TINJAUAN FIKIH MUAMALAH TERHADAP WAKAF UANG SEBAGAI MODAL PENDANAAN PERUSAHAAN RINTISAN DIGITAL
Abstract
In the era of the digital revolution, cash waqf and digital startups have great potential in Indonesia. Cash waqf is thought to be alternative funding for digital startups. However, this alternative solution does not yet have legal certainty, especially regarding sharia compliance. Cash waqf must be preserved for its immortality and usefulness, while digital startups have a high risk of failure. This practice is also a new form of innovation and has not yet been found in sharia economic inclusion. So a study is needed on this matter, especially from the perspective of fiqh muamalah. This study aims to analyze the mechanism and review of fiqh muamalah on cash waqf as funding capital for digital startups. The research method used in this study is a qualitative research method. Qualitative data sources are obtained from library research with normative legal studies data analysis techniques which are described descriptively. The results of the study show that: First, the mechanism for using cash waqf as an alternative capital for digital startups can be done by nazir cash waqf collecting cash waqf funds through LKS-PWU with waqf crowdfunding system from wakif. Nazir cash waqf is then obliged to manage cash waqf funds as well as possible, including by investing cash waqf funds in startup companies directly and with indirect investments, namely in collaboration with LKMS/KSPPS. Then the profit sharing is divided according to the ratio of equity participation. Second, the analysis of the fiqh muamalah review shows that the use of cash waqf funds as funding capital for digital startup companies is legal (permitted) on the condition that the cash waqf nazir must conduct business analysis and investment feasibility and mitigate losses before investing. The mechanism must be implemented by fulfilling all the provisions of the pillars and conditions related to cash waqf and perfecting the contracts formed in the mechanism in accordance with existing regulations.
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