Optimalisasi Wakaf Uang Melalui LKS-PWU dalam Pemberdayaan Ekonomi Umat

Lelih Amaliatushalihah (Universitas Ibn Khaldun Bogor)
Nur Nafiah Hermanianto (Universitas Ibn Khaldun Bogor)
Yusri Yusron (Universitas Ibn Khaldun Bogor)

Diversity: Jurnal Ilmiah Pascasarjana
Vol. 6 No. 2 (2026): Diversity: Jurnal Ilmiah Pascasarjana

Cash waqf is an Islamic social finance instrument with great potential in supporting the economic empowerment of the Muslim community. Although Indonesia's cash waqf potential reaches IDR 181 trillion annually, the cumulative amount collected by end-2025 has only reached IDR 3.5 trillion, less than 2% of the total potential. This article analyzes the optimization of cash waqf through the Islamic Financial Institution-Cash Waqf Recipient (LKS-PWU) using a conceptual and comparative approach. The study is conducted through library research and regulatory analysis, covering classical fiqh perspectives, positive law, and institutional practices in Indonesia. The findings indicate that the integration of sharia principles, digital innovation, and good governance can enhance the effectiveness of cash waqf collection and management through LKS-PWU.