INVESTASI MUDHARABAH SEBAGAI OPTIMALISASI PENGELOLAAN WAKAF UANG

Abstract

Waqf is a form of amaliyah that is different from zakat, infaq and alms because it has the nature of eternity. In addition, the law of zakat is mandatory, so someone who issues his wealth to make zakat is due to the law. Unlike the waqf which are voluntary surrenders of some of the assets owned, so those who issue waqf aim to draw closer to Allah SWT. The most widely known form of waqf in society is non-immovable property such as land waqf and building waqf. However, around the 15th century began waqf with moving objects in the form of money known as cash waqf / waqf money. Management of money waqf is carried out by submitting to the manager of waqf (nazhir) which is then distributed in the form of productive assets or through investment in business sectors that are not in conflict with sharia. The benefits of this productive asset and investment will be channeled into social services. One investment that can be done is mudharabah deposits. Mudharabah time deposits are a form of cooperation that has been widely used in banks where customers hand over their money to be managed by the bank and then the profit sharing is intended for waqf.