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Al-Awqaf: Jurnal Wakaf dan Ekonomi Islam
Published by Badan Wakaf Indonesia
ISSN : 20850824     EISSN : 2654377x     DOI : -
Core Subject : Religion,
Religion
About Journal Al-Awqaf: Jurnal Wakaf dan Ekonomi Islam (e-ISSN: 2654-377X, p-ISSN: 2085-0824) adalah jurnal ilmiah yang diterbitkan oleh Divisi Kerja Sama, Penelitian, dan Pengembangan Badan Wakaf Indonesia. Jurnal terbit dua kali dalam setahun dalam bentuk cetak dan daring. Jurnal edisi cetak terbit sejak tahun 2008. Focus and Scope Focus: Al-Awqaf: Jurnal Wakaf dan Ekonomi Islam menerbitkan artikel-artikel konseptual dan hasil riset berkualitas baik di bidang wakaf dan ekonomi Islam. Scope: manajemen pengelolaan wakaf, manajemen organisasi pengelola wakaf, hukum wakaf, dan literasi wakaf.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 183 Documents
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Efficiency or Trust? Reforming Waqf in Indonesia Through a Tale of Two Waqf Models (Singapore and South Africa) Lusiana Handayani; Tika Widiastuti; Raditya Sukmana; Magda Ismail A. Mohsin
Al-Awqaf: Jurnal Wakaf dan Ekonomi Islam Vol. 18 No. 2 (2025): AL-AWQAF : Jurnal Wakaf dan Ekonomi Islam
Publisher : Badan Wakaf Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47411/al-awqaf.v18i2.520

Abstract

Abstract: Effective waqf governance is essential for unlocking the full socioeconomic potential of waqf institutions. This paper compares two differentgovernance models: the state-led, top-down approach in Singapore and thecommunity-based, bottom-up model in South Africa. By analyzing the strengthsand weaknesses of each, the study aims to draw lessons for Indonesia, a countrydealing with systemic governance issues. The research employs a qualitative,comparative methodology, utilizing thematic analysis facilitated by NVivosoftware to systematically code and synthesize existing findings from the threenations. The analysis reveals that Singapore's centralized model offers significantefficiency and robust oversight. Still, it also introduces regulatory rigidity that canhinder smaller institutions and raise trust issues within the community.Conversely, South Africa’s independent model has successfully created acomprehensive governance system and promoted public trust; however, it faceslogistical challenges in coordinating volunteers and managing leadershipsuccession. The findings on Indonesia point out critical weaknesses, includingpoorly developed and uncoordinated regulations, a widespread lack ofaccountability among waqf managers (nazhir), and low professional skills.Thepaper concludes that no single model is universally superior. The key implicationfor Indonesia is that reform should not focus on wholesale adoption of an externalmodel. Instead, the central recommendation is the implementation of a robustperformance measurement framework. Such a framework can serve as afoundational tool to build a hybrid model, enabling data-driven, top-downregulation while empowering bottom-up institutional improvement, therebyaddressing the nation's unique challenges.Keywords: Waqf Governance, Performance Measurement, Accountability, TopDown Governance, Bottom-Up Governance
Awqaf System for Sustainable WASH Services in Developing Countries: A Viable Alternative to Donor-Dependent Models Safia Minhaj
Al-Awqaf: Jurnal Wakaf dan Ekonomi Islam Vol. 18 No. 2 (2025): AL-AWQAF : Jurnal Wakaf dan Ekonomi Islam
Publisher : Badan Wakaf Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47411/al-awqaf.v18i2.521

Abstract

Abstract: Access to safe drinking water, adequate sewerage systems, andreliable hygiene services (WASH) infrastructure is fundamental to publichealth and socio-economic development. In many developing countries likePakistan, however, WASH services are often underfunded and heavilyreliant on external donors. Financing from the funding agencies ismounting the amount of public debt in these countries and enhancing thesize of already existing twin deficit. This paper proposes the utilization of asystem of Awqaf (Islamic endowment model) as a sustainable andcommunity-driven alternative to external loans or aid. It also explores theviability of integrating a revitalized system of Awqaf as a sustainablefinancing and governance model for WASH infrastructure. Unlike donorbased models, the Awqaf approach is rooted in local culture, encouragescommunity ownership, and can provide long-term, debt-free fundingthrough self-sustaining endowment mechanisms. The theoreticalframework of the study links financial innovation (waqf-based instrumentssuch as cash waqf, waqf sukuk, and blended waqf–PPP models) withfinancial inclusion, arguing that this connection can strengthen servicesustainability and fiscal stability. This policy research compares Awqafbased initiatives with conventional donor-funded WASH projects usingselected case studies, and assesses their performance in terms ofsustainability, equity, cost-effectiveness, and institutional resilience.Findings suggest that, with proper legal and administrative frameworks, theAwqaf model can complement or, in some contexts, substituteinternational funding while strengthening local governance structures. Thissystem could play a pivotal role in achieving sustainable development goalsrelated to water and sanitation in the Global South.Keywords: waqf, WASH, sustainable development, donor dependency.
Waqf as an Instrument for Social Security System: A Framework for Society’s Welfare Hafas Furqani; Muhammad Arifin; Khairudin; Ratna Mulyany
Al-Awqaf: Jurnal Wakaf dan Ekonomi Islam Vol. 18 No. 2 (2025): AL-AWQAF : Jurnal Wakaf dan Ekonomi Islam
Publisher : Badan Wakaf Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47411/al-awqaf.v18i2.523

Abstract

Abstract: Waqf, an enduring institution in Islamic economic thought, holdssignificant potential as an instrument for ensuring society’s welfare through asustainable social security system. This paper proposes a conceptual frameworkthat integrates waqf into contemporary social protection mechanisms, aiming toaddress poverty alleviation, income inequality, and community empowerment.Drawing from classical jurisprudence and modern institutional models, theframework outlines governance structures, operational mechanisms, and financingstrategies that align with the principles of transparency, accountability, andmaqāṣid al-sharīʿah (objectives of Islamic law). The study highlights the role ofwaqf assets in providing long-term funding for essential services such ashealthcare, education, housing, and livelihood support. It also examines thesynergy between waqf-based initiatives and governmental welfare programs toenhance resilience and reduce dependency on short-term aid. The proposed modeloffers a strategic pathway for policymakers, waqf managers, and social welfareinstitutions to revitalize waqf as a viable, equitable, and sustainable pillar of socialsecurity in the modern era.Keywords: waqf, social security, society’s welfare, Islamic economics, sustainabledevelopment
Integrated Cash Waqf-Linked Sukuk (CWLS) Models: Islamic Blended Finance Framework for Waste-to- Alternative Energy Projects in Indonesia Rindawati Maulina; Imam Nur Azis; Jaharuddin Jaharuddin
Al-Awqaf: Jurnal Wakaf dan Ekonomi Islam Vol. 19 No. 1 (2026): AL-AWQAF : Jurnal Wakaf dan Ekonomi Islam
Publisher : Badan Wakaf Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Environmental issues, especially in waste management, remain largely unresolved in many countries, including Indonesia, often due to financing constraints. However, Indonesia possesses a cash waqf-based Islamic financial instrument that could serve as a capital source for sustainable waste management projects. In this country, the integration of cash waqf with Islamic financial instruments and commercial institutions has already been developed in the form of cash waqf-linked sukuk (CWLS), although its primary objective is currently still focused on social needs. To address this research gap, this study aims to develop an integrated financing model that combines CWLS with other Islamic finance instruments. The goal is to fund waste management projects through an Islamic blended finance framework, with a specific emphasis on sustainable and alternative energy source. This study takes a qualitative approach using a document review method to serve as a preliminary step. This initial analysis guides the creation of a policy blueprint for relevant stakeholders. For future research, in-depth interviews and Focus Group Discussions (FGDs) could be used to further explore and understand the proposed model's feasibility and the readiness of all involved actors.
Developing Waqf-Based Models for Affordable Urban Housing: Solutions for Indonesia Mir’atun Nisa; Raditya Sukmana
Al-Awqaf: Jurnal Wakaf dan Ekonomi Islam Vol. 19 No. 1 (2026): AL-AWQAF : Jurnal Wakaf dan Ekonomi Islam
Publisher : Badan Wakaf Indonesia

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Abstract

Affordable housing crisis in urban areas in Indonesia has become an unresolved structural issue, particularly for low-income and socially vulnerable groups. Amidst the high market value of residential land in urban areas and the increasing dominance of foreign ownership of strategic land, waqf, as an Islamic financial instrument and social asset, offers a relevant and equitable alternative approach. This research explores the potential for optimizing waqf land, which has been underutilized productively, to develop it as a model for providing housing in urban areas. The model proposed in this research utilizes a waqf-based vertical housing development scheme with feasible financing sources such as CWLS, social grants, to CSR. Residents are also provided with a series of social development and economic empowerment programs supported by other social instruments such as Zakat (if eligible), Infaq, and Sadaqah (charity), so that housing becomes a space for growth, not just a place to live. Using qualitative methods through literature reviews and in-depth interviews with relevant experts, the findings of this study emphasize the importance of a vertical approach in maximizing the efficiency of urban waqf land, while simultaneously addressing the urgency of providing inclusive and sustainable housing. Successful practices of vertical housing in various countries are also included, challenging full private ownership as a necessary condition for residential stability. Furthermore, various determining factors for the success of this model, including location, management, ownership structure, and multi-stakeholder involvement in its management, are also explained as considerations for its implementation.
Factors Affecting the Decision to Participate in Cash Waqf Linked Blue Sukuk (CWLBS) Lu’liyatul Mutmainah; Yan Putra Timur; Muhammad Hanif Ibrahim; Nur Arifah
Al-Awqaf: Jurnal Wakaf dan Ekonomi Islam Vol. 19 No. 1 (2026): AL-AWQAF : Jurnal Wakaf dan Ekonomi Islam
Publisher : Badan Wakaf Indonesia

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Abstract

The establishment of Cash Waqf Linked Sukuk (CWLS) by the Indonesian government marked the beginning of the integration of social and commercial Islamic finance. The purpose of this study is to examine the factors that influence the public to participate in proposed financial innovations with the Cash Waqf Linked Blue Sukuk (CWLBS) scheme. The Technology of Acceptance Model (TAM) technique was adapted for this study with some additional variables. An online questionnaire was used in this study with 230 respondents and Partial Least Square-Structural Equation Modeling (PLS-SEM) was used to examine the data. This study provides examples of the step-by-step robustness phases in split-sample, effect size, and partial least square approach. This study suggests that behavioral intention (BI) in contributing to CWLBS is significantly influenced by environmental awareness (EA), trust (TR), and religiosity (RLG). However, Perceived ease of use (PEOU) and perceived usefulness (PU) has no significant influence to BI. Additionally, trust was successful in mediating the PEOU and PU relationship with BI. Furthermore, religiosity was successful in moderating PU on BI. However, it was not successful in moderating PEOU on BI. This result emphasizes that financial technology helps waqf contributors gain access and take part in this program if it is supported by trust to the waqf institution. Islamic financial innovation with environmental concerns still needs to be elaborated to give a more significant impact. This research is one of the initial studies to analyze the factors influencing people to participate in the integration of cash waqf and Blue Sukuk as innovative financing that supports Sustainable Development Goals Number 14 that is life below water.
Social Impact Waqf: Integrating Islamic Philanthropy with Halal Entrepreneurship Ecosystem Harjoni Desky; Della Octavia Indana
Al-Awqaf: Jurnal Wakaf dan Ekonomi Islam Vol. 19 No. 1 (2026): AL-AWQAF : Jurnal Wakaf dan Ekonomi Islam
Publisher : Badan Wakaf Indonesia

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Abstract

This article explores the integration of social impact waqf into the halal entrepreneurship ecosystem as a model for inclusive and sustainable Islamic economic empowerment. Using a qualitative and conceptual approach, the study reviews relevant literature, policy frameworks, and best practices to understand how productive waqf can support value-based halal businesses. Findings indicate that when managed professionally, waqf has the potential to act as Islamic venture capital—providing not only funding but also infrastructure, training, and capacity building for halalpreneurs. In Indonesia and Malaysia, several initiatives have successfully linked waqf funds with halal business incubators, community cooperatives, and agricultural enterprises, demonstrating its practical viability. However, challenges persist, such as low public literacy, limited digital integration, and the lack of synergy between waqf institutions, government agencies, and the halal industry. The paper concludes that aligning Islamic philanthropy with entrepreneurship serves both spiritual and socio-economic goals. It enhances financial inclusion, reduces poverty, and strengthens Muslim middle-class resilience, while also contributing to the achievement of SDGs. Therefore, a structured, transparent, and digitally-enabled waqf model is recommended to build trust and maximize impact. This study offers a new paradigm for Islamic economic development—where religious values and modern business strategies converge to produce ethical, community-based growth.
The Impact of Waqf Core Principles on Enhancing Waqf Asset Collection and Safeguarding Strategies Raji Reza Ilahi; Dede Haris Sumarno; Kartini Kartini
Al-Awqaf: Jurnal Wakaf dan Ekonomi Islam Vol. 19 No. 1 (2026): AL-AWQAF : Jurnal Wakaf dan Ekonomi Islam
Publisher : Badan Wakaf Indonesia

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Abstract

This study examines the influence of governance based on Waqf Core Principles (WCP) on improving waqf fundraising strategies and safeguarding waqf assets. Despite Indonesia’s significant waqf potential, weak governance, limited accountability, and inadequate asset protection continue to undermine public trust and fundraising performance. Employing a qualitative normative approach, this study analyzes regulatory frameworks, scholarly literature, and WCP as an international governance standard for waqf institutions. The findings reveal that WCP-based governance enhances institutional credibility, strengthens public trust, improves strategic fundraising, and reinforces legal and managerial protection of waqf assets. This study concludes that WCP constitutes a strategic governance instrument for sustainable waqf management and recommends its institutionalization within national waqf governance policies.
Revitalizing the Classical Waqf Model for Contemporary Higher Education: Lessons from Fatimah al-Fihri, Morocco Sulistyowati Sulistyowati; Holifurrahman Holifurrahman; Ahmad Zubaidi
Al-Awqaf: Jurnal Wakaf dan Ekonomi Islam Vol. 19 No. 1 (2026): AL-AWQAF : Jurnal Wakaf dan Ekonomi Islam
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Abstract

Waqf has historically played a pivotal role in the development of education in the Muslim world. This study revisits the classical model of educational waqf through the legacy of Fatimah al-Fihri, the founder of Al-Qarawiyyin University in 859 CE in Fez, Morocco.— widely recognized as the world’s first higher learning institution funded entirely through waqf. Using a descriptive qualitative approach, the research analyzes historical texts, institutional records, and classical Islamic legal sources to trace how educational waqf emerged as a sustainable model for intellectual development, social mobility, and knowledge dissemination. The study finds that the classical waqf model was deeply integrated into the structure of Muslim societies, enabling the establishment of universities, libraries, teacher salaries, and student support systems — independent from state control. The novelty of this research lies in its critical reflection on how these early models can inform contemporary practices in revitalizing waqf-based educational systems, particularly in Muslim-majority countries like Indonesia. By extracting institutional design principles from the classical period — such as autonomy, community involvement, and long-term vision — this study proposes a framework for reimagining educational endowments as strategic tools for national development. The findings suggest that reviving the classical spirit of waqf is not merely about preserving heritage, but about transforming education into a self-sustaining, inclusive, and faith-driven system. This research contributes to ongoing debates on Islamic philanthropy, higher education reform, and the role of religious endowments in modern socio-economic development.
Digital Transformation in Waqf and Hajj Fund Management: Sharia Compliance and Efficiency in 2025 Muhammad Permadi; Atin Risnawati
Al-Awqaf: Jurnal Wakaf dan Ekonomi Islam Vol. 19 No. 1 (2026): AL-AWQAF : Jurnal Wakaf dan Ekonomi Islam
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Abstract

Digital transformation of Islamic financial institutions has become a major factor in making it easier to manage waqf and hajj funds, especially when it comes to following Sharia law and running things more smoothly. This study looks at how digital technologies could be used in 2025 to improve the governance, collection, distribution, and investment of waqf and hajj funds. The research shows how blockchain, artificial intelligence, and mobile fintech platforms can make things more open, easier to follow, and more accountable. It does this by looking at regulatory frameworks, case studies of institutions, and new technologies. It looks at how well these digital tools fit with Sharia principles to make sure that religious duties are met without lowering efficiency or public trust. The results show that digital transformation not only makes managing funds easier, but it also opens up more opportunities for beneficiaries and donors, lowers administrative costs, and promotes long-term economic and social growth. The study also talks about possible problems that need to be fixed to get the best results. These include cybersecurity risks, regulatory gaps, and barriers to digital literacy. The results show that the best way for waqf and hajj fund institutions to move forward is to use a hybrid model that combines traditional governance values ​​with cutting-edge technology. Digital transformation can make Islamic finance more effective at reaching both spiritual and social goals by encouraging innovation while protecting religious integrity. This makes waqf and hajj funds strong, clear, and useful financial tools in the modern world.

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