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Jurnal Perspektif Ekonomi Darussalam
Published by Universitas Syiah Kuala
ISSN : 25026976     EISSN : 25806297     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
Jurnal Perspektif Ekonomi Darussalam (JPED) is a biannual peer-reviewed scientific journal of Islamic Economics published by Islamic Economics Department, Faculty of Economics and Business, Syiah Kuala University, Banda Aceh. JPED has jointly cooperated with Indonesian Council of Islamic Economic Experts (IAEI), Indonesia since 2015. JPED invites researchers, reviewers, practitioners, industries and economic observers to submit their scientific articles for publication. The manuscript of the article can be written both in Indonesian language and English.
Arjuna Subject : -
Articles 117 Documents
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ANALISIS PENGUKURAN MINAT PENGGUNA APLIKASI PAYTREN DALAM PENGGUNAAN MOBILE PAYMENT DI ACEH Evayani Evayani; Dini Ariani; Dinaroe Dinaroe
Jurnal Perspektif Ekonomi Darussalam (Darussalam Journal of Economic Perspec Vol 7, No 1 (2021): Jurnal Perspektif Ekonomi Darussalam
Publisher : Program Studi Ekonomi Islam, Fakultas Ekonomi dan Bisnis - Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/jped.v7i1.20263

Abstract

In recent years, the number of internet users and smartphones was increasing enormously in Indonesia. The development of the internet occurs rapidly and gives a significant influence on every aspect of life. The growing information technology allows people to easily perform various financial transactions by using mobile payments. This research aimed to examine the influence of mobility, compatibility, and trust toward the intention of users to use mobile payment. The research was conducted in Banda Aceh by taking samples of the PayTren users. The purposive sampling method was being used in gathering data and the main instrument of data collection was in the form of a questionnaire, which was being measured on a Likert scale. The data Samples were Banda Aceh inhabitants who use PayTren as their mobile payment platform. A total of 119 data were processed using SPSS and the analysis result of the model showed that mobility, compatibility, and trust affected the intention to use mobile payment PayTren.
ANALISIS KETIMPANGAN PENDIDIKAN DI PROVINSI PAPUA BARAT Nur Sholekhatun Nisa; Palupi Lindiasari Samputra
Jurnal Perspektif Ekonomi Darussalam (Darussalam Journal of Economic Perspec Vol 6, No 2 (2020): Jurnal Perspektif Ekonomi Darussalam
Publisher : Program Studi Ekonomi Islam, Fakultas Ekonomi dan Bisnis - Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/jped.v6i2.16388

Abstract

Penelitian ini bertujuan untuk mengukur tingkat ketimpangan pendidikan dengan menggunakan Koefisien Gini Ratio, membandingkan tingkat ketimpangan pendidikan, serta menganalisis faktor ketimpangan pendidikan antar wilayah di Provinsi Papua Barat. Penelitian ini menggunakan analisis deskriptif korelasional berdasarkan data panel periode 2013-2018 yang diperoleh dari Direktorat Jenderal Badan Pusat Statistik Provinsi Papua Barat. Data dianalisis dengan Indeks Gini Ratio dan Kurva Lorenz sebagai ukuran tingkat ketimpangan berdasarkan data Rata-Rata Lama Sekolah dan Harapan Lama Sekolah selama enam tahun terakhir di Provinsi Barat. Hasil dari Indeks Gini Ratio menunjukan tingkat ketimpangan pendidikan di Provinsi Papua Barat tergolong rendah dengan hasil Indeks Gini Rata-Rata Lama Sekolah 0,110 dan Harapan Lama Sekolah 0,047. Hasil penelitian keduanya, menunjukan angka koefisien Gini setiap tahunnya semakin kecil yang mengindikasikan semakin meratanya distribusi pendidikan di Provinsi Papua Barat. Namun, ketimpangan pendidikan antar wilayah di Papua Barat masih terjadi, Kota Sorong menjadi daerah dengan Rata-Rata Lama Sekolah dan Harapan Lama Sekolah tertinggi dibanding daerah-daerah lainnya.
PENGARUH DANA PIHAK KETIGA, NON-PERFORMING LOAN, DAN NET INTEREST MARGIN TERHADAP PROFITABILITAS BANK UMUM PEMERINTAH DI INDONESIA Adinda Putri Juleita; Achmad Nawawi
Jurnal Perspektif Ekonomi Darussalam (Darussalam Journal of Economic Perspec Vol 7, No 1 (2021): Jurnal Perspektif Ekonomi Darussalam
Publisher : Program Studi Ekonomi Islam, Fakultas Ekonomi dan Bisnis - Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/jped.v7i1.17690

Abstract

This research was conducted to analyze the effect of Third Party Funds, Non Performing Loan (NPL), and Net Interest Margin (NIM) both partially and simultaneously on profitability in government public banks in Indonesia. This research sample is the government's public Bank in Indonesia for 10 periods (2010-2019), with a total sample of 4 banks. The sample was selected using saturated purposive sampling. The type of data in this study is quantitative data sourced from financial reports (balance sheet and calculation of financial ratios) through the official website of the Financial Services Authority (OJK). The results of this study indicate that; (1) the Third Party Funds has a significant positive effect on profitability, (2) NPL has a significant negative effect on profitability, (3) NIM has a significant positive effect on profitability, and (4) simultaneously the  Third Party Funds, NPL, and NIM have a significant positive effect on profitability. Keywords : Third Party Funds, Non Performing Loans, Net Interest Margin, Profitability  Abstrak Penelitian ini dilakukan untuk menguji Dana Pihak Ketiga (DPK), Non-Performing Loan (NPL), dan Net Interest Margin (NIM), baik secara parsial maupun simultan terhadap Profitabilitas dengan objek penelitian yaitu Bank Umum Pemerintah yang ada di Indonesia periode tahun 2010-2019. Sampel penelitian ini adalah Bank Umum Pemerintah di Indonesia yang berjumlah 4 bank dengan mengambil periode pengamatan data selama 10 tahun (2010-2019). Sampel dipilih dengan menggunakan purposive sampling jenuh. Jenis data dalam penelitian ini adalah data kuantitatif yang bersumber dari laporan keuangan (neraca dan perhitungan rasio keuangan) melalui laman web resmi Otoritas Jasa Keuangan (OJK). Hasil penelitian ini menunjukkan bahwa; (1) DPK berpengaruh positif signifikan terhadap profitabilitas, (2) NPL berpengaruh negatif signifikan terhadap profitabilitas, (3) NIM berpengaruh positif signifkan terhadap profitabilitas, dan (4) secara simultan DPK, NPL, dan NIM berpengaruh positif signifikan terhadap profitabilitas.
KEPUASAN SEBAGAI MEDIASI PENGARUH SERVICE QUALITY DAN CUSTOMER INTIMACY TERADAP LOYALITAS NASABAH Yeyen Novita; Ari Setiawan; Ahmad Ulil Albab Al Umar
Jurnal Perspektif Ekonomi Darussalam (Darussalam Journal of Economic Perspec Vol 7, No 2 (2021): Jurnal Perspektif Ekonomi Darussalam (in pressing)
Publisher : Program Studi Ekonomi Islam, Fakultas Ekonomi dan Bisnis - Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/jped.v7i2.21748

Abstract

This study observes the influence of Service Quality and Customer Intimacy on Customer Loyalty at Bank Muamalat KC Solo with Satisfaction as an Intervening variable. This study applies quantitative methods with a total of 100 respondents. The result was analyzed through statistical tests, classical assumption tests and path analysis on SPSS version 23. The finding shows:  Service Quality has a significant positive effect on customer loyalty. Customer Intimacy has no significant positive effect on customer loyalty. Service Quality has a significant positive effect on satisfaction. Customer Intimacy has a significant positive effect on satisfaction. Satisfaction has a significant positive effect on customer loyalty. Satisfaction is not able to facilitate the effect of Service Quality and Customer Intimacy on Customer Loyalty. The implications of this research are expected as a reference in order to measure the extent to which the object of this research is in providing services to customers, and measuring how satisfied customers are.
PENGARUH PENGETAHUAN, PENDAPATAN, RELIGIUSITAS, DAN MOTIVASI TERHADAP MINAT MASYARAKAT MEMBAYAR ZAKAT DI BAITUL MAL ACEH SELATAN Asyraf Zaki; Suriani Suriani
Jurnal Perspektif Ekonomi Darussalam (Darussalam Journal of Economic Perspec Vol 7, No 1 (2021): Jurnal Perspektif Ekonomi Darussalam
Publisher : Program Studi Ekonomi Islam, Fakultas Ekonomi dan Bisnis - Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/jped.v7i1.18258

Abstract

Tulisan ini bertujuan untuk menganalisis pengaruh pengetahuan, pendapatan, religiusitas, dan motivasi terhadap minat. Penelitian ini merupakan penelitian kuantitatif dengan metode survey dan kuesioner. Populasi dalam penelitian ini yaitu seluruh masyarakat Aceh Selatan yang menjadi muzakki. Sementara sampelnya berjumlah 100 responden. Metode analisis data yang digunakan yaitu analisis regresi linier berganda. Hasil penelitian menunjukkan bahwa secara simultan pengetahuan, pendapatan, religiusitas, dan motivasi berpengaruh positif terhadap minat. Sedangkan secara parsial pengetahuan tidak berpengaruh terhadap minat, pendapatan berpengaruh positif terhadap minat, religiusitas berpengaruh positif terhadap minat, dan motivasi berpengaruh positif terhadap minat.
PENGARUH FAKTOR PERILAKU KONSUMEN TERHADAP KEPUTUSAN PEMBELIAN ASURANSI JIWA (STUDI PADA PT. ASURANSI JIWA SYARIAH BUMIPUTERA CABANG BANDA ACEH) Israk Ahmadsyah; Isnaliana Isnaliana; Wediansyah Wediansyah
Jurnal Perspektif Ekonomi Darussalam (Darussalam Journal of Economic Perspec Vol 7, No 2 (2021): Jurnal Perspektif Ekonomi Darussalam (in pressing)
Publisher : Program Studi Ekonomi Islam, Fakultas Ekonomi dan Bisnis - Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/jped.v7i2.21924

Abstract

This study aims to determine the effect of Consumer Behavior Factors Against Life Insurance Purchasing Decisions (Study at PT. Asuransi Jiwa Syariah Bumiputera Banda Aceh Branch). Consumer behavior is very closely related to the problem of decisions taken by someone in competition and the determination to obtain and use goods and services. Consumers take many kinds of considerations to make purchasing decisions. This research is quantitative research. The population in this study is consumer behavior at PT. Sharia Life Insurance Bumiputera Banda Aceh Branch and a sample of 65 customers. The results of this study indicate that consumer behavior significantly influences the decision to purchase Bumiputera Sharia Life Insurance, Banda Aceh Branch (p-value=0.00, β=0.229). 
Persepsi Kegunaan, Kemudahan, Keamanan dan Kerahasiaan, Serta Kepuasan Wajib Pajak Pengguna E-Filing dan Non E-Filing untuk Pajak Tahunan Orang Pribadi Ria Adhi Pramesti; Sukirman Sukirman; Icuk Rangga Bawono
Jurnal Perspektif Ekonomi Darussalam (Darussalam Journal of Economic Perspec Vol 7, No 1 (2021): Jurnal Perspektif Ekonomi Darussalam
Publisher : Program Studi Ekonomi Islam, Fakultas Ekonomi dan Bisnis - Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/jped.v7i1.17000

Abstract

This study aimed to compare the perceived usefulness, perceived convenience, perceived security and perceived satisfaction of tax payers between users of e-filing and non e-filing. The research located in Tax Office (KPP) Pratama Purwokerto, using primary data and secondary data collected by survey method. The registered taxpayers to use e-filing are 17.831 and the non e-filing are 44.332. Paired t-test was used to compare each variable between users of e-filing and non e-filing. Based on the analysis, it is can be concluded that: (1) there is no difference in perceived usefulness, users of e-filing and non e-filing has the perception that reporting tax return online and manual are equally useful; (2) there is a difference in perceived convenience, the user has a perception that the use of e-filing is more convenience than the manual; (3) there is a difference in perceived security, the user has a perception that the use of e-filing is more secure and confidential than the manual; (4) there is no difference in perceived satisfaction, either the e-filing and non e-filing are equally satisfied; and (5) as a whole, there are differences of perception between users of e-filing and non e-filing, so it can be concluded that the benefits of the usefulness of e-filing is influenced by variables of usability, convenience, security, confidentiality and satisfaction of taxpayers on e-filing.
PENGARUH TENAGA KERJA, TINGKAT PENDIDIKAN DAN BELANJA SEKTOR PERTANIAN TERHADAP PERTUMBUHAN DI SEKTOR PERTANIAN KABUPATEN ACEH BESAR Niswatul Khaira; Muhammad Abrar
Jurnal Perspektif Ekonomi Darussalam (Darussalam Journal of Economic Perspec Vol 7, No 2 (2021): Jurnal Perspektif Ekonomi Darussalam (in pressing)
Publisher : Program Studi Ekonomi Islam, Fakultas Ekonomi dan Bisnis - Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/jped.v7i2.23417

Abstract

The purpose of the study was to determine the effect of labor, education level, and agricultural spending on the growth of the agricultural sector in Aceh Besar District. The variables in this study are labor, education level, agricultural sector spending and agricultural sector growth. In this research, the authors used quantitative descriptive analysis method with secondary data obtained from the publication of BPS and the rector general of finance. Data analysis used multiple linear regression model using SPSS version 22 program.The results showed that the variables of labor (X1), education level (X2), capital expenditure (X3), and expenditures on goods and services had a significant negative effect. , while goods and services expenditure (X4), has a significant positive effect on the growth of the agricultural sector, and the results of multiple regression analysis, it can be concluded that simultaneously all independent variables have a significant effect on the growth of the agricultural sector in Aceh Besar District.Keywords: employment, education level, government spending, economic growth.AbstrakPenelitian ini bertujuan untuk mengetahui pengaruh tenaga kerja, tingkat pendidikan, dan belanja sektor pertanian terhadap pertumbuhan sektor pertanian di Kabupaten Aceh Besar. Variabel dalam penelitian ini adalah tenaga kerja, tingkat pendidikan, belanja sektor pertanian dan pertumbuhan sektor pertanian. Pada peneltian ini, penulis menggunakan metode analisis deskriptif kuantitatif, dengan data sekunder yang diperoleh dari publikasi  BPS dan rektorat jenderal keuangan. Analisis data menggunakan metode model regresi linear berganda (multiple linear regression) dengan menggunakan program SPSS versi 22. Hasil penelitian menunjukkan bahwa variabel tenaga kerja (X1), tingkat pendidikan (X2), belanja modal (X3), dan belanja barang jasa berpengaruh negatif signifikan, sedangkan belanja barang dan jasa (X4), berpengaruh positif signifikan terhadap pertumbuhan sektor pertanian, dan hasil analisis regresi berganda maka dapat disimpulkan bahwa secara simultan seluruh variabel independen berpengaruh signifikan terhadap pertumbuhan sektor pertanian di Kabupaten Aceh Besar.
KEMISKINAN DAN KESENJANGAN PENDAPATAN: PERAN PDRB DAN ZAKAT DI PROVINSI ACEH Amri Amri; Dara Meutia; Ridwan Nurdin
Jurnal Perspektif Ekonomi Darussalam (Darussalam Journal of Economic Perspec Vol 7, No 2 (2021): Jurnal Perspektif Ekonomi Darussalam (in pressing)
Publisher : Program Studi Ekonomi Islam, Fakultas Ekonomi dan Bisnis - Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/jped.v7i2.22871

Abstract

This study aimed to determine the Gross Domestic Product (GDP) and the realization of zakat fund distribution toward the alleviation of poverty and income inequality in Aceh Province. This research involved panel data that is a combination of cross section data and time series data with the number of observation as many as 184 consisted of 23 districts/cities in a period of 8 years (2010 to 2017). This study used two models with dependent variables were the poverty and the income inequality. The result of the poverty model showed that Gross Domestic Product (GDP) and zakat influenced negatively and significantly toward the poverty in Aceh Province. However, the result of income inequality model showed that Gross Domestic Product (GDP) influenced positively and significantly toward the income inequality, whereas zakat influenced negatively but not significantly toward the income inequality. Therefore, it is expected that the government and Baitul Mal Aceh Province to increase the number of Gross Domestic Product (GDP) and zakat as well as to maximize its distribution so that the level of the poverty and the income inequality in Aceh Province can be reduced.Keywords: Poverty, Income Inequality, Zakat, Gross Domestic Product (GDP).AbstrakPenelitian ini bertujuan untuk mengetahui pengaruh Produk Domestik Regional Bruto (PDRB) dan realisasi penyaluran dana zakat terhadap penurunan kemiskinan dan kesenjangan pendapatan di Provinsi Aceh. Penelitian ini menggunakan data panel, yakni gabungan data cross section dan time series dengan jumlah observasi sebanyak 184 yang terdiri atas 23 kabupaten/kota dalam kurun waktu 8 tahun (2010-2017). Penelitian menggunakan dua model dengan variabel terikat yaitu kemiskinan dan kesenjangan pendapatan. Hasil penelitian untuk model mengenai kemiskinan menunjukkan bahwa, PDRB dan zakat berpengaruh negatif dan signifikan terhadap kemiskinan di Provinsi Aceh. Namun, hasil penelitian untuk model mengenai kesenjangan pendapatan menunjukkan bahwa, PDRB berpengaruh positif dan signifikan terhadap kesenjangan pendapatan, sedangkan zakat berpengaruh negatif namun tidak signifikan terhadap kesenjangan pendapatan di Provinsi Aceh. Diharapkan kepada pihak pemerintah dan pihak Baitul Mal Provinsi Aceh untuk dapat lebih meningkatkan jumlah PDRB dan zakat serta memaksimalkan penyalurannya, sehingga tingkat kemiskinan dan kesenjangan pendapatan di Provinsi Aceh dapat semakin dikurangi.Kata Kunci: Kemiskinan, Kesenjangan Pendapatan, Zakat, Produk Domestik  Regional Bruto (PDRB).
KEDUDUKAN WAKAF ASURANSI JIWA DALAM ISLAM Jalaluddin Jalaluddin
Jurnal Perspektif Ekonomi Darussalam (Darussalam Journal of Economic Perspec Vol 7, No 2 (2021): Jurnal Perspektif Ekonomi Darussalam (in pressing)
Publisher : Program Studi Ekonomi Islam, Fakultas Ekonomi dan Bisnis - Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/jped.v7i2.22077

Abstract

Shari'a something from Allah SWT as the creator is for the benefit of the people, it's just that    humans sometimes have not found it because of the limitations of knowledge and His guidance. An example of the interpretation of Zakat, Infaq, Alms and Waqf (Ziswaf) as socio-economic philanthropy for the distribution of wealth from those who have wealth to those who need it more to reduce economic inequality. Compared to zakat, infaq and alms, they are often combined in terms, but people's attention to waqf is somewhat reduced. In fact, each of them has almost the same function, only for waqf, the principal of the property must be eternal /endowment fund, which is handed over for the general benefit only the benefits are continuous which is commonly called amaljariah However, zakat, infaq and alms tend to be for consumptive needs only (emergency fund). Life insurance waqf is one of the waqf planning methods by making an official/legal will of property ownership by giving the waqf concerned in the event of risk/death with the approval of the heirs. However, they can still enjoy the benefits of the waqf assets as long as the wakif is still alive for the wakif family, the public interest of the insurance policy value at maturity in accordance with the provisions of the money waqf fatwa. Islamic life insurance waqf in Indonesia, namely waqf of the benefits of investment and sharia insurance coverage benefits at the same time, by submitting the policy as a form of waqf contract to Nazhir. In this case, people who have unit-linked life insurance policies from insurance companies that have sharia products after they are made into policies and become securities, the benefits or the sum assured and other benefits will be donated. The purpose of this study is to find out how the position of Islamic life insurance waqf in Islamic law according to the Hanafi School. The research method used is normative-empirical qualitative for the benefit of the maqashid sharia. As for the results of the research in legal action, according to the Hanafi school, it is more flexible because waqf objects (a'in) can move temporarily and permanently, even ownership is still by the waqif. The conclusion is that the ownership of waqf property cannot be separated from the owner, instead they can take and sell it, meaning that the consequence of waqf is only the contribution of benefits. According to the Hanafi school of thought, the way to preserve waqf objects/objects such as money/sharia life insurance is by means of mudharabah or substitution with eternal goods with risk mitigation. Waqf insurance is a prior plan with a promise contract (wa'ad) and is fulfilled after it becomes the property of the participant/waqif, meaning that with movable object waqf such as life insurance, you do not have to wait to be rich before waqf. Moreover, waqf can be temporary (mu'aqqad) or forever (mu'abbad) but the benefits are forever (mu'abbad). Seeing the current world condition that is hit by a crisis, from various literature studies and field research including interviews and observations, the researcher concludes that the view of the Hanafi School of Law is suitable to be applied.Keywords: life insurance waqf law, the Hanafi school of thought, maslahahAbstrakPensyariatan sesuatu dari Allah SWT sebagai sang pencipta adalah untuk kemaslahatan umat, hanya saja manusia terkadang belum menemukan karena keterbatasan ilmu pengetahuan dan hidayah-Nya. Contoh penyariatan Zakat Infak Sedekah dan Wakaf (Ziswaf) sebagai filantropi sosial-ekonomi untuk distribusi kekayaan dari yang mempunyai harta ke lebih membutuhkan untuk mengurangi kesenjangan ekonomi. Dibandingkan zakat infak dan sedekah sering digabung dalam istilah, tapi perhatian masyarakat dengan wakaf agak sedikit berkurang . Padahal sesungguhnya masing-masing mempunyai fungsi yang hampir sama, hanya saja untuk wakaf, pokok dari harta harus kekal/dana abadi (endowment fund), yang diserahkan untuk kemaslahatan umum hanya manfaatnya yang terus menerus yang biasa disebut amal jariah. Tetapi untuk zakat, infak dan sedekah lebih cenderung  untuk kebutuhan konsumtif  saja (emergency fund).  Wakaf asuransi jiwa adalah salah satu metode perencanaan wakaf dengan cara membuat suatu wasiat secara resmi/legal dari kepemilikan harta dengan memberikan wakaf yang bersangkutan disaat terjadi risiko/wafat atas persetujuan ahli waris.  Akan tetapi masih bisa menikmati manfaat dari aset yang diwakafkan tersebut selama wakif tersebut masih hidup untuk keluarga wakif, kepentingan umum dari nilai polis asuransi saat jatuh tempo sesuai dengan mengacu pada ketentuan fatwa wakaf uang. Wakaf asuransi jiwa syariah di Indonesia yaitu mewakafkan hasil manfaat dari investasi dan manfaat pertanggungan asuransi syariah sekaligus, dengan menyerahkan polis sebagai bentuk akad wakaf kepada nazhir. Dalam hal ini masyarakat yang memiliki polis asuransi jiwa unit link dari perusahaan asuransi yang memiliki produk syariah setelah dijadikan polis dan menjadi surat berharga maka manfaatnya atau uang pertanggungannya dan manfaat lainnya itu yang akan diwakafkan. Tujuan dari penelitian ini untuk mengetahui bagaimana kedudukan wakaf asuransi jiwa syariah dalam hukum Islam menurut Mazhab Hanafi. Metode penelitian yang digunakan adalah kualitatif normatif-empirik untuk kemaslahatan dengan patokan maqashid syariah. Adapun hasil dari penelitian secara perbuatan hukum menurut mazhab Hanafi lebih fleksibel karena bisa wakaf benda (a’in) bergerak bisa sementara dan selamanya bahkan kepemilikan masih oleh pewakif. Kesimpulannya bahwa kepemilikan harta wakaf tidak lepas dari pemiliknya, malah dapat mengambil dan menjualnya,  artinya konsekuensi  wakaf hanya kontribusi manfaat saja. Masih menurut Imam Mazhab Hanafi cara pengekalan objek/benda wakaf seperti uang/asuransi jiwa syariah dengan cara mudharabah atau substitusi dengan barang yang kekal dengan mitigasi risiko. Wakaf asuransi adalah perencanaan lebih dahulu dengan akad janji (wa’ad) dan ditunaikan setelah sah menjadi milik peserta/waqif, artinya dengan wakaf benda  bergerak seperti asuransi jiwa tidak menunggu kaya dulu baru wakaf. Apalagi wakaf bisa untuk sementara waktu (mu’aqqad) atau selamanya (mu’abbad) tetapi manfaat untuk selamanya (mu’abbad). Melihat kondisi dunia sekarang yang dilanda krisis, dari bermacam studi literature dan penelitian lapangan (field research) meliputi wawancara dan observasi maka  peneliti menyimpulkan pandangan Imam Mazhab Hanafi cocok diterapkan.

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