\i0 \fs20\cf1\f0\charscalex100 { dan }\par\p
ard\li520\ri0\sl-253\slmult0 \fs18\cf1\f0\charscalex100 {menerima dana likuid da
ri LKS untuk mendirikan bangunan di atas tanah wakaf. }\par\pard\li520\ri0\sl-25
3\slmult0 \fs20\cf1\f0\charscalex100 {Manajemen akan tetap berada di tangan}{ }\
fs20\cf1\f0\charscalex100\i {nazhir}\i0 \fs20\cf1\f0\charscalex100 { dan tingkat
bagi hasil diterapkan untuk }\par\pard\li520\ri0\sl-266\slmult0 \fs20\cf1\f0\ch
arscalex100 {menutup biaya usaha dalam manajemen sebagaimana juga penggunaan tan
ahnya. }\par\pard\li1146\ri0\sl-240\slmult0 \fs20\cf1\f0\charscalex100 {Tiga mod
el di atas sebatas contoh yang dapat dikembangkan lebih jauh. Pada}\par\pard\li5
20\ri0\sl-266\slmult0 \fs20\cf1\f0\charscalex100 {intinya, }\fs20\cf1\f0\charsca
lex100\i {nazhir}\i0 \fs20\cf1\f0\charscalex100 { mempunyai kapabilitas dan jari
ngan yang luas untuk mengembangkan }\par\pard\li520\ri0\sl-253\slmult0 \fs20\cf1
\f0\charscalex100 {aset wakaf. Pengembangan aset atau investasi ini untuk mengop
timalkan fungsi harta }\par\pard\li520\ri0\sl-253\slmult0 \fs20\cf1\f0\charscale
x100 {wakaf sebagai prasarana menciptakan kesejahteraan sosial dan membangun per
adaban }\par\pard\li520\ri0\sl-253\slmult0 \fs20\cf1\f0\charscalex100 {umat, sep
erti memajukan pendidikan, pengembangan rumah sakit, pemberdayaan }\par\pard\li5
20\ri0\sl-253\slmult0 \fs20\cf1\f0\charscalex100 {ekonomi masyarakat, dan pencip
taan lapangan pekerjaan. }\par\pard\li1146\ri0\sl-253\slmult0 \fs20\cf1\f0\chars
calex100 {Fungsi ini diakui kurang maksimal sebab pemanfaatan aset wakaf kebanya
kan }\par\pard\li520\ri0\sl-253\slmult0 \fs20\cf1\f0\charscalex100 {masih dikelo
la secara tidak profesional atau konsumtif. Dengan terbitnya Keputusan }\par\par
d\li520\ri0\sl-253\slmult0 \fs18\cf1\f0\charscalex100 {Menteri Agama tentang nam
a-nama LKS PWU, akan menggairahkan semangat }\fs20\cf1\f0\charscalex100\i {nazh
ir }\i0 \par\pard\li520\ri0\sl-253\slmult0 \fs20\cf1\f0\charscalex100 {mengemban
gkan harta wakaf ke arah yang lebih produktif melalui wakaf uang yang }\par\pard
\li520\ri0\sl-253\slmult0 \fs18\cf1\f0\charscalex100 {bekerja sama dengan LKS. }
\par\pard\li1146\ri0\sl-253\slmult0 \fs20\cf1\f0\charscalex100 {Sudah saatnya}{
}\fs20\cf1\f0\charscalex100\i {nazhir}\i0 \fs20\cf1\f0\charscalex100 { mengubah
paradigma dalam pengelolaan aset wakaf dari }\par\pard\li520\ri0\sl-253\slmult0
\fs20\cf1\f0\charscalex100 {menunggu bola menjadi menjemput bola, dari meminta-m
inta menjadi menjalin mitra. }\par\pard\li520\ri0\sl-253\slmult0 \fs20\cf1\f0\ch
arscalex100 {Itulah yang disebut sebagai }\fs18\cf1\f0\charscalex100\i {financi
al engineering}\i0 \fs20\cf1\f0\charscalex100 { dalam makna pengembangan aset }\

par\pard\li520\ri0\sl-253\slmult0 \fs20\cf1\f0\charscalex100 {wakaf. Dengan begi


tu, diharapkan tak ada lagi aset wakaf yang tidak produktif, apalagi }\par\pard\
li520\ri0\sl-253\slmult0 \fs18\cf1\f0\charscalex100 {telantar dan tak jelas stat
usnya.}{\super \fs12\up2\cf1\f0\charscalex100 {48}}\par\pard\li1146\ri0\sl-266\s
lmult0 \fs20\cf1\f0\charscalex100 {Apalagi, pada 2008 lalu DPR telah mensahkan R
UU Surat Berharga Syariah}\par\pard\li520\ri0\sl-253\slmult0 \fs20\cf1\f0\charsc
alex100 {Negara (SBSN) dan perbankan Syariah. Artinya, instrument untuk mengemba
ngkan }\par\pard\li520\ri0\sl-253\slmult0 \fs20\cf1\f0\charscalex100 {produktifi
tas perwakafan di Indonesia kian terbuka lebar. Tinggal kita selaku umat}\par\pa
rd\li520\ri0\sl-253\slmult0 \fs20\cf1\f0\charscalex100 {Islam di Indonesia, bisa
memanfaatkan peluang atau tidak.}{\super \fs12\up2\cf1\f0\charscalex100 {49}}\p
ar\pard\li880\ri0\sl-253\slmult0 \fs20\cf1\f0\charscalex100 {Di samping itu semu
a, wakaf juga harus dipromosikan dan }\fs18\cf1\f0\charscalex100\i {service}\i0
\fs20\cf1\f0\charscalex100 {-nya }\par\pard\li520\ri0\sl-253\slmult0 \fs20\cf1\f
0\charscalex100 {ditingkatkan. Tujuan dari Promosi ini adalah memberitahukan, me
nyadarkan, }\par\pard\li520\ri0\sl-253\slmult0 \fs20\cf1\f0\charscalex100 {mengi
ngatkan, mendorong dan memotivasi, menanamkan citra yang kuat dalam benak, }\par
\pard\li520\ri0\sl-253\slmult0 \fs20\cf1\f0\charscalex100 {dan memudahkan dan ma
layani. }\par\pard\li946\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li946\ri0\sl-213\
slmult0 \fs18\cf0\par\pard\li946\ri0\sl-213\slmult0 \fs18\cf0\par\pard\li946\ri0
\sl-266\slmult0 \fs10\cf1\f0\charscalex100 {48}\fs18\cf1\f0\charscalex100 { Ibid
.}{ }\fs16\cf1\f0\charscalex100\i {Republika}\i0 \fs16\cf1\f0\charscalex100 {, 3
1 Oktober 2008 accessed 3 Juli 2009}\par\pard\li946\ri0\sl-213\slmult0 \fs10\cf1
\f0\charscalex100 {49}\fs16\cf1\f0\charscalex100 { Padang Ekspres, Rabu, 28 Mei
2008 accessed 3 Juli 2009}\par\pard\li520\ri0\sl-213\slmult0 \fs18\cf0\par\pard\
li520\ri0\sl-413\slmult0 \fs20\cf1\f0\charscalex100 {108}\par}