LAW DEVELOPMENT ON CASH WAQF (AL

NUQUD) TO ELECTRONIC WAQF (E-WAQF)

FOR PUBLIC WELFARE

DOCTORATE PROGRAM (S3) OF LAW

POST-GRADUATE PROGRAM
FACULTY OF LAW
SULTAN AGUNG ISLAMIC UNIVERSITY
SEMARANG
2019
ONG ARGO VICTORIA
BACKGROUND
01 DIGITAL ERA
The modern era is identified with the era of the digital society, i.e
E-ID, E-Toll), bank account number, electricity account number,
phone bills, water bills, PIN (Personal Identification number) ATM,
E-Commmerce etc.

02 WAQF INNOVATION
Waqf Management Innovation has also been happening in Islamic
countries including Malaysia, Brunei, Kuwait, Qatar, Emirates,
Jordan, Saudi Arabia, Egypt, Turkey, Bangladesh, etc.

03 DEVELOPMENT UNDERSTANDING
Article 16 Paragraph (1) of Act No. 41 of 2004 on endowments,
which reads treasure be in waqf is immovable and moving objects
develop to Concrete asset to virtual asset.

04 MODERN WAQF MANAGEMENT

Article 23, Paragraph (2), innovation endowment as a source of
economic potential that can be seeded according to the times and
technology-information previously conventional, manually or cash /
money into the Electronic Waqf (E-Waqf).
FRAMEWORK
LITERATURE REVIEW
• The word “Waqf (endowments)” Also derived from the word “waqafa”
which means resist or stop or remain still “waqafa” word (Fi’il Madi),
“yaqifu” (Fi’il Mudari’), Waqfan (Isim Masdar) synonymous with
“habasa-yahbisu-tahbisan” means Donating.
• Act No. 41 of 2004 on Waqf, endowments defined by legal acts Wakif
to separate and / or hand over part of their wealth to be utilized
permanently or for a specified period of time in accordance with their
interests for purposes of worship and / or General Welfare according
to sharia.
• Islamic Law Compilation (KHI) in Article 215 declared waqf is a legal
act of a person or group of persons or legal entities that separates
most of her possessions and instituted them in perpetuity for the
Benefit Of Worship Or Other Public Purposes in accordance with
the teachings of Islam
Waqf Based On Administration Law of Republic of Indonesia
• Act No. 41 of 2004 on Waqf
• Government Regulation No. 42 of 2006 on the implementation of
Act No. 41 of 2004 on Waqf
• Presidential Decree No. 1 of 1991 About the Compilation of
Islamic Law (KHI)
REGULATION WAQF LEGISLATION ON MUSLIM STATES
Malaysia
• Chapters 61-62 of Deed of Islamic Law
(Regions Guild).
Place Your Picture Here And • Waqf ‘Am (common sendowments), Waqf Khas
(special endowments)
Send To Back Brunei Darussalam
• Practice management of waqf/endowments and
development in the State of Brunei Darussalam
started in 1955 when the issuing of Law State of
Place Your Brunei Darussalam and the Supreme Court of
Picture Here Kadi 77
• Management of waqf began to be managed by
the government under the control of “Majlis
Ugama Islam Brunei” (MUIB) since 1955
Saudi Arabia
• Royal Decree No. M / 35 dated 18 Rajab 1386
• Ministry (Department) of Finance and
Economics, Director of Antiquities and three
members from among intellectuals and
journalists

QUANTITY AND WAQF

MANAGEMENT PROCEDURE PUBLIC WELFARE
POTENTION
PRINCIPLE AND CONDITIONS OF WAQF  ELECTRONIC/ONLINE
PRINCIPLE AND CONDITIONS OF WAQF
• People who give endowments (Wakif)
• Represented objects (Mauquf)
• Purpose / represented where the
treasure is the recipient of waqf
 DIGITAL AND
(Mauquf 'Alaih)
MODERN ERA
• Statement / lafaz delivery of waqf
(sighat) / pledge of waqf
• Nadzir (Manager of Waqf)
• Period of Endowments
 EFFECTIVENESS
TECHNOLOGY

 INNOVATION
 CONVENTIONAL

PRODUCTIVE ENDOWMENTS
Act No. 41 Of 2004 on Endowments and Government Regulation Number 42 Of 2006 on Implementation of Act No. 41 Of 2004
is part of the spirit of updating and expanding scope of the waqf and its management in order to obtain the maximum benefit:
• Endowments in cash / money
• Shares waqf
• Islamic Bonds on Waqf
• Endowments Sharia Securities (SBSN)
• Waqf Properties Unit Housing Project
• Endowments of Intellectual Property Rights (IPR)
 Infographic
CASH WAQF/MONEY Style

REGULATION HISTORY INNOVATION PUBLIC WELFARE

Ulema of Shafi’i allow waqf with money. It can be seen from Thawr
narrated from Imam Shafi’i on the permission of endowments with dinar
(gold money) and dirham (silver money) Istihsan Bi Al Urfi

Islamic History: Hasanwayh (d. 1015 CE), the governor of Bani Buwayhid in
western Iran, endowment fund in the form of dinar and dirham,
Adud al-Daula, the Buyid caliph, capitalized endowments funds that come from his
own worth one hundred thousand dinars to build the hospital to the community
health services and medical education, and library (called Dar Al ‘Ilm)
Nizam al-Mulk in the year 1075 AD has been utilizing the endowment funds to build
the observatory in Nishabur named Sultan Jalal al-Din Malik Shah and with the
observatory, Omar Khayyam, the astronomer

MUI’s fatwa On WaqfOn May 11, 2002 (28 Shafar 1423 H), the Fatwa Commission Indonesian
Ulema Council (MUI) issued a fatwa on cash waqf / money. The fatwa was signed by KH Ma’ruf
Amin (Chairman) and Hasanuddin (Secretary). In the Fatwa Commission Indonesian Ulema Council
on waqf described waqf taken the definition from the book al Muhtaj Nihayat Syarh ila al-Minhaj of
al-Ramli, Mugni al-Muhtaj book of al-Khathib al-Syarbini and Islamic Law Compilation Book III,
chapter 215, paragraph (1).
 THE WEAKNESSES OF CASH WAQF / MONEY IN INDONESIA CURRENT
VIEWS FROM REGULATORY ASPECTS AND MANAGEMENT EFFORT IN THE
ECONOMIC SOCIETY

THE WEAKNESS OF WAQF

MANAGEMENT 1 THE WEAK
UNDERSTANDING OF

2 COMMUNITY ON WAQF LAW

THE WEAKNESS OF CONDUCT

AND EFFECTIVENESS OF 3 WEAKNESSES WAQF

4
LEGAL MANAGEMENT OF OBJECTS AND NADZIR
CASH WAQF / MONEY IN

5
INDONESIA
THE WEAKNESS ADAPTATION THE WEAKNESS OF THE
OF WAQF MANAGEMENT WITH EFFECTIVENESS OF LAW AS
INFORMATION TECHNOLOGY
DEVELOPMENTS 6 SOCIAL ENGINEERING IN THE
PROBLEM OF CASH WAQF /
MONEY IN INDONESIA
CASH WAQF IMPLEMENTATION IN INDONESIA IN LAW PERSPECTIVE AND POLITICAL FOR THE DEVELOPMENT OF
LAW ON CASH WAQF / MONEY (AL NUQUD) TO ELECTRONIC WAQF (E-WAQF) FOR PUBLIC WELFARE

WAQF BOARD OF INDONESIA GROWTH AND DEVELOPMENT

(BWI) IN THE DEVELOPMENT OF OF LAW IN INDONESIA
WAQF IMPLEMENTATION IN ENDOWMENTS
INDONESIA

ON LINE MECHANISMS OF CASH WAQF

WITH ELECTRONIC
MANAGEMENT AND ONLINE IN
POLITICIZATION OF CASH
ACT NO. 41 OF 2004
WAQF IMPLEMENTATION OF
CONCERNING ENDOWMENTS
LAW IN INDONESIA

MINISTER OF RELIGION NO. 4 REGULATION NO.1 of 2009

OF 2009 CONCERNING CASH ABOUT DIRECT DEPOSITING
WAQF ADMINISTRATION, WAQF OF CASH WAQF
BOARD OF INDONESIA

BWI REGULATION NO. 1 OF 2009 ON DIRECT DEPOSIT OF

CASH WAQF
ELECTRONIC PAYMENT (E-PAYMENT) AS A SERVICE INNOVATION ON CASH
WAQF FUND RAISING BASED E-WAQF AND ONLINE IN ACCELERATING
ECONOMIC DEVELOPMENT OF INDONESIA

Indonesian Waqf Board (BWI), which in

2018 amounted to 20 trillion rupiah
This figure is obtained when 20 million people in Indonesia,
or about 9% of the total population of Indonesia allocated
Rp 1,000,000 per year for the cash waqf. But the fact of
raising cash waqf has not been effective, visible from
endowments amount collected from 2018 to 2019 only
amounted to about 3.6 billion rupiah

POTENTIAL PROJECTION

45% 60% 75%

2018 2022 2034
INTERNET USERS POTENTION TO ELECTRONIC WAQF

Association of Indonesian Internet Service Provider (APJII) in 2018 explains that the
most number of Internet users aged 25-29 years and 35-39 years. Meanwhile, total
internet users from age 20 to 50 years and over as many as 119.2 million. The
number of internet users in Indonesia, especially the mobile Internet, enabling
integration between the online payment system (e-payment) in the world of
electronic endowments to improve the effectiveness of the collection and
management of waqf property-based online payment (e-payment).
The use of e-payment application starting with the
cash waqf Bank to open an account by filling an
online form that has been provided on the Bank's
Flow of E-payment Endowments Money
website of Waqf. After filling the form, wakif will get
an e-mail containing a Waqf Bank account numbers
In Electronic Waqf
and passwords. That is, wakif been registered as
Waqf Bank customers. The account number and
password can be used wakif to activate and log in
application of E-payment which have been
downloaded on Google Play Store or the Apple
Store.
 E-WAQF PROCEDURES

WAKIF DATA INPUT

APPLICATION E-CERTIFICATE

WAKIF INPUT DATA

Wakif of endowments can then depositing the balance of
commercial bank accounts owned by the application of e-payment
endowment
TYPE
Once the balance is filled, wakif then choose endowment is desired,
such as endowments for MSME, endowments for development of
education, endowments for agricultural empowerment, etc
Wakif of endowments allocation chosen by a substitute Sighoh as one of
the pillars of waqf. Just as in buying and selling, Sighoh also become one
of the pillars of sale. But in practice, Sighoh can be done with the money
given to the buyer as a form of handing over the purchase of goods.
E-CERTIFICATE
After all the stages do. Wakif then print the Certificate of Cash waqf
(SWU) as proof of payment endowment.
LAW DEVELOPMENT ON CASH WAQF (AL NUQUD) TO ELECTRONIC WAQF
(E-WAQF) IN COMPILATION OF ISLAMIC LAW, MUI’S FATWA, ACT NO. 41 OF
2004 FOR THE PUBLIC WELFARE
Law development occurred in paragraphs 1, 4, 6 and 9 in Book III of the Law endowments Article
215-229, while the general provision in Article 215 KHI Towards Electronic Waqf (E-Waqf)

Act No. 11 of 2008 on

Electronic payment
article 28 of Act No. 41 Information and ITE Law in article 1,
systems (electronic
Of 2004 on Waqf Electronic Transactions paragraph (2)
funds transfer system)
(UU ITE)
Law development occurred
Government Regulation Development of
Article 15 of the Electronic Waqf/endowments
(PP) No. 42 of 2006 on legislation regarding law (E-Waqf) of cash into a
Regulation describes
the implementation of Act the placement of Virtual Account / E-Money in
No. 41 of 2004 on the types of waqf Fatwa Indonesian Ulema
money endowments
endowments property Council (MUI) on
set out in Article 25 (d) Endowments Money

10% 30% 40% 20%

1) Point of sale transfers. 2) Automatic Teller Machine (ATM), 3) Transfers initiated by
telephone, 3) Electronic Data Interchange (EDI), and Virtual cash payment on the
internet
 CLOSING
CONCLUSION
• DIFFERENCES OF OPINION AMONG SCHOLARS AND
LEGAL EXPERTS WHO FOLLOWED AS PUBLIC
SCHOOLS IN INDONESIA REGARDING CASH WAQF /
MONEY.
• LESS UNDERSTANDING ON REGULATION OF WAQF
• BAD MANAGEMENT
• LESS INNOVATION
 NEED NEW INNOVATION, REGULATION, APPLICATION
 TRANSFORM TO ELECTRONIC WAQ (E-WAQF)
SWOT
DISSERTATION STUDY IMPLICATIONS
• Electronic system through the Waqf (E-Waqf), once manually
fundrising become easier and become one of the alternatives,
innovation and referral modern endowments earmarked for
community economic development.
• Through the development of waqf Cash Waqf (Al Nuqud) through
the Electronic Waqf system (E-Waqf) then nadzir and endowment
management institutions already have legal protection and
tremendous potential in raising funds waqf in Indonesia.
• Through an Electronic Waqf (E-Waqf) then Muslims directed at
the empowerment productive business people, by not reducing
the principal amount of the cash waqf, then this has to be one of
the tools to achieve the purpose of the State, especially creating
prosperity at the opening of the 1945 Alenia 4.
SUGGESTION
• Need for continuous supervision of the agency which has the
authority to supervise the course of the process Cash Waqf
(Al Nuqud) through the Electronic Waqf system (E-
Waqf)ranging from the delivery of waqf property, nadzir,
keluangan institute sharia receiver to the distribution of cash
waqf/endowments, and monitoring of the endowment fund, to
comply with sharia at Islam and its benefits in order to
alleviate poverty and provide economic empowerment of the
nation.
• There needs to be a study / research continuous process and
management Cash Waqf (Al Nuqud) through the Electronic
Waqf system (E-Waqf), so the results can be used to
completed the results of this study and able to be contributing
in making policy in legislation and regulations that exist.
• Board Waqf of Indonesia (BWI) as an independent agency
should be guarded in order to develop endowments in
Indonesia, especially reform Cash Waqf (Al Nuqud) into the
Electronic Waqf (E-Waqf). In addition, BWI also need to
socialize movement Cash Waqf (Al Nuqud) through the
Electronic Waqf system (E-Waqf) sustainably and for the
improvement of regulation in the field of modern
endowments.
1. BOOKS
BIBLIOGRAPHY
Abid Abdullah Al-Kabisi, Muhammad, Hukum Wakaf, Jakarta: Dompet Duafa dan IIMAN, 2003
Ali, Mohammad Daud, Hukum Islam Pengantar Ilmu Hukum dan Tata Hukum Islam di Indonesia, Jakarta: PT. Raja
Grafindo Persada, 1990.
----------------------, Sistem Ekonomi Islam, Zakat dan Wakaf, (Jakaarta: UI – Press.,1988).
Azizy, A. Qodri, Eklektisisme Hukum Nasional, Kompetisi antara Hukum Islam dan Hukum Umum, Yogyakarta:
Gama Media, 2002.
Ahmad, Khursid (ed.), Pesan Islam, diterjemahkan oleh Achsin Muhammad , Bandung: Pustaka,1983.
Al-Faruqi, Ismail R., Tawhid: Its Implication For Thought and Life Washongton D.C., The International Institute of
Islamic Thought, 1982.
Al- Jaziri, Abdurrahman, Kitab al-Fiqh ‘ala al-Mazahib aal-Arba’ah, Kaairo: Al- Istiqamat, t.t.
Al-Jashshas, Abu Bakar Ahmad bin Ali al-Razi, Ahkam al-Qur’an, Jilid III Beirut, Dar al-Kitab al-Arabi, t.t.
2. JOURNAL/MAGAZINE/ARTICLE
Al-Hadi, ,Abu Azam Upaya Pemberdayaan Tanah Wakaf Produktif Bagi Kesejahteraan Ummat, dalam jurnal
ISLAMICA, Vol. 4 No. 1, September 2009.
Budi , Iman Setya, Revitalisasi Wakaf sebagai Penggerak Ekonomi Masyarakat, dalam jurnal: Al-Iqtishadiyah Jurnal
Ekonomi Syariah dan Hukum Ekonomi Syariah, Volume: II, Nomor II. Juni 2015
Saifuddin, Farhah binti, The Role Of Cash Waqf In Poverty Alleviation: Case Of Malaysia, dalam jurnal Proceeding -
Kuala Lumpur International Business, Economics and Law Conference 4 (KLIBEL4) Vol. 1. 31 May – 1 June 2014
Huda , Nurur, Desti Anggraini dkk, Akuntabilitas Sebagai Sebuah Solusi Pengelolaan Wakaf, dalam jurnal Akuntansi
Multiparadigma, Vol.5, No.3, Desember 2014.
Majalah Modal, No. 19/II Mei 2004.
3. REGULATION
Undang-Undang Nomor 41 Tahun 2004 tentang Wakaf.
Peraturan Pemerintah Nomor 42 Tahun 2006 tentang Pelaksanaan Undang-Undang Nomor 41 Tahun 2004 tentang
Wakaf.
Peraturan Menteri Agama Nomor 73 Tahun 2013 tentang Tata Cara Perwakafan Benda Tidak Bergerak dan Benda
Bergerak Selain Uang.
Peraturan Menteri Agama Nomor 4 Tahun 2009 tentang Administrasi Pendaftaran Wakaf Uang.
Inpres Nomor 1 Tahun 1991 Tentang Kompilasi Hukum Islam
Peraturan Pemerintah Nomor 28 Tahun 1977 Tentang Perwakafan Tanah Milik
Peraturan Pemerintah Nomor 42 Tahun 2006 Tentang Pelaksanaan UU No.41 Tahun 2004 Tentang Wakaf.
Peraturan Badan Wakaf Indonesia Nomor 1 Tahun 2008 tentang Prosedur Penyusunan Rekomendasi terhadap
Permohonan Penukaran/ Perubahan Status Harta Benda Wakaf.
4. INTERNET
http://www.rumahwakaf.org/tentang-service-kami/, di akses tgl. 28 Desember 2018 (IIUM Malaysia)
https://act.id/news/detail/wakaf-tunai, di akses tgl. 28 Desember 2018 (IIUM Malaysia)
https://wakafkuburansinergifoundation.wordpress.com/tag/pengertian-wakaf/, di akses tgl. 28 Desember 2018 (IIUM
Malaysia)
Thank You