Optimasi Pembiayaan Haji Di Indonesia: Peran  Kontrak Wakalah

Taqiya Zahrowaini; Nurganti Nurganti; Marliyah Marliyah; Halimatussakdiyah Halimatussakdiyah

doi:10.53958/mt.v5i3.514

Taqiya Zahrowaini Universitas Islam Negeri Sumatera Utara
Nurganti Nurganti Universitas Islam Negeri Sumatera Utara
Marliyah Marliyah Universitas Islam Negeri Sumatera Utara
Halimatussakdiyah Halimatussakdiyah Universitas Islam Negeri Sumatera Utara

DOI: https://doi.org/10.53958/mt.v5i3.514

Keywords: Wakalah, Ownership of beneficial values, Hajj fund management, Law, Sharia

Abstract

The increase in Hajj registrants in Indonesia has led to the need for efficient and transparent management of Hajj funds. State regulations and Sharia principles must be adhered to when using Wakalah contracts for efficient management of Hajj funds. The aim of this research is to clarify the legal framework surrounding the Wakalah contract so that its implementation is more effective and optimizes the management of Hajj funds both in the context of sharia and state law. This research uses a normative juridical method, namely data is analyzed and processed systematically, logically and critically, using a normative approach and based on regulations, doctrine, legal principles and other relevant supplementary materials. Based on these findings, data was analyzed and a strong legal framework and sharia principles can maximize benefits for Hajj pilgrims and encourage cost-effective management of funds. Collaboration between Islamic banking institutions and Hajj regulators can also help overcome existing challenges. This research offers a deeper understanding of the benefits of ownership, Wakalah principles, as well as relevant legal and Sharia aspects, thanks to its careful methodological approach. Its unique contribution lies in its focus on beneficial ownership, a comprehensive examination of legal and sharia considerations, and the development of a practical framework for improving Hajj financial management in Indonesia.

References

Al Rahahleh, N., & Bhatti, M. I. (2022). Empirical comparison of Shariah-compliant and conventional equity investments. Journal of Islamic Accounting and Business Research, 13(1), 1–23.
Badan Pengelola Keuangan Haji (BPKH). (2018). Annual Report 2018: Meraih Kepercayaan Umat. Indonesia.
Deananda, A. Z., & Wirdyaningsih. (2019). Alternative optimization of Hajj fund using Sharia shares. In 1st International Conference on Law (pp. 1–10).
Djamil, A. (2015). Implementasi UU No. 34 tahun 2014 tentang pengelolaan keuangan Haji dalam pembentukan BPKH. In Disampaikan pada: Diskusi Publik Fraksi Partai Kebangkitan Bangsa “Menuju Akuntabilitas Pengelolaan Dana Haji” (pp. 1–14).
Dewan Syariah Nasional-Majelis Ulama Indonesia (DSN-MUI). (2018). Fatwa No: 122/DSN-MUI/II/2018 tentang Pengelolaan Dana BPIH dan BPIH Khusus Berdasarkan Prinsip Syariah.
Felemban, E. A., Rehman, F. U., Biabani, S. A. A., Ahmad, A., Naseer, A., Majid, A. R. M. A., ... Zanjir, F. (2020). Digital revolution for Hajj. Journal of Islamic Marketing, 11(1), 123–145.
Ibrahim, A. (2023). Metodologi Penelitian Ekonomi dan Bisnis Islam. Jakarta: Bumi Aksara.
Jumena, J., Bustomi, I., & Fatimah, S. (2018). Hak jamaah Haji atas hasil pengelolaan setoran awal biaya penyelenggaraan ibadah Haji. Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Islam, 3(2), 237–253.
Jumali, E. (2018). Management of Hajj funds in Indonesia. Journal of Legal, Ethical and Regulatory Issues, 21(3), 1–9.
Kurniadi, D., Wiwoho, J., & Asrori, H. (2019). Hajj fund management in perspective of the financial theory and Fiqh. In 3rd International Conference on Globalization of Law and Local Wisdom (ICGLOW 2019) (pp. 1–10).
Witjaksono, B., Gunawan, I., Anggraini, E., Harto, P. P., Wibowo, H., & Suprapto, E. (2020). Apa dan bagaimana investasi keuangan Haji BPKH. BPKH (2nd ed.). Jakarta: E-Book BPKH. Retrieved from https://bpkh.go.id
Zakiruddin, M. A. (2021). Dynamics of Hajj financial management regulation in efforts to good governance. Jurnal Ilmiah Mizani: Wacana Hukum dan Sosial, 8(1), 1–20.
Kurniawan, E. (2021). Akuntabilitas pengelolaan dana Haji Republik Indonesia. Jurnal Ilmiah Ekonomi Islam, 7(3), 100–115.
Maulana, M. R., & Mawadah, S. (2023). Management of Hajj funds in Sukuk investment from an Islamic economic perspective. Journal of Islamic Economics, 9(2), 101–110.
Mubarak, M. A., & Fuhaidah, U. (2018). Manajemen pengelolaan dana Haji Republik Indonesia (Studi kolaborasi antar lembaga BPKH, Kemenag dan mitra keuangan dalam pengelolaan dana Haji). Jurnal Manajemen Haji, 5(1), 45–60.
Hulwati, H., Mujiono, S., Andespa, R., & Fadhlan, A. (2023). Unveiling the benefits of Hajj funds investment in Indonesia. Journal of Islamic Finance, 12(2), 50–63.
Muthiah, A. (2022). Pertanggungjawaban hukum pada pengelolaan dana Haji untuk investasi infrastruktur. Al-Adl: Jurnal Hukum, 14(1), 65–85.
Nasution, N., & Faruqi, F. (2019). The rough way to management Hajj fund (BPKH) implementing governance of Hajj fund. In 5th Annual International Conference on Accounting Research (AICAR 2018) (Vol. 5, pp. 1–10).
Nursanita, Ludigdo, U., Irianto, G., & Baridwan, Z. (2019). Ta’awun pattern of governance of Hajj funds. The International Journal of Accounting and Business Society, 27(2), 47–53.
Ramadhan, F. (2018). Membangun kepercayaan publik terhadap Badan Pengelola Keuangan Haji melalui sinergi dan good public governance. In Bidang Perencanaan dan Pengembangan Badan Pengelolaan Keuangan Haji 2018 (pp. 1–23). Indonesia.
Witjaksono, B. (2017). Investasi dana Haji. Seksi Informasi Hukum, Ditama Binbangkum, Tim JDIH.