Volume V: Economy, Politics, and Environmental Governance

Berkah Tanpa Mewah: Revitalisasi Wakaf ASEAN Melalui Sinergi Anti-Israf dan Akhlak Ekonomi

  • Asep Hasan Sulaeman UIN Sunan Gunung Djati Bandung, Indonesia

Keywords

Revitalisasi Wakaf, Anti-Israf, Akhlak Ekonomi, Sinergi ISF-ICF, Waqf Core Principles.

Abstract

Di tengah dominasi kapitalisme modern, wakaf sering terpinggirkan sebagai filantropi statis. Penelitian ini mengeksplorasi revitalisasi wakaf ASEAN melalui integrasi prinsip anti-israf dan akhlak ekonomi. Menggunakan studi literatur komparatif-kritis terhadap 49 sumber, analisis menguji validitas klaim normatif bahwa kesadaran anti-israf otomatis bermigrasi menjadi likuiditas wakaf uang di era digital. Temuan menunjukkan sinergi ISF-ICF krusial, namun rentan moral hazard tanpa mitigasi risiko sistemik. Keberhasilan transformasi bergantung pada tata kelola berbasis WCP, sertifikasi nazhir wajib, pelaporan ISR, dan verifikasi blockchain-audit syariah independen. Rekomendasi strategis mencakup pengujian empiris perilaku konsumen digital, pengembangan Waqf Productivity Index, serta pembentukan ASEAN Waqf Innovation Lab. Internalisasi akhlak ekonomi yang adaptif terhadap gempuran algoritma konsumerisme dapat mentransformasi wakaf menjadi motor ekonomi inklusif-resilien yang berkontribusi nyata pada SDGs regional, sekaligus merevolusi mentalitas umat dalam memandang harta sebagai amanah transformatif, bukan aset akumulatif semata.

References

  1. Alam, A., Nizam, R. S., & Hidayat, M. T. (2021). The Role of Islamic Microfinance Institutions in Empowering Indonesian Fishing Communities. Universal Journal of Accounting and Finance, 9(2), 178–183. https://doi.org/10.13189/UJAF.2021.090205
  2. Andriansyah, Y., Atmaja, F. F., Lana, R. I., Azmi, G. N., & Mešković, A. (2025). Ethical Governance, Fiscal Discipline, and Sustainable Financial Practices in Islamic Economics. Journal of Islamic Economics Lariba, 11(1), 645-666. https://doi.org/10.20885/jielariba.vol11.iss1.art25
  3. Annisa, D. D., et al. (2024). Teori Permintaan Dalam Ekonomi Islam: Prinsip, Konsep, Dan Implementasi [Demand Theory in Islamic Economics: Principles, Concepts, and Implementation]. MJRS: Millah Journal of Religious Studies.
  4. Aprullah, M. P. (2025). Islamic Social Finance for Inclusive Development. 3rd Aiszawa (Aceh International Seminar on Zakat and Waqf) 2025.
  5. Arief, S., Hasbullah, N. A. B., Wibisono, V. F., Nurfattah, A., & Nurmayunita. (2023). Analysing The Effectiveness of Stock Waqf Management in Indonesia and Malaysia: Regulation Practices and Nadzir Readiness. IOP Conference Series: Earth and Environmental Science. https://doi.org/10.2991/978-94-6463-346-7_17
  6. Arum, H. S., & Mawardi. (2025). Waste and Overconsumption in Modern Finance: An Analysis of QS. Al-Isra: 26-27 [Sampah dan Konsumsi Berlebihan dalam Keuangan Modern: Analisis QS. Al-Isra: 26-27]. Al-Muzdahir: Jurnal Ekonomi Syariah, 7(1), 30-50. https://doi.org/10.55352/ekis
  7. Assaidi, S. (2024). Outfit between Needs and Requirements of Times: Maqashidi Analysis of Al-A’raf:31. TSAQAFAH, 20(1). https://doi.org/10.21111/tsaqafah.v20i1.10707
  8. Azzuhri, A., & Fadhil, H. M. (2022). Reimagining Economic Wellbeing and Justice: The Wasaṭiyya Framework in Islamic Economics. Economica: Jurnal Ekonomi Islam, 13(2). https://doi.org/10.21580/economica.2022.13.2.14139
  9. Cahyono, I. A., Azizah, A., Nirwana, A., & Fuadi. (2024). Resilience to Calamity in Qur'anic Perspective. AL-AFKAR: Journal for Islamic Studies, 7(2), 975–993. https://doi.org/10.31943/afkarjournal.v7i2.1035
  10. Chapra, M. U. (2000). The Future of Economics: An Islamic Perspective. Islamic Foundation.
  11. Dahlan, A. (2024). Pengantar Ekonomi Islam: Kajian Teologis, Epistemologis, dan Empiris [Introduction to Islamic Economics: Theological, Epistemological, and Empirical Studies]. Prananda Media Group.
  12. Diman, H., Nada, S., Hakim, A., Arobi, A., & Madzkur, Z. A. (2026). A Systematic Literature Review on Qur’anic Verses Concerning Islamic Economics and Religious Moderation in Contemporary Tafsir Scholarship. Journal of Educational Analytics (JEDA), 5(1), 45-60. https://doi.org/10.55927/jeda.v5i1.606
  13. Fachrurrazy, M., Siliwadi, D. N., & Herlina, N. (2022). Potential for Digital-Based Productive Waqf Development in Palopo City. AL-FALAH: Journal of Islamic Economics, 7(1), 141. https://doi.org/10.29240/alfalah.v7i1.3840
  14. Fatimah, S., & Putri, O. M. P. (2023). Flexing: Fenomena Perilaku Konsumen dalam Perspektif Islam [Flexing: Consumer Behavior Phenomenon in Islamic Perspective]. Jurnal Ilmiah Ekonomi Islam, 9(1), 1204–1212. http://dx.doi.org/10.29040/jiei.v9i1.6824
  15. Febriana, A., et al. (2023). Perbandingan Pengelolaan Wakaf Di Indonesia Dan Brunei Darussalam [Comparison of Waqf Management in Indonesia and Brunei Darussalam]. JIMPA: Jurnal Ilmiah Mahasiswa Pendidikan Agama Islam.
  16. Fuadi, Zulkarnain, Boihaqi, & Ibrahim, M. S. R. (2024). Israf and Tabzir in Tafsir Al-Misbah: Implications for Consumption in Aceh [Israf dan Tabzir dalam Tafsir Al-Misbah: Implikasinya terhadap Konsumsi di Aceh]. Tafse: Journal of Qur’anic Studies, 9(2), 189-202. https://doi.org/10.22373/tafse.v9i2.28851
  17. Hadi, M., Rum, J., Maguni, W., & Radiamoda, A. M. (2025). Toward a Holistic Legal Framework for Effective Waqf Implementation: Integrating Islamic Socio-Economic Models. Volksgeist: Jurnal Ilmu Hukum dan Konstitusi, 8(1).
  18. Hamdi, B. (2022). Prinsip Dan Etika Konsumsi Islam (Tinjauan Maqashid Syariah) [Principles and Ethics of Islamic Consumption (Maqashid Sharia Review)]. Islamadina: Jurnal Pemikiran Islam, 23(1), 1. https://doi.org/10.30595/islamadina.v23i1.10821
  19. Hosen, M. N., et al. (2022). Evaluating the Fundraising Process of the World’s First Cash Waqf-Linked Sukuk in Indonesia. Qijis: Qudus International Journal of Islamic Studies, 10, 175.
  20. Ifham, D. H., Yuslem, N., & Zein, A. (2025). Wakaf dalam Perspektif Tafsir Al-Qur’an dan Hadis Ahkam [Waqf in the Perspective of Al-Qur'an Interpretation and Ahkam Hadith]. IRSYADUNA: Jurnal Studi Kemahasiswaan, 5(3), 671-680. https://doi.org/10.54437/irsyaduna
  21. Ilmi, M. (2017). Teori dan Praktik Lembaga Mikro Keuangan Syariah [Theory and Practice of Sharia Microfinance Institutions]. UII Press.
  22. Izzun Nisa’, Y., Khusnudin, & Abdani, F. (2025). Ethics in Islamic Markets: Exploring Their History and Impact on Islamic Civilization. AL-AFKAR: Journal for Islamic Studies, 8(4), 1687–1695. https://doi.org/10.31943/afkarjournal.v8i4.1825
  23. Jihadi, M., Vilantika, E., Widagdo, B., Sholichah, F., & Bachtiar, Y. (2021). Islamic Social Reporting on Value of the Firm: Evidence from Indonesia Sharia Stock Index. Cogent Business and Management, 8(1). https://doi.org/10.1080/23311975.2021.1920116
  24. Junaidi, J., Wicaksono, R., & Hamka, H. (2022). The Consumers’ Commitment and Materialism on Islamic Banking: The Role of Religiosity. Journal of Islamic Marketing, 13(8), 1786–1806. https://doi.org/10.1108/JIMA-12-2020-0378
  25. Kaira, L., et al. (2024). Uncovering Maqoshid Sharia: Safeguarding Ethics in Islamic Economics. Jounal International Economic Sharia (JIES), 1(1), 17-24.
  26. Kiani, M. (2018). A Comparative Analysis of Concepts ‘Consumerism’, ‘Israf’ and ‘Tabzir’ in Conventional and Islamic Economics. NCHI: National Conference on Humanities and Interdisciplinary Studies.
  27. Laluddin, H., Haneef, S. S. S., Mohammad, M. T. S. H., & Rahman, M. P. (2021). Revisiting the Concept of Waqf. International Journal of Islamic Thought (IJIT), 20. https://doi.org/10.24035/ijit.20.2021.210
  28. Lamido, A. A., & Haneef, M. A. (2021). Shifting the Paradigms in Waqf Economics: Towards Renewed Focus on Socioeconomic Development. Islamic Economic Studies, 29(1), 18-32. https://doi.org/10.1108/IES-04-2021-0014
  29. Lenap, I. P., Karim, N. K., & Sasanti, E. E. (2023). Implementasi Shariah Governance Berbasis Waqf Core Principles [Implementation of Shariah Governance Based on Waqf Core Principles]. Jurnal Aplikasi Akuntansi (JAA), 7(2), 205–17. https://doi.org/10.29303/jaa.v7i2.193
  30. Maree, J. G. (2015). Poverty and Life Design. In Handbook of Life Design: From Practice to Theory and From Theory to Practice. Hogrefe Publishing.
  31. Maryani, et al. (2023). Development of Artificial Intelligence and Waqf Law in Jambi. JHI: Jurnal Hukum Islam, 21(1), 159-180.
  32. Mayring, P. (2014). Qualitative Content Analysis. SAGE Open, 4. https://doi.org/10.1177/2158244014522633
  33. Melzatia, S., Mahroji, Setiono, K. Y., & Daryanto, E. (2025). Digitalisation of Islamic Economy and Maqasid Sharia for Social Resilience and Welfare. Jurnal Lemhannas RI, 13(1), 89-102. https://doi.org/10.55960/jlri.v13i1.115
  34. Mountford, S. (2019). Mental Health at Work Website Evaluation-Analysis of Survey. NAMH: Mind.
  35. Muchtar, N. A. H., Samsul, & Kamaruddin. (2024). Al-Ghazali’s Perspective on Money. Istiblak, 1(1).
  36. Muhammad, A. A., Aliyu, S. A., Shariff, I. A., & Dalhatu, R. S. (2025). Moral Economy and Islamic Ethics: Re-examining Waqf in the Context of Modern Capitalism. Perwakilan: Journal of Good Governance, Diplomacy, Customary Institutionalization and Social Networks, 3, 179-190. https://doi.org/10.58764/j.prwkl.2025.3.135
  37. Ningrum, D. P. S., Vebriyanti, V., Hasanah, S. A. H., & Mashudi. (2025). Peran Kebijakan Ekonomi Islam Dalam Membangun Kesejahteraan Berkelanjutan [The Role of Islamic Economic Policy in Building Sustainable Welfare]. Al-Abqori: Journal of Islamic Thought Studies, 1(1), 50–57. https://doi.org/10.61166/abqori.v1i1.2
  38. Noor, K., & Ayaz, H. (2025). Exploring Israf and Idhah’ah Beyond Wealth: Overspending in Daily Conversations. SSHRR.
  39. Nurdiana, Muin, R., & Wahab, A. (2025). Fundamental Principles of Islamic Economic System: Justice, Equity, and Moral Conduct. FJMR: Formosa Journal of Multidisciplinary Research, 4(6), 2627-2646. https://doi.org/10.55927/fjmr.v4i6.271
  40. Oktafia, R., Iriani, R., & Rochimin, R. A. P. (2023). Islamic Public Finance and Fiscal Policy. Journal of Sharia Economics, 5(2), 1-18.
  41. Qurrata, V. A., et al. (2019). Productive Waqf in Malang Islamic Hospital. HSSR: Humanities & Social Sciences Reviews, 7(5), 533.
  42. Rosyalita, D., Andhika, H., Juniartinur, I., Basir, A., & Srisusilawati, P. (2026). Al-Ghazali’s Ethical Business Relevance. Sosioedukasi: Jurnal Ilmiah Ilmu Pendidikan dan Sosial, 15(1), 35-42.
  43. Salsabilla, D. I., & Fahrina, A. (2025). Paradox of Consumption in Islamic Economics. UIN.
  44. Satar, A. (2023). Sustainable Islamic Business Framework [Go Green Sebagai Pilar Peradaban Bisnis Islam]. Tesis PTIQ.
  45. Shovkhalov, S. (2024). Islamic Principles for Green Economy. E3S Web of Conferences, 541. https://doi.org/10.1051/e3sconf/202454104009
  46. Sujarwadi, E. T., Tanjung, H., Huda, N., & Saptono, I. T. (2025). Ethical Governance in Cash Waqf: A Systematic Review. Petita: Jurnal Kajian Ilmu Hukum dan Syariah, 10(2), 705. https://doi.org/10.22373/petita.v10i2.905
  47. Sukmana, R. (2020). Critical Assessment of Islamic Endowment Funds (Waqf) Literature. Heliyon, 6(e05074). https://doi.org/10.1016/j.heliyon.2020.e05074
  48. Sumpena, M., & Hikmah, N. (2025). Wealth Distribution in Islamic Economic Law. Tawazun: Journal of Sharia Economic Law, 8(2), 283.
  49. Syamsuri, Dena, P. S., Sa’adah, Y., & Johari, F. B. (2024). New Waqf Paradigm: Integration of ICF and ISF. Iqtishadia: Jurnal Ekonomi dan Perbankan Syariah, 11(1), 31.
  50. Townsend, P. (2014). International Analysis Poverty. Routledge.
  51. Wargadinata, W. (2011). Islam dan Pengentasan Kemiskinan [Islam and Poverty Alleviation]. UIN-Maliki Press.
  52. Yafiz, M., Tarigan, A. A., Saharuddin, D., & Islamil, I. (2025). Localizing Islamic Economics in Minangkabau. Jurnal Ilmiah Peuradeun (JIP), 13(3), 1643-1668. https://doi.org/10.26811/peuradeun.v13i3.2022
  53. Yumarni, A., Suhartini, E., & Mulyadi. (2019). Optimizing the Role of Nazhir. JISC: Journal of Islamic Studies and Culture, 7(2), 4–11. https://doi.org/10.15640/jisc.v7n2a2
  54. Yusuf, J. A., et al. (2025). SDGs and Islamic Economic Principles. JIEFeS: Journal of Islamic Economics and Finance Studies, 6(1), 171-186. http://dx.doi.org/10.47700/jiefes.v6i1.10373
  55. Zuhayli, W. (1999). Usul al-Fiqh al-Islami [Principles of Islamic Jurisprudence]. Dar al-Fikr.
Scroll to Top