Abstract
Sharia non bank financial industry (IKNB) still low share of the conventional IKNB. The one of strategy to accelerating growth in sharia IKNB is through the management of zakah, infaq, sadaqah and awqaf (ZISWAF). This paper aims to explore the zakah management model for the growth of sharia IKNB. The secondary data were obtained through reports, information and zakat regulation. The analytical method used is descriptive and transaction cost approach. The results show that the growth of IKNBS can be accelerated with an active role of IKNBS in the ZISWAF management as a Unit Pengumpul Zakah (UPZ), besides partnership with Lembaga Amil Zakah (LAZ ). Partnership Model will minimize control and information cost of ZISWAF management. Lack of human resource and technological are the problems management zakah by sharia IKNB.
Highlights
Industri keuangan memiliki peran yang penting dalam transaksi ekonomi dan non ekonomi
This paper aims to explore the zakah management model for the growth of sharia industri keuangan non bank (IKNB)
The results show that the growth of IKNBS can be accelerated with an active role of IKNBS in the ZISWAF management as a Unit Pengumpul Zakah (UPZ), besides partnership with Lembaga Amil Zakah (LAZ )
Summary
Industri keuangan memiliki peran yang penting dalam transaksi ekonomi dan non ekonomi. Adapun komposisi IKNB syariah disajikan sebagaimana Tabel 1 yang menunjukkan bahwa perusahaaan asuransi merupakan pemilik share terbesar dalam industri keuangan non bank syariah, baik dari aspek jumlah perusahaan maupun aset; disusul oleh perusahaan pembiayaan. Salah satu potensi terbesar dalam pengelolaan keuangan syariah yaitu dana zakat, termasuk infaq, sedekah dan waqaf (ZISWAF). Jaringan pengelolaan ZISWAF yang ada masih ‘kering’ dari keterlibatan industri keuangan non bank syariah. Berdasarkan hal tersebut, maka diperlukan suatu kajian mengenai model-model jaringan pengelolaan ZISWAF untuk pertumbuhan industri keuangan non bank syariah. Tulisan ini mengkaji model jaringan pengelolaan ZISWAF dengan pendekatan biaya transaksi, baik biaya informasi, pengawasan maupun biaya lainnya untuk mendorong partumbuhan IKNBS di Indonesia
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