{\rtf1\adeflang1025\ansi\ansicpg1252\uc1\adeff0\deff0\stshfdbch0\stshfloch31506\stshfhich31506\stshfbi31506\deflang1033\deflangfe1033\themelang1033\themelangfe0\themelangcs1025{\fonttbl{\f0\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman{\*\falt Times New Roman};}
{\f2\fbidi \fmodern\fcharset0\fprq1{\*\panose 02070309020205020404}Courier New;}{\f13\fbidi \fnil\fcharset134\fprq2{\*\panose 02010600030101010101}SimSun{\*\falt ????\'a8\'ac??};}
{\f34\fbidi \froman\fcharset0\fprq2{\*\panose 02040503050406030204}Cambria Math;}{\f36\fbidi \froman\fcharset0\fprq2{\*\panose 02040503050406030204}Cambria;}{\f37\fbidi \fswiss\fcharset0\fprq2{\*\panose 020f0502020204030204}Calibri;}
{\f38\fbidi \fswiss\fcharset0\fprq2{\*\panose 020b0604030504040204}Tahoma;}{\f128\fbidi \fnil\fcharset134\fprq2{\*\panose 02010600030101010101}@SimSun;}
{\flomajor\f31500\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman{\*\falt Times New Roman};}{\fdbmajor\f31501\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman{\*\falt Times New Roman};}
{\fhimajor\f31502\fbidi \froman\fcharset0\fprq2{\*\panose 02040503050406030204}Cambria;}{\fbimajor\f31503\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman{\*\falt Times New Roman};}
{\flominor\f31504\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman{\*\falt Times New Roman};}{\fdbminor\f31505\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman{\*\falt Times New Roman};}
{\fhiminor\f31506\fbidi \fswiss\fcharset0\fprq2{\*\panose 020f0502020204030204}Calibri;}{\fbiminor\f31507\fbidi \fswiss\fcharset0\fprq2{\*\panose 020b0604020202020204}Arial;}
{\f285\fbidi \froman\fcharset238\fprq2 Times New Roman CE{\*\falt Times New Roman};}{\f286\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr{\*\falt Times New Roman};}
{\f288\fbidi \froman\fcharset161\fprq2 Times New Roman Greek{\*\falt Times New Roman};}{\f289\fbidi \froman\fcharset162\fprq2 Times New Roman Tur{\*\falt Times New Roman};}
{\f290\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew){\*\falt Times New Roman};}{\f291\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic){\*\falt Times New Roman};}
{\f292\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic{\*\falt Times New Roman};}{\f293\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese){\*\falt Times New Roman};}{\f305\fbidi \fmodern\fcharset238\fprq1 Courier New CE;}
{\f306\fbidi \fmodern\fcharset204\fprq1 Courier New Cyr;}{\f308\fbidi \fmodern\fcharset161\fprq1 Courier New Greek;}{\f309\fbidi \fmodern\fcharset162\fprq1 Courier New Tur;}{\f310\fbidi \fmodern\fcharset177\fprq1 Courier New (Hebrew);}
{\f311\fbidi \fmodern\fcharset178\fprq1 Courier New (Arabic);}{\f312\fbidi \fmodern\fcharset186\fprq1 Courier New Baltic;}{\f313\fbidi \fmodern\fcharset163\fprq1 Courier New (Vietnamese);}
{\f417\fbidi \fnil\fcharset0\fprq2 SimSun Western{\*\falt ????\'a8\'ac??};}{\f625\fbidi \froman\fcharset238\fprq2 Cambria Math CE;}{\f626\fbidi \froman\fcharset204\fprq2 Cambria Math Cyr;}{\f628\fbidi \froman\fcharset161\fprq2 Cambria Math Greek;}
{\f629\fbidi \froman\fcharset162\fprq2 Cambria Math Tur;}{\f632\fbidi \froman\fcharset186\fprq2 Cambria Math Baltic;}{\f633\fbidi \froman\fcharset163\fprq2 Cambria Math (Vietnamese);}{\f645\fbidi \froman\fcharset238\fprq2 Cambria CE;}
{\f646\fbidi \froman\fcharset204\fprq2 Cambria Cyr;}{\f648\fbidi \froman\fcharset161\fprq2 Cambria Greek;}{\f649\fbidi \froman\fcharset162\fprq2 Cambria Tur;}{\f652\fbidi \froman\fcharset186\fprq2 Cambria Baltic;}
{\f653\fbidi \froman\fcharset163\fprq2 Cambria (Vietnamese);}{\f655\fbidi \fswiss\fcharset238\fprq2 Calibri CE;}{\f656\fbidi \fswiss\fcharset204\fprq2 Calibri Cyr;}{\f658\fbidi \fswiss\fcharset161\fprq2 Calibri Greek;}
{\f659\fbidi \fswiss\fcharset162\fprq2 Calibri Tur;}{\f660\fbidi \fswiss\fcharset177\fprq2 Calibri (Hebrew);}{\f661\fbidi \fswiss\fcharset178\fprq2 Calibri (Arabic);}{\f662\fbidi \fswiss\fcharset186\fprq2 Calibri Baltic;}
{\f663\fbidi \fswiss\fcharset163\fprq2 Calibri (Vietnamese);}{\f665\fbidi \fswiss\fcharset238\fprq2 Tahoma CE;}{\f666\fbidi \fswiss\fcharset204\fprq2 Tahoma Cyr;}{\f668\fbidi \fswiss\fcharset161\fprq2 Tahoma Greek;}
{\f669\fbidi \fswiss\fcharset162\fprq2 Tahoma Tur;}{\f670\fbidi \fswiss\fcharset177\fprq2 Tahoma (Hebrew);}{\f671\fbidi \fswiss\fcharset178\fprq2 Tahoma (Arabic);}{\f672\fbidi \fswiss\fcharset186\fprq2 Tahoma Baltic;}
{\f673\fbidi \fswiss\fcharset163\fprq2 Tahoma (Vietnamese);}{\f674\fbidi \fswiss\fcharset222\fprq2 Tahoma (Thai);}{\f1567\fbidi \fnil\fcharset0\fprq2 @SimSun Western;}
{\flomajor\f31508\fbidi \froman\fcharset238\fprq2 Times New Roman CE{\*\falt Times New Roman};}{\flomajor\f31509\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr{\*\falt Times New Roman};}
{\flomajor\f31511\fbidi \froman\fcharset161\fprq2 Times New Roman Greek{\*\falt Times New Roman};}{\flomajor\f31512\fbidi \froman\fcharset162\fprq2 Times New Roman Tur{\*\falt Times New Roman};}
{\flomajor\f31513\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew){\*\falt Times New Roman};}{\flomajor\f31514\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic){\*\falt Times New Roman};}
{\flomajor\f31515\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic{\*\falt Times New Roman};}{\flomajor\f31516\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese){\*\falt Times New Roman};}
{\fdbmajor\f31518\fbidi \froman\fcharset238\fprq2 Times New Roman CE{\*\falt Times New Roman};}{\fdbmajor\f31519\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr{\*\falt Times New Roman};}
{\fdbmajor\f31521\fbidi \froman\fcharset161\fprq2 Times New Roman Greek{\*\falt Times New Roman};}{\fdbmajor\f31522\fbidi \froman\fcharset162\fprq2 Times New Roman Tur{\*\falt Times New Roman};}
{\fdbmajor\f31523\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew){\*\falt Times New Roman};}{\fdbmajor\f31524\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic){\*\falt Times New Roman};}
{\fdbmajor\f31525\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic{\*\falt Times New Roman};}{\fdbmajor\f31526\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese){\*\falt Times New Roman};}
{\fhimajor\f31528\fbidi \froman\fcharset238\fprq2 Cambria CE;}{\fhimajor\f31529\fbidi \froman\fcharset204\fprq2 Cambria Cyr;}{\fhimajor\f31531\fbidi \froman\fcharset161\fprq2 Cambria Greek;}{\fhimajor\f31532\fbidi \froman\fcharset162\fprq2 Cambria Tur;}
{\fhimajor\f31535\fbidi \froman\fcharset186\fprq2 Cambria Baltic;}{\fhimajor\f31536\fbidi \froman\fcharset163\fprq2 Cambria (Vietnamese);}{\fbimajor\f31538\fbidi \froman\fcharset238\fprq2 Times New Roman CE{\*\falt Times New Roman};}
{\fbimajor\f31539\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr{\*\falt Times New Roman};}{\fbimajor\f31541\fbidi \froman\fcharset161\fprq2 Times New Roman Greek{\*\falt Times New Roman};}
{\fbimajor\f31542\fbidi \froman\fcharset162\fprq2 Times New Roman Tur{\*\falt Times New Roman};}{\fbimajor\f31543\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew){\*\falt Times New Roman};}
{\fbimajor\f31544\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic){\*\falt Times New Roman};}{\fbimajor\f31545\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic{\*\falt Times New Roman};}
{\fbimajor\f31546\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese){\*\falt Times New Roman};}{\flominor\f31548\fbidi \froman\fcharset238\fprq2 Times New Roman CE{\*\falt Times New Roman};}
{\flominor\f31549\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr{\*\falt Times New Roman};}{\flominor\f31551\fbidi \froman\fcharset161\fprq2 Times New Roman Greek{\*\falt Times New Roman};}
{\flominor\f31552\fbidi \froman\fcharset162\fprq2 Times New Roman Tur{\*\falt Times New Roman};}{\flominor\f31553\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew){\*\falt Times New Roman};}
{\flominor\f31554\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic){\*\falt Times New Roman};}{\flominor\f31555\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic{\*\falt Times New Roman};}
{\flominor\f31556\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese){\*\falt Times New Roman};}{\fdbminor\f31558\fbidi \froman\fcharset238\fprq2 Times New Roman CE{\*\falt Times New Roman};}
{\fdbminor\f31559\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr{\*\falt Times New Roman};}{\fdbminor\f31561\fbidi \froman\fcharset161\fprq2 Times New Roman Greek{\*\falt Times New Roman};}
{\fdbminor\f31562\fbidi \froman\fcharset162\fprq2 Times New Roman Tur{\*\falt Times New Roman};}{\fdbminor\f31563\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew){\*\falt Times New Roman};}
{\fdbminor\f31564\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic){\*\falt Times New Roman};}{\fdbminor\f31565\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic{\*\falt Times New Roman};}
{\fdbminor\f31566\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese){\*\falt Times New Roman};}{\fhiminor\f31568\fbidi \fswiss\fcharset238\fprq2 Calibri CE;}{\fhiminor\f31569\fbidi \fswiss\fcharset204\fprq2 Calibri Cyr;}
{\fhiminor\f31571\fbidi \fswiss\fcharset161\fprq2 Calibri Greek;}{\fhiminor\f31572\fbidi \fswiss\fcharset162\fprq2 Calibri Tur;}{\fhiminor\f31573\fbidi \fswiss\fcharset177\fprq2 Calibri (Hebrew);}
{\fhiminor\f31574\fbidi \fswiss\fcharset178\fprq2 Calibri (Arabic);}{\fhiminor\f31575\fbidi \fswiss\fcharset186\fprq2 Calibri Baltic;}{\fhiminor\f31576\fbidi \fswiss\fcharset163\fprq2 Calibri (Vietnamese);}
{\fbiminor\f31578\fbidi \fswiss\fcharset238\fprq2 Arial CE;}{\fbiminor\f31579\fbidi \fswiss\fcharset204\fprq2 Arial Cyr;}{\fbiminor\f31581\fbidi \fswiss\fcharset161\fprq2 Arial Greek;}{\fbiminor\f31582\fbidi \fswiss\fcharset162\fprq2 Arial Tur;}
{\fbiminor\f31583\fbidi \fswiss\fcharset177\fprq2 Arial (Hebrew);}{\fbiminor\f31584\fbidi \fswiss\fcharset178\fprq2 Arial (Arabic);}{\fbiminor\f31585\fbidi \fswiss\fcharset186\fprq2 Arial Baltic;}
{\fbiminor\f31586\fbidi \fswiss\fcharset163\fprq2 Arial (Vietnamese);}}{\colortbl;\red0\green0\blue0;\red0\green0\blue255;\red0\green255\blue255;\red0\green255\blue0;\red255\green0\blue255;\red255\green0\blue0;\red255\green255\blue0;
\red255\green255\blue255;\red0\green0\blue128;\red0\green128\blue128;\red0\green128\blue0;\red128\green0\blue128;\red128\green0\blue0;\red128\green128\blue0;\red128\green128\blue128;\red192\green192\blue192;
\caccentone\ctint255\cshade255\red79\green129\blue189;\ctextone\ctint255\cshade255\red0\green0\blue0;\chyperlink\ctint255\cshade255\red0\green0\blue255;}{\*\defchp \f31506\fs22\lang1057\langfe1033\langnp1057 }{\*\defpap \ql \li0\ri0\sa200\sl276\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 }\noqfpromote {\stylesheet{\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 
\fs20\cf1\lang1033\langfe1033\kerning28\cgrid\langnp1033\langfenp1033 \snext0 \sqformat \spriority0 \styrsid5452494 Normal;}{\s2\ql \li0\ri0\sb240\sa60\keepn\widctlpar\wrapdefault\aspalpha\aspnum\faauto\outlinelevel1\adjustright\rin0\lin0\itap0 
\rtlch\fcs1 \ab\ai\af0\afs28\alang1025 \ltrch\fcs0 \b\i\f36\fs28\cf1\lang1033\langfe1033\kerning28\cgrid\langnp1033\langfenp1033 \sbasedon0 \snext0 \slink15 \ssemihidden \sunhideused \sqformat \spriority9 \styrsid5452494 heading 2;}{
\s3\ql \li0\ri0\sb200\keep\keepn\widctlpar\wrapdefault\aspalpha\aspnum\faauto\outlinelevel2\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \ab\af0\afs20\alang1025 \ltrch\fcs0 
\b\fs20\cf17\lang1033\langfe1033\kerning28\loch\f31502\hich\af31502\dbch\af31501\cgrid\langnp1033\langfenp1033 \sbasedon0 \snext0 \slink16 \ssemihidden \sunhideused \sqformat \spriority9 \styrsid15207238 heading 3;}{\*\cs10 \additive 
\ssemihidden \sunhideused \spriority1 Default Paragraph Font;}{\*\ts11\tsrowd\trftsWidthB3\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblind0\tblindtype3\tsvertalt\tsbrdrt\tsbrdrl\tsbrdrb\tsbrdrr\tsbrdrdgl\tsbrdrdgr\tsbrdrh\tsbrdrv 
\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af31506\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1057\langfe1033\cgrid\langnp1057\langfenp1033 \snext11 \ssemihidden \sunhideused 
Normal Table;}{\*\cs15 \additive \rtlch\fcs1 \ab\ai\af0\afs28 \ltrch\fcs0 \b\i\f36\fs28\cf1\lang1033\langfe0\kerning28\langnp1033\langfenp0 \sbasedon10 \slink2 \slocked \ssemihidden \spriority9 \styrsid5452494 Heading 2 Char;}{\*\cs16 \additive 
\rtlch\fcs1 \ab\af0\afs20 \ltrch\fcs0 \b\fs20\cf17\lang1033\langfe0\kerning28\loch\f31502\hich\af31502\dbch\af31501\langnp1033\langfenp0 \sbasedon10 \slink3 \slocked \ssemihidden \spriority9 \styrsid15207238 Heading 3 Char;}{
\s17\ql \li720\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\contextualspace \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs20\cf1\lang1033\langfe1033\kerning28\cgrid\langnp1033\langfenp1033 
\sbasedon0 \snext17 \sqformat \spriority34 \styrsid5452494 List Paragraph;}{\s18\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 
\fs20\cf1\lang1033\langfe1033\kerning28\cgrid\langnp1033\langfenp1033 \sbasedon0 \snext18 \slink19 \sunhideused \styrsid5452494 footnote text;}{\*\cs19 \additive \rtlch\fcs1 \af0\afs20 \ltrch\fcs0 
\f0\fs20\cf1\lang1033\langfe0\kerning28\langnp1033\langfenp0 \sbasedon10 \slink18 \slocked \styrsid5452494 Footnote Text Char;}{\*\cs20 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \super \sbasedon10 \ssemihidden \sunhideused \styrsid5452494 
footnote reference;}{\s21\ql \li0\ri0\widctlpar\tqc\tx4680\tqr\tx9360\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs20\cf1\lang1033\langfe1033\kerning28\cgrid\langnp1033\langfenp1033 
\sbasedon0 \snext21 \slink22 \sunhideused \styrsid5452494 header;}{\*\cs22 \additive \rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f0\fs20\cf1\lang1033\langfe0\kerning28\langnp1033\langfenp0 \sbasedon10 \slink21 \slocked \styrsid5452494 Header Char;}{
\s23\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs20\cf1\lang1033\langfe1033\kerning28\cgrid\langnp1033\langfenp1033 \snext23 \sqformat \spriority1 \styrsid5452494 
No Spacing;}{\*\ts24\tsrowd\trbrdrt\brdrs\brdrw10\brdrcf18 \trbrdrl\brdrs\brdrw10\brdrcf18 \trbrdrb\brdrs\brdrw10\brdrcf18 \trbrdrr\brdrs\brdrw10\brdrcf18 \trbrdrh\brdrs\brdrw10\brdrcf18 \trbrdrv\brdrs\brdrw10\brdrcf18 
\trftsWidthB3\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblind0\tblindtype3\tsvertalt\tsbrdrt\tsbrdrl\tsbrdrb\tsbrdrr\tsbrdrdgl\tsbrdrdgr\tsbrdrh\tsbrdrv 
\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f31506\fs22\lang1057\langfe1033\cgrid\langnp1057\langfenp1033 \sbasedon11 \snext24 \spriority59 \styrsid5452494 
Table Grid;}{\*\cs25 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \b \sbasedon10 \sqformat \spriority22 \styrsid5452494 Strong;}{\s26\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af38\afs16\alang1025 
\ltrch\fcs0 \f38\fs16\cf1\lang1033\langfe1033\kerning28\cgrid\langnp1033\langfenp1033 \sbasedon0 \snext26 \slink27 \ssemihidden \sunhideused \styrsid7537726 Balloon Text;}{\*\cs27 \additive \rtlch\fcs1 \af38\afs16 \ltrch\fcs0 
\f38\fs16\cf1\lang1033\langfe0\kerning28\langnp1033\langfenp0 \sbasedon10 \slink26 \slocked \ssemihidden \styrsid7537726 Balloon Text Char;}{\s28\ql \li0\ri0\widctlpar
\tx916\tx1832\tx2748\tx3664\tx4580\tx5496\tx6412\tx7328\tx8244\tx9160\tx10076\tx10992\tx11908\tx12824\tx13740\tx14656\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af2\afs20\alang1025 \ltrch\fcs0 
\f2\fs20\lang1057\langfe1057\cgrid\langnp1057\langfenp1057 \sbasedon0 \snext28 \slink29 \ssemihidden \sunhideused \styrsid15799995 HTML Preformatted;}{\*\cs29 \additive \rtlch\fcs1 \af2\afs20 \ltrch\fcs0 \f2\fs20\lang0\langfe1057\langnp0\langfenp1057 
\sbasedon10 \slink28 \slocked \ssemihidden \styrsid15799995 HTML Preformatted Char;}{\s30\ql \li0\ri0\widctlpar\tqc\tx4513\tqr\tx9026\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 
\fs20\cf1\lang1033\langfe1033\kerning28\cgrid\langnp1033\langfenp1033 \sbasedon0 \snext30 \slink31 \sunhideused \styrsid4486936 footer;}{\*\cs31 \additive \rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f0\fs20\cf1\lang1033\langfe0\kerning28\langnp1033\langfenp0 
\sbasedon10 \slink30 \slocked \styrsid4486936 Footer Char;}{\s32\ql \li114\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin114\itap0 \rtlch\fcs1 \af0\afs12\alang1025 \ltrch\fcs0 
\fs14\lang1057\langfe1033\charscalex123\cgrid\langnp1057\langfenp1033 \sbasedon0 \snext32 \slink33 \sqformat \spriority0 \styrsid1839484 abstrak;}{\*\cs33 \additive \rtlch\fcs1 \af0\afs12 \ltrch\fcs0 \f0\fs12\charscalex123 
\sbasedon10 \slink32 \slocked \spriority0 \styrsid1839484 abstrak Char;}{\s34\qj \fi284\li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 
\fs24\lang1057\langfe1033\cgrid\langnp1057\langfenp1033 \sbasedon0 \snext34 \slink35 \sqformat \spriority0 \styrsid3236555 Paragraf dalam isi;}{\*\cs35 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24 
\sbasedon10 \slink34 \slocked \spriority0 \styrsid3236555 Paragraf dalam isi Char;}{\s36\qj \fi289\li0\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 
\fs20\expndtw-1\lang1033\langfe1033\loch\f0\hich\af0\dbch\af13\cgrid\langnp1033\langfenp1033 \sbasedon0 \snext36 \slink37 \styrsid9708562 Body Text;}{\*\cs37 \additive \rtlch\fcs1 \af0\afs20 \ltrch\fcs0 
\fs20\lang1033\langfe0\loch\f0\hich\af0\dbch\af13\langnp1033\langfenp0 \sbasedon10 \slink36 \slocked \styrsid9708562 Body Text Char;}{\*\cs38 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \ul\cf19 \sbasedon10 \sunhideused \styrsid6883775 Hyperlink;}{\*\cs39 
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{\sp{\sn fPseudoInline}{\sv 0}}{\sp{\sn sizerelh}{\sv 0}}{\sp{\sn fLayoutInCell}{\sv 1}}}{\shprslt{\*\do\dobxcolumn\dobypara\dodhgt8194\dpline\dpptx0\dppty0\dpptx9945\dppty15\dpx-203\dpy177\dpxsize9945\dpysize15
\dplinew45\dplinecor141\dplinecog12\dplinecob0}}}}{\rtlch\fcs1 \af37\afs28 \ltrch\fcs0 \b\f31506\fs28\insrsid16017321\charrsid2507962 
\par }\pard \ltrpar\qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid16468250 {\rtlch\fcs1 \ab\af37\afs28 \ltrch\fcs0 \b\f31506\fs28\insrsid9052870\charrsid2507962  }{\rtlch\fcs1 \af37\afs28 \ltrch\fcs0 
\b\f31506\fs28\insrsid16468250\charrsid16468250 PEMBERDAYAAN WAKAF PRODUKTIF DALAM KESEJAHTERAAN }{\rtlch\fcs1 \af37\afs28 \ltrch\fcs0 \b\f31506\fs28\insrsid16468250 
\par }{\rtlch\fcs1 \af37\afs28 \ltrch\fcs0 \b\f31506\fs28\insrsid16468250\charrsid16468250 EKONOMI MASYARAKAT}{\rtlch\fcs1 \ab\af37\afs28 \ltrch\fcs0 \b\f31506\fs28\insrsid13781927\charrsid16468250  }{\rtlch\fcs1 \ab\af37\afs28 \ltrch\fcs0 
\b\f31506\fs28\insrsid2232689\charrsid16468250 
\par }\pard \ltrpar\qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid15207238 {\rtlch\fcs1 \ab\af37\afs24 \ltrch\fcs0 \b\f31506\fs24\cf6\insrsid15207238\charrsid2507962 
\par }\pard \ltrpar\qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13003604 {\rtlch\fcs1 \ab\af37\afs24 \ltrch\fcs0 \b\f31506\fs24\insrsid13003604\charrsid13003604 Wing Redy Prayuda*
\par }{\rtlch\fcs1 \ab\af37\afs24 \ltrch\fcs0 \f31506\fs24\insrsid13003604\charrsid13003604 Dosen Institut Agama Islam Negeri (IAIN) Syekh Nurjati Cirebon 
\par Fakultas Syariah dan Ekonomi Islam (FSEI)
\par }\pard \ltrpar\qc \li0\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid13003604 {\rtlch\fcs1 \ab\af37\afs24 \ltrch\fcs0 \f31506\fs24\insrsid13003604\charrsid13003604 Email: }{\field\fldedit{\*\fldinst {
\rtlch\fcs1 \af37 \ltrch\fcs0 \f31506\insrsid13003604\charrsid13003604  HYPERLINK "mailto:redyprayuda@gmail.com" }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f31506\insrsid6958902\charrsid13003604 {\*\datafield 
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}}{\fldrslt {\rtlch\fcs1 \ab\af37\afs24 \ltrch\fcs0 \cs38\f31506\fs24\ul\cf19\insrsid13003604\charrsid13003604 redyprayuda@gmail.com}}}\sectd \ltrsect
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\par }\pard \ltrpar\qj \li0\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid2435388 {\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f31506\fs24\cf6\insrsid1058919\charrsid2507962  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang1024\langfe1024\noproof\insrsid12070448 {\shp{\*\shpinst\shpleft-248\shptop177\shpright9772\shpbottom177\shpfhdr0\shpbxcolumn\shpbxignore\shpbypara\shpbyignore\shpwr3\shpwrk0\shpfblwtxt0\shpz4\shplid1030
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{\sp{\sn fPseudoInline}{\sv 0}}{\sp{\sn sizerelh}{\sv 0}}{\sp{\sn sizerelv}{\sv 0}}{\sp{\sn fLayoutInCell}{\sv 1}}}{\shprslt{\*\do\dobxcolumn\dobypara\dodhgt8196\dpline\dpptx0\dppty0\dpptx10020\dppty0\dpx-248\dpy177\dpxsize10020\dpysize0
\dplinew20\dplinecor141\dplinecog12\dplinecob0}}}}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f31506\fs24\cf0\insrsid2435388\charrsid2507962 
\par \ltrrow}\trowd \irow0\irowband0\ltrrow\ts24\trgaph108\trrh2358\trleft-1247\trftsWidth3\trwWidth11028\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid6958902\tbllkhdrrows\tbllkhdrcols\tbllknocolband
\tblind-1139\tblindtype3 \clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth2410\clshdrawnil \cellx1163\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl 
\cltxlrtb\clftsWidth3\clwWidth8618\clshdrawnil \cellx9781\pard\plain \ltrpar\qj \li601\ri0\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin601\pararsid15170656\yts24 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 
\fs20\cf1\lang1033\langfe1033\kerning28\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \ab\af37\afs22 \ltrch\fcs0 \b\f31506\fs22\insrsid1839484\charrsid2507962 Artikel info}{\rtlch\fcs1 \ab\af37\afs22 \ltrch\fcs0 
\b\f31506\fs22\insrsid15170656\charrsid2507962 :}{\rtlch\fcs1 \ab\af37\afs22 \ltrch\fcs0 \b\f31506\fs22\insrsid15889472\charrsid2507962 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang1024\langfe1024\noproof\insrsid12070448 {\shp{\*\shpinst\shpleft560\shptop260\shpright2225\shpbottom260\shpfhdr0\shpbxcolumn\shpbxignore\shpbypara\shpbyignore\shpwr3\shpwrk0\shpfblwtxt0\shpz5\shplid1031
{\sp{\sn shapeType}{\sv 20}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{\sn lineColor}{\sv 0}{\*\hsv \ctextone\ctint255\cshade255}}{\sp{\sn wzName}{\sv Straight Connector 9}}{\sp{\sn metroBlob}{\sv {\*\svb 
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{\sp{\sn fPseudoInline}{\sv 0}}{\sp{\sn fLayoutInCell}{\sv 1}}}{\shprslt{\*\do\dobxcolumn\dobypara\dodhgt8197\dpline\dpptx0\dppty0\dpptx1665\dppty0\dpx560\dpy260\dpxsize1665\dpysize0\dplinew15\dplinecor141\dplinecog12\dplinecob0}}}}{\rtlch\fcs1 
\ab\af37\afs22 \ltrch\fcs0 \b\f31506\fs22\insrsid15207238\charrsid2507962 
\par }{\rtlch\fcs1 \ab\af37\afs22 \ltrch\fcs0 \b\f31506\fs22\insrsid940051\charrsid2507962 
\par }\pard \ltrpar\ql \li601\ri0\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin601\pararsid15170656\yts24 {\rtlch\fcs1 \af37 \ltrch\fcs0 \f31506\insrsid15889472\charrsid2507962 Received: }{\rtlch\fcs1 \af37 \ltrch\fcs0 
\f31506\cf6\insrsid6958902 April 2022}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f31506\insrsid15889472\charrsid2507962 
\par Accepted}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f31506\cf6\insrsid6958902 : April 2022}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f31506\cf6\insrsid15889472\charrsid2507962  }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f31506\cf0\insrsid15889472\charrsid2507962 
\par }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f31506\insrsid15889472\charrsid2507962 Available online: }{\rtlch\fcs1 \af37 \ltrch\fcs0 \f31506\cf6\insrsid6958902 Juni 2022}{\rtlch\fcs1 \af37 \ltrch\fcs0 \f31506\insrsid15889472\charrsid2507962 
\par }\pard \ltrpar\qj \li601\ri0\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin601\pararsid15170656\yts24 {\rtlch\fcs1 \ai\af37\afs22 \ltrch\fcs0 \i\f31506\fs22\insrsid1839484\charrsid2507962 
\par }\pard \ltrpar\qj \li601\ri0\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin601\pararsid12145175\yts24 {\rtlch\fcs1 \ab\af37\afs22 \ltrch\fcs0 \b\f31506\fs22\insrsid15164309\charrsid2507962 \cell }\pard \ltrpar
\qc \li179\ri0\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin179\pararsid3357954\yts24 {\rtlch\fcs1 \ab\af37\afs24 \ltrch\fcs0 \b\f31506\fs24\lang1057\langfe1033\langnp1057\insrsid1839484\charrsid2507962 ABSTRAC}{\rtlch\fcs1 
\ab\af37\afs24 \ltrch\fcs0 \b\f31506\fs24\insrsid3357954\charrsid2507962 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang1024\langfe1024\noproof\insrsid12070448 {\shp{\*\shpinst\shpleft56\shptop236\shpright8171\shpbottom236\shpfhdr0\shpbxcolumn\shpbxignore\shpbypara\shpbyignore\shpwr3\shpwrk0\shpfblwtxt0\shpz6\shplid1032
{\sp{\sn shapeType}{\sv 20}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{\sn lineColor}{\sv 0}{\*\hsv \ctextone\ctint255\cshade255}}{\sp{\sn wzName}{\sv Straight Connector 10}}{\sp{\sn metroBlob}{\sv {\*\svb 
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{\sp{\sn fPseudoInline}{\sv 0}}{\sp{\sn sizerelh}{\sv 0}}{\sp{\sn fLayoutInCell}{\sv 1}}}{\shprslt{\*\do\dobxcolumn\dobypara\dodhgt8198\dpline\dpptx0\dppty0\dpptx8115\dppty0\dpx56\dpy236\dpxsize8115\dpysize0\dplinew15\dplinecor141\dplinecog12\dplinecob0}
}}}{\rtlch\fcs1 \ab\ai\af37\afs24 \ltrch\fcs0 \b\i\f31506\fs24\insrsid15207238\charrsid2507962 
\par }\pard \ltrpar\qj \fi720\li147\ri0\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin147\pararsid15630221\yts24 {\rtlch\fcs1 \af37\afs22 \ltrch\fcs0 \f31506\fs22\insrsid16468250\charrsid16468250 
Law is not only useful as a means of controlling for In this period of concerning economic growth, in fact the role of waqf in addition to other instruments, can be felt its benefits to improve people's living standards, especially i
n the economic field, if waqf is managed properly. The allocation of waqf in Indonesia, which does not lead to the economic empowerment of the people and tends to be only for the benefit of special worship activities, is more because it is influenced by t
h
e limitations of Muslims in understanding waqf, both regarding the property in waqf, the designation of waqf and nadzir waqf. In general, Indonesian Muslims understand that the allocation of waqf is only limited to the interests of worship and things that
 
are commonly carried out in Indonesia such as mosques, prayer rooms, tombs, and so on. In Indonesia, in particular, until now, the potential of waqf as a means of doing good for the benefit of the community has not been fully utilized, moreover, clothing 
as an object of waqf has never been carried out nationally or internationally. }{\rtlch\fcs1 \af37\afs22 \ltrch\fcs0 \f31506\fs22\insrsid15630221\charrsid2507962 
\par This type of research is library research (library research), in the sense that all data sources come from written materials in the form of books, documents, magazines and texts
 that are related to the topic of discussion through a review of various literature related to research which includes primary, secondary data. , dantertier. The data collected, read.
\par }\pard \ltrpar\qj \fi720\li147\ri0\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin147\pararsid8073176\yts24 {\rtlch\fcs1 \af37\afs22 \ltrch\fcs0 \f31506\fs22\insrsid16468250\charrsid16468250 
The result of this research is that Productive Waqf is generally in the 
form of agricultural land or plantations, commercial buildings, managed in such a way as to generate profits, some of which are used to finance these various activities. Even in history, waqf has been developed in the form of apartments, shop houses and o
thers. Besides apartments and shophouses, there are waqf of food shops, factories, public kitchens, factory machines, oil presses, baths, and others. This Productive Waqf is then practiced in various countries until now.}{\rtlch\fcs1 \af37\afs22 
\ltrch\fcs0 \f31506\fs22\insrsid8073176 
\par }{\rtlch\fcs1 \af37\afs22 \ltrch\fcs0 \f31506\fs22\insrsid16468250\charrsid2507962 
\par }\pard \ltrpar\qj \li179\ri0\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin179\pararsid2435388\yts24 {\rtlch\fcs1 \ab\af37\afs22 \ltrch\fcs0 \b\f31506\fs22\cf0\insrsid15630221\charrsid2507962 Keywords:}{\rtlch\fcs1 \af37\afs22 
\ltrch\fcs0 \f31506\fs22\cf0\insrsid15630221\charrsid2507962  }{\rtlch\fcs1 \ab\ai\af37\afs22 \ltrch\fcs0 \b\i\f31506\fs22\cf0\insrsid8073176\charrsid2507962 Enforcement, Criminal Law, Humane Values, and Civilization.}{\rtlch\fcs1 \af37\afs22 \ltrch\fcs0 
\f31506\fs22\cf0\insrsid15630221\charrsid2507962 \cell }\pard\plain \ltrpar\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 
\fs20\cf1\lang1033\langfe1033\kerning28\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af37 \ltrch\fcs0 \f31506\insrsid1839484\charrsid2507962 \trowd \irow0\irowband0\ltrrow
\ts24\trgaph108\trrh2358\trleft-1247\trftsWidth3\trwWidth11028\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid6958902\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind-1139\tblindtype3 \clvertalt
\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth2410\clshdrawnil \cellx1163\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth8618\clshdrawnil 
\cellx9781\row \ltrrow}\trowd \irow1\irowband1\lastrow \ltrrow
\ts24\trgaph108\trleft-1247\trftsWidth3\trwWidth11028\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid6958902\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind-1139\tblindtype3 \clvertalt\clbrdrt
\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth2410\clshdrawnil \cellx1163\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth8618\clshdrawnil \cellx9781
\pard\plain \ltrpar\qj \li0\ri0\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid6494853\yts24 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs20\cf1\lang1033\langfe1033\kerning28\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 
\ai\af37\afs22 \ltrch\fcs0 \i\f31506\fs22\lang1057\langfe1033\langnp1057\insrsid1839484\charrsid2507962 \cell }\pard \ltrpar\qc \li0\ri0\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid3236555\yts24 {\rtlch\fcs1 
\ab\af37\afs24 \ltrch\fcs0 \b\f31506\fs24\insrsid13781927\charrsid2507962 
\par }{\rtlch\fcs1 \ab\af37\afs24 \ltrch\fcs0 \b\f31506\fs24\lang1057\langfe1033\langnp1057\insrsid1839484\charrsid2507962 ABSTRAK}{\rtlch\fcs1 \ab\af37\afs24 \ltrch\fcs0 \b\f31506\fs24\insrsid1839484\charrsid2507962 
\par }\pard \ltrpar\qj \fi720\li147\ri0\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin147\pararsid2507962\yts24 {\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f31506\fs24\insrsid14820322\charrsid2507962 
Hukum bukan hanya berguna sebagai sarana pengendali untuk }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f31506\fs24\insrsid2507962\charrsid2507962 
Di masa pertumbuhan ekonomi yang cukup memprihatinkan ini sesungguhnya peranan wakaf disamping instrumen-instrumen lainnya, dapat dirasakan 
manfaatnya untuk meningkatkan taraf hidup masyarakat, khususnya di bidang ekonomi, apabila wakaf dikelola secara baik. Peruntukkan wakaf di Indonesia yang kurang mengarah pada pemberdayaan ekonomi umat dan cenderung hanya untuk kepentingan kegiatan-kegiat
a
n ibadah khusus lebih karena dipengaruhi oleh keterbatasan umat Islam akan pemahaman wakaf, baik mengenai harta yang di wakafkan, peruntukan wakaf maupun nadzir wakaf. Pada umumnya umat Islam Indonesia memahami bahwa peruntukan wakaf hanya terbatas untuk 
k
epentingan peribadatan dan hal-hal yang lazim dilaksanakan di indonesia seperti untuk masjid, musholla, makam, dan sebagainya. Secara khusus di Indonesia sampai saat ini potensi wakaf sebagai sarana berbuat kebajikan bagi kepentingan masyarakat belum dida
yagunakan secara maksimal, terlebih lagi pakaian sebagai objek wakaf belum pernah dilakukan dalam lingkup nasional maupun internasional. }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f31506\fs24\insrsid15630221\charrsid2507962 
\par }\pard \ltrpar\qj \fi720\li147\ri0\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin147\pararsid15630221\yts24 {\rtlch\fcs1 \af37\afs22 \ltrch\fcs0 \f31506\fs22\insrsid15630221\charrsid2507962 
Jenis penelitian ini adalah penelitian kepustakaan (}{\rtlch\fcs1 \ai\af37\afs22 \ltrch\fcs0 \i\f31506\fs22\insrsid15630221\charrsid2507962 library research}{\rtlch\fcs1 \af37\afs22 \ltrch\fcs0 \f31506\fs22\insrsid15630221\charrsid2507962 
), dalam artian semua sumber data be
rasal dari bahan-bahan tertulis berupa buku, dokumen, majallah dan naskah yang ada kaitannya dengan topic pembahasan melalui penelaahan berbagai literatur yang berhubungan dengan penelitian yang mencakup data primer, sekunder, dantertier. Data-data yang d
ikumpulkan, dibaca.
\par Hasil penelitian ini yaitu }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f31506\fs24\insrsid2507962\charrsid2507962 
Wakaf Produktif pada umumnya berupa tanah pertanian pertanian atau perkebunan, gedung-gedung komersial, dikelola sedemikian rupa sehingga mendatangkan keuntungan yang sebagian hasilnya dipergunakan untuk membia
yai berbagai kegiatan tersebut. Bahkan dalam sejarah, wakaf sudah dikembangkan dalam bentuk apartemen, ruko dan lain-lain. Disamping apartemen dan ruko, terdapat wakaf toko makanan, pabrik-pabrik, dapur umum, mesin-mesin pabrik, alat-alat pembakar roti pe
meras minyak, tempat pemandian, dan lain-lain. Wakaf Produktif ini kemudian dipraktekkan di berbagai Negara sampai sekarang.}{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f31506\fs24\insrsid15630221\charrsid2507962 
\par }\pard \ltrpar\qj \li0\ri0\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid15630221\yts24 {\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f31506\fs24\insrsid15630221\charrsid2507962 
\par }\pard \ltrpar\qj \fi-1281\li1281\ri0\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1281\pararsid8073176\yts24 {\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f31506\fs24\insrsid15630221\charrsid2507962 Kata}{\rtlch\fcs1 \af37\afs22 
\ltrch\fcs0 \f31506\fs22\cf0\insrsid15630221\charrsid2507962  Kunci: }{\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \b\i\f31506\fs24\insrsid2507962\charrsid2507962 Pemberdayaan, Wakaf Produktif, dan Kesejahteraan.}{\rtlch\fcs1 \ab\af37\afs28 \ltrch\fcs0 
\b\f31506\fs28\insrsid15630221\charrsid2507962 
\par }\pard\plain \ltrpar\s17\qj \li0\ri0\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid16660291\yts24\contextualspace \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 
\fs20\cf1\lang1033\langfe1033\kerning28\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af37\afs22 \ltrch\fcs0 \f31506\fs22\insrsid1839484\charrsid2507962 \cell }\pard\plain \ltrpar\ql \li0\ri0\sa200\sl276\slmult1
\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs20\cf1\lang1033\langfe1033\kerning28\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af37 \ltrch\fcs0 
\f31506\insrsid1839484\charrsid2507962 \trowd \irow1\irowband1\lastrow \ltrrow
\ts24\trgaph108\trleft-1247\trftsWidth3\trwWidth11028\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid6958902\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind-1139\tblindtype3 \clvertalt\clbrdrt
\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth2410\clshdrawnil \cellx1163\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth8618\clshdrawnil \cellx9781
\row }\pard \ltrpar\ql \li426\ri0\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin426\itap0\pararsid13723072 {\rtlch\fcs1 \af37\afs28 \ltrch\fcs0 \b\f31506\fs28\cf0\insrsid13723072\charrsid2507962 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs28 \ltrch\fcs0 \b\f31506\fs28\lang1057\langfe1033\kerning28\langnp1057\insrsid5452494\charrsid6958902 \hich\af31506\dbch\af0\loch\f31506 I.\tab}}\pard \ltrpar\ql \fi-426\li426\ri0\sl276\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin426\itap0\pararsid6958902 {\rtlch\fcs1 \af31506\afs28 \ltrch\fcs0 \b\f31506\fs28\cf0\lang1057\langfe1033\langnp1057\insrsid5452494\charrsid6958902 PENDAHULUAN}{\rtlch\fcs1 
\af31506\afs28 \ltrch\fcs0 \b\f31506\fs28\cf0\lang1057\langfe1033\langnp1057\insrsid3555974\charrsid6958902 
\par }\pard\plain \ltrpar\s17\qj \fi708\li426\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin426\itap0\pararsid6958902\contextualspace \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 
\fs20\cf1\lang1033\langfe1033\kerning28\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \f31506\fs24\insrsid83807\charrsid6958902 
Tanah mempunyai arti yang sangat penting dalam kehidupan bermasyarakat dan bernegara karena kehidupan manusia sama sekali tidak dapat dipisahkan dari tanah, manusia hidup di atas tanah dan memperoleh bahan pangan dengan cara mendayagunakan tanah. Seiring 
d
engan perkembangan yang begitu pesat dalam pembangunan di berbagai bidang, menjadikan kedudukan tanah menjadi modal yang paling utama dalam kehidupan kemasyarakatan di Indonesia. Peran penting dari tanah tersebut dalam kehidupan masyarakat dapat diperoleh
nya selain dengan cara jual beli, tukar menukar, hibah, pinjaman dan lain-lainnya dapat juga diperoleh melalui cara atau jalan wakaf.
\par Masalah tanah ini diatur dalam Hukum Agraria Nasional, yang tertuang dalam Undang-Undang Nomor 5 Tahun 1960 tentang Peratur
an Dasar Pokok Agraria dan ditindak lanjuti oleh berbagai peraturan perundangan-undangan yang lainnya. Dalam salah satu konsiderannya disebutkan bahwa \'93
berhubung dengan apa yang disebut dalam pertimbangan-pertimbangan di atas perlu adanya Hukum Agraria Nas
ional, yang berdasar atas hukum adat tentang tanah yang sederhana dan menjamin kepastian hukum bagi seluruh rakyat Indonesia, dengan tidak mengabaikan unsur-unsur yang bersandar pada hukum agama.\'94
 Salah satu hal yang bersandar pada hukum agama yang menyangkut tanah ini adalah perwakafan tanah (Taufik Hamami, 2003: 3).}{\rtlch\fcs1 \af31506\afs16 \ltrch\fcs0 \f31506\fs16\insrsid83807\charrsid6958902 
\par }{\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \f31506\fs24\insrsid83807\charrsid6958902 
Negara kita merupakan suatu negara yang mayoritas penduduknya beragama Islam. Sebagaimana kita ketahui, bahwa agama Islam menganjurkan untuk melaksanakan ibadah, yang salah satunya yaitu denga
n melaksanakan wakaf. Pada dasarnya tidak hanya mencakup tanah sebagai benda tidak bergerak, akan tetapi juga mencakup benda bergerak misalnya uang atau mobil, surat berharga dan sebagainya. 
\par Wakaf tanah merupakan salah satu ibadah sosial di dalam Islam ya
ng sangat erat kaitannya dengan keagrariaan, artinya bahwa ketentuan-ketentuan hukum yang mengatur hubungan-hubungan hukum dengan bumi, air dan ruang angkasa serta kekayaan alam yang terkandung di dalamnya, yang dalam hal ini adalah tanah, demikian juga t
anah wakaf termasuk dalam bagian dari Hukum Agraria (Budi Harso, 1999: 350).
\par Berdasarkan data yang ada dalam masyarakat, pada umumnya wakaf di Indonesia digunakan untuk masjid, musholla, sekolah, makam, ponpes, rumah yatim piatu dan sedikit sekali tanah wak
af yang dikelola secara produktif dalam bentuk suatu usaha yang hasilnya dapat dimanfaatkan bagi pihak-pihak yang memerlukan khususnya kaum fakir miskin. Pemanfaatan tersebut dilihat dari segi sosial khususnya untuk kepentingan peribadatan memang efektif,
 tetapi dampaknya kurang berpengaruh positif dalam kehidupan ekonomi masyarakat.
\par Apabila peruntukan wakaf hanya terbatas pada hal-hal diatas tanpa diimbangi dengan wakaf yang dikelola secara produktif, maka kesejahteraan sosial ekonomi masyarakat yang dihar
apkan dari lembaga wakaf, tidak akan dapat terealisasi secara optimal. Wakaf bisa dijadikan sebagai lembaga ekonomi yang potensial untuk dikembangkan selama bisa dikelola secara optimal. Karena institusi perwakafan merupakan salah satu aset kebudayaan Nas
i
onal dari aspek social yang perlu mendapat perhatian sebagai penopang hidup dan harga diri bangsa. Untuk itu, kondisi wakaf di Indonesia saat ini perlu mendapat perhatian ekstra apalagi wakaf yang ada di Indonesia pada umumnya berbentuk benda tidak berger
ak dan tidak dikelola secara produktif (Dirjen Bimas, 2003: 2-3). 
\par Di masa pertumbuhan ekonomi yang cukup memprihatinkan ini sesungguhnya peranan wakaf disamping instrumen-instrumen lainnya, dapat dirasakan manfaatnya untuk meningkatkan taraf hidup masyarak
at, khususnya di bidang ekonomi, apabila wakaf dikelola secara baik. Peruntukkan wakaf di Indonesia yang kurang mengarah pada pemberdayaan ekonomi umat dan cenderung hanya untuk kepentingan kegiatan-kegiatan ibadah khusus lebih karena dipengaruhi oleh ket
e
rbatasan umat Islam akan pemahaman wakaf, baik mengenai harta yang di wakafkan, peruntukan wakaf maupun nadzir wakaf. Pada umumnya umat Islam Indonesia memahami bahwa peruntukan wakaf hanya terbatas untuk kepentingan peribadatan dan hal-hal yang lazim dil
aksanakan di Indonesia seperti untuk masjid, musholla, sekolah, makam, dan sebagainya (Achmad, 2005:11).
\par }\pard\plain \ltrpar\qj \fi709\li284\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin284\itap0\pararsid6958902 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 
\fs20\cf1\lang1033\langfe1033\kerning28\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \f31506\fs24\cf6\insrsid83807\charrsid6958902 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs28 \ltrch\fcs0 \b\f31506\fs28\lang1057\langfe1033\kerning28\langnp1057\insrsid1271867\charrsid6958902 \hich\af31506\dbch\af0\loch\f31506 II.\tab}}\pard \ltrpar\ql \fi-426\li426\ri0\sl276\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin426\itap0\pararsid6958902 {\rtlch\fcs1 \af31506\afs28 \ltrch\fcs0 \b\f31506\fs28\cf0\lang1057\langfe1033\langnp1057\insrsid1271867\charrsid6958902 METODE PENELITIAN }{\rtlch\fcs1 
\af31506\afs28 \ltrch\fcs0 \b\f31506\fs28\cf0\lang1057\langfe1033\langnp1057\insrsid15413701\charrsid6958902 
\par }\pard \ltrpar\qj \fi709\li426\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin426\itap0\pararsid6958902 {\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \f31506\fs24\insrsid2702913\charrsid6958902 
Jenis penelitian ini adalah penelitian kepustakaan (}{\rtlch\fcs1 \ai\af31506\afs24 \ltrch\fcs0 \i\f31506\fs24\insrsid2702913\charrsid6958902 library research}{\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \f31506\fs24\insrsid2702913\charrsid6958902 
), dalam artian semua sumber data berasal dari bahan-bahan tertulis berupa buku, dokumen, majallah dan naskah yang ada kaitannya dengan topik pembahasan melalui penelaahan berbagai literatur yang }{\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 
\f31506\fs24\kerning0\insrsid2702913\charrsid6958902 berhubungan}{\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \f31506\fs24\insrsid2702913\charrsid6958902 
 dengan penelitian yang mencakup data primer, sekunder, dan tertier. Data-data yang dikumpulkan dibaca, dipahami dan dirumuskan substansinya untuk kemudian diperbandingkan dengan tulisan (literatur) lain sehingga dihasilkan sintesa penelitian. }{
\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \f31506\fs24\lang1057\langfe1033\langnp1057\insrsid2702913\charrsid6958902 
\par Penulis dalam penelitian ini menggunakan jenis data Kualitatif yakni yang berhubungan }{\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \f31506\fs24\kerning0\insrsid2702913\charrsid6958902 dengan}{\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 
\f31506\fs24\lang1057\langfe1033\langnp1057\insrsid2702913\charrsid6958902  pembahasan masalah. Adapun sumber data yang digunakan terdiri dari dua macam sumber data, yaitu data Primer dan data Sekunder}{\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 
\f31506\fs24\insrsid2702913\charrsid6958902 .
\par }{\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \f31506\fs24\lang1057\langfe1033\langnp1057\insrsid2702913\charrsid6958902 Dalam rangka untuk memperoleh data yang objekti
f dan akurat untuk mendeskripsikan dan menjawab pemasalahan yang diteliti, diperlukan prosedur pengumpulan data. Oleh karena itu peneliti menggunakan metode pengumpulan data sebagai }{\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 
\f31506\fs24\kerning0\insrsid2702913\charrsid6958902 berikut}{\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \f31506\fs24\lang1057\langfe1033\langnp1057\insrsid2702913\charrsid6958902 :}{\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 
\f31506\fs24\insrsid13781927\charrsid6958902  }{\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \f31506\fs24\lang1057\langfe1033\langnp1057\insrsid2702913\charrsid6958902 Dalam hal ini penulis menggunakan metode penelitian observasi yai
tu metode pengumpulan data secara sistematis melalui pengamatan dan pencatatan terhadap fenomena yang diteliti.}{\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \f31506\fs24\insrsid13781927\charrsid6958902  }{\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 
\f31506\fs24\lang1057\langfe1033\langnp1057\insrsid2702913\charrsid6958902 Dokumentasi merupakan salah satu metode/tehnik pengumpulan data yang banayak dipakai dalam penelitian kuialitatif.}{\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 
\f31506\fs24\insrsid13723072\charrsid6958902 
\par }{\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \f31506\fs24\cf6\insrsid13781927\charrsid6958902 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\f31506\cf1\lang1057\langfe1033\kerning28\langnp1057\insrsid5452494\charrsid6958902 \hich\af31506\dbch\af0\loch\f31506 III.\tab}}\pard \ltrpar\ql \fi-426\li426\ri0\sl276\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin426\itap0\pararsid6958902 {\rtlch\fcs1 \ab\af31506\afs24 \ltrch\fcs0 \b\f31506\fs24\lang1057\langfe1033\langnp1057\insrsid5452494\charrsid6958902 PEMBAHASAN}{\rtlch\fcs1 
\ab\af31506\afs24 \ltrch\fcs0 \b\f31506\fs24\insrsid7437546\charrsid6958902  }{\rtlch\fcs1 \ab\af31506\afs24 \ltrch\fcs0 \b\f31506\fs24\lang1057\langfe1033\langnp1057\insrsid13781927\charrsid6958902 
\par {\listtext\pard\plain\ltrpar \s17 \rtlch\fcs1 \ab\af0\alang3073 \ltrch\fcs0 \b\f31506\cf1\kerning28\insrsid83807\charrsid6958902 \hich\af31506\dbch\af0\loch\f31506 1.\tab}}\pard\plain \ltrpar\s17\ql \fi-283\li709\ri0\sl276\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls27\adjustright\rin0\lin709\itap0\pararsid6958902\contextualspace \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs20\cf1\lang1033\langfe1033\kerning28\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 
\ab\af31506\afs24\alang3073 \ltrch\fcs0 \b\f31506\fs24\insrsid83807\charrsid6958902 Pengertian Wakaf 
\par }\pard \ltrpar\s17\qj \fi708\li709\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin709\itap0\pararsid6958902\contextualspace {\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \f31506\fs24\insrsid83807\charrsid6958902 Kata}{
\rtlch\fcs1 \af31506\afs24\alang3073 \ltrch\fcs0 \f31506\fs24\insrsid83807\charrsid6958902  \'93 }{\rtlch\fcs1 \af31506\afs24\alang3073 \ltrch\fcs0 \i\f31506\fs24\insrsid83807\charrsid6958902 wakaf}{\rtlch\fcs1 \af31506\afs24\alang3073 \ltrch\fcs0 
\f31506\fs24\insrsid83807\charrsid6958902 \'94 atau }{\rtlch\fcs1 \af31506\afs24\alang3073 \ltrch\fcs0 \i\f31506\fs24\insrsid83807\charrsid6958902 \'93wacf\'94}{\rtlch\fcs1 \af31506\afs24\alang3073 \ltrch\fcs0 \f31506\fs24\insrsid83807\charrsid6958902 
 berasal dari bahasa arab }{\rtlch\fcs1 \af31506\afs24\alang3073 \ltrch\fcs0 \i\f31506\fs24\insrsid83807\charrsid6958902 \'94waqafa}{\rtlch\fcs1 \af31506\afs24\alang3073 \ltrch\fcs0 \f31506\fs24\insrsid83807\charrsid6958902 \'94 yang artinya }{
\rtlch\fcs1 \af31506\afs24\alang3073 \ltrch\fcs0 \i\f31506\fs24\insrsid83807\charrsid6958902 \'93menahan}{\rtlch\fcs1 \af31506\afs24\alang3073 \ltrch\fcs0 \f31506\fs24\insrsid83807\charrsid6958902 \'94 atau }{\rtlch\fcs1 \af31506\afs24\alang3073 
\ltrch\fcs0 \i\f31506\fs24\insrsid83807\charrsid6958902 \'93berhenti}{\rtlch\fcs1 \af31506\afs24\alang3073 \ltrch\fcs0 \f31506\fs24\insrsid83807\charrsid6958902 \'94 atau }{\rtlch\fcs1 \af31506\afs24\alang3073 \ltrch\fcs0 
\i\f31506\fs24\insrsid83807\charrsid6958902 \'93 diam di tempat\'94}{\rtlch\fcs1 \af31506\afs24\alang3073 \ltrch\fcs0 \f31506\fs24\insrsid83807\charrsid6958902 . Kata }{\rtlch\fcs1 \af31506\afs24\alang3073 \ltrch\fcs0 
\i\f31506\fs24\insrsid83807\charrsid6958902 \'93waqafa (fiil madi)-yaqifu (fiil mudari)-waqfan (isim masdar)\'94}{\rtlch\fcs1 \af31506\afs24\alang3073 \ltrch\fcs0 \f31506\fs24\insrsid83807\charrsid6958902  sama artinya dengan }{\rtlch\fcs1 
\af31506\afs24\alang3073 \ltrch\fcs0 \i\f31506\fs24\insrsid83807\charrsid6958902 \'93habasa-yahbisu-tahbisan\'94 }{\rtlch\fcs1 \ai\af31506\afs24\alang3073 \ltrch\fcs0 \f31506\fs24\insrsid83807\charrsid6958902 artinya mewakafkan (Ahmad, 2002: 1576).
\par }{\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \f31506\fs24\insrsid83807\charrsid6958902 Secara etimologi }{\rtlch\fcs1 \ai\af31506\afs24 \ltrch\fcs0 \i\f31506\fs24\insrsid83807\charrsid6958902 waqaf }{\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 
\f31506\fs24\insrsid83807\charrsid6958902 berarti menahan, mencegah, selamanya, tetap, paham, menghubungkan, mencabut, meninggalkan dan lain sebagainya (Luwis, 1937: 1014-1015).}{\rtlch\fcs1 \af31506\afs14 \ltrch\fcs0 
\f31506\fs14\insrsid83807\charrsid6958902  }{\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \f31506\fs24\insrsid83807\charrsid6958902 Menurut Salam Madkur (1961: 187) dalm kitabnya }{\rtlch\fcs1 \ai\af31506\afs24 \ltrch\fcs0 
\i\f31506\fs24\insrsid83807\charrsid6958902 al-Waqf }{\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \f31506\fs24\insrsid83807\charrsid6958902 mengatakan: \'93Walaupun para pakar hukum Islam telah sepakat dalam penggunaan kata }{\rtlch\fcs1 \ai\af31506\afs24 
\ltrch\fcs0 \i\f31506\fs24\insrsid83807\charrsid6958902 waqaf }{\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \f31506\fs24\insrsid83807\charrsid6958902 dengan arti menahan dan mencegah sesuai dengan arti bahasa, tetapi selanjutnya mereka beda pendapat.}{
\rtlch\fcs1 \ai\af31506\afs24\alang3073 \ltrch\fcs0 \f31506\fs24\insrsid83807\charrsid6958902 
\par }{\rtlch\fcs1 \af31506\afs24\alang3073 \ltrch\fcs0 \f31506\fs24\insrsid83807\charrsid6958902 Disebut menahan karena wakaf ditahan dari kerusakan, penjualan dan semua tindakan yang tidak sesuai dengan tujuan wakaf. Selain itu dikatakan }{\rtlch\fcs1 
\af31506\afs24 \ltrch\fcs0 \f31506\fs24\insrsid83807\charrsid6958902 menahan}{\rtlch\fcs1 \af31506\afs24\alang3073 \ltrch\fcs0 \f31506\fs24\insrsid83807\charrsid6958902 
 juga karena manfaat dan hasilnya ditahan dan dilarang bagi siapapun selain dari orang-orang yang berhak atas wakaf tersebut (Munir, 2005: 45). }{\rtlch\fcs1 \ai\af31506\afs24\alang3073 \ltrch\fcs0 \f31506\fs24\insrsid83807\charrsid6958902 
Sedangkan menurut kamus Bahasa Indonesia wakaf adalah pemberian yang ikhlas dari seseorang berupa benda bergerak atau tidak bergerak bagi kepentingan umum, atau badan yang dibentuk berkaitan dengan agama Islam (Tim Reality, 2008:672).
\par Para}{\rtlch\fcs1 \af31506\afs24\alang3073 \ltrch\fcs0 \f31506\fs24\insrsid83807\charrsid6958902  ahli fiqih}{\rtlch\fcs1 \ab\af31506\afs24\alang3073 \ltrch\fcs0 \b\f31506\fs24\insrsid83807\charrsid6958902  }{\rtlch\fcs1 \af31506\afs24\alang3073 
\ltrch\fcs0 \f31506\fs24\insrsid83807\charrsid6958902 dalam mendifinisikan wakaf mempunyai pandangan yang berbeda-beda (Depag, 2007: 2-3). Dibawah ini akan dijelaskan pengertian wakaf:
\par {\listtext\pard\plain\ltrpar \s17 \rtlch\fcs1 \af0\alang3073 \ltrch\fcs0 \f31506\cf1\kerning28\insrsid83807\charrsid6958902 \hich\af31506\dbch\af0\loch\f31506 a.\tab}}\pard \ltrpar\s17\qj \fi-284\li993\ri0\sl276\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls28\adjustright\rin0\lin993\itap0\pararsid6958902\contextualspace {\rtlch\fcs1 \af31506\afs24\alang3073 \ltrch\fcs0 \f31506\fs24\insrsid83807\charrsid6958902 
Menurut Abu Hanifah wakaf adalah menahan sesuatu benda yang menurut hukum tetap milik si wakif dalam rangka mempergunakan manfaatnya untuk kebajikan. Berdasarka
n difinisi tersebut maka kepemilikan atas benda wakaf tetap menjadi milik si wakif dan yang timbul dari wakif hanyalah menyedekahkan manfaatnya untuk digunakan oleh penerima wakaf.
\par {\listtext\pard\plain\ltrpar \s17 \rtlch\fcs1 \af0\alang3073 \ltrch\fcs0 \f31506\cf1\kerning28\insrsid83807\charrsid6958902 \hich\af31506\dbch\af0\loch\f31506 b.\tab} Menurut Maliki wakaf adalah tidak melepaskan harta yang diwakafkan dari
 kepemilikan wakif, namun wakaf tersebut mencegah }{\rtlch\fcs1 \ai\af31506\afs24\alang3073 \ltrch\fcs0 \i\f31506\fs24\insrsid83807\charrsid6958902 wakif}{\rtlch\fcs1 \af31506\afs24\alang3073 \ltrch\fcs0 \f31506\fs24\insrsid83807\charrsid6958902 
 melakukan tindakan yang dapat melepaskan kepemilikannya atas harta tersebut yang lain dan wakif berkewajiban menyedekahkan manfaatnya serta tidak boleh menarik kembali wakafnya.
\par {\listtext\pard\plain\ltrpar \s17 \rtlch\fcs1 \af0\alang3073 \ltrch\fcs0 \f31506\cf1\kerning28\insrsid83807\charrsid6958902 \hich\af31506\dbch\af0\loch\f31506 c.\tab}Menurut Syafi\rquote 
i dan Ahmad bin Hambal wakaf adalah melepaskan harta yang diwakafkan dari kepemilikan wakif setelah sempurna prosedur perwakafan. }{\rtlch\fcs1 \ai\af31506\afs24\alang3073 \ltrch\fcs0 \i\f31506\fs24\insrsid83807\charrsid6958902 Wakif}{\rtlch\fcs1 
\af31506\afs24\alang3073 \ltrch\fcs0 \f31506\fs24\insrsid83807\charrsid6958902  tidak boleh melakukan apa saja terhadap harta yang diwakafkan baik menjual, menghibahkan atau mewariskan kepada siapapun.
\par }\pard \ltrpar\s17\qj \fi708\li709\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin709\itap0\pararsid6958902\contextualspace {\rtlch\fcs1 \af31506\afs24\alang3073 \ltrch\fcs0 \f31506\fs24\insrsid83807\charrsid6958902 
Wakaf }{\rtlch\fcs1 \ai\af31506\afs24\alang3073 \ltrch\fcs0 \f31506\fs24\insrsid83807\charrsid6958902 adalah}{\rtlch\fcs1 \af31506\afs24\alang3073 \ltrch\fcs0 \f31506\fs24\insrsid83807\charrsid6958902 
 menyerahkan suatu hak milik yang tahan lama zatnya kepada seseorang atau nazhir (pemelihara/ pengurus wakaf) atau kepada suatu badan pengelola dengan ketentuan bahwa hasil atau manfaatnya dipergunakan sesuai dengan ajaran Islam. Benda yang d
iwakafkan tidak lagi menjadi hak milik yang mewakafkan dan bukan pula milik tempat menyerahkan, tetapi menjadi milik Allah (Abdul Halim, 2005: 7). Wakaf artinya menahan yaitu menahan sesuatu benda yang kekal zatnya untuk diambil manfaatnya bagi kemaslahat
an umum (Manan, 2009: 252).
\par Sehingga pengertian wakaf adalah menahan harta yang dapat diambil manfaatnya serta kekal bendanya, dan menyerahkannya ke tempat-tempat yang telah ditentukan syara\rquote  serta terlarang berleluasa pada barang-barang yang dimanfaatkanya
 itu. Wakaf sebagai salah satu amal yang sangat dianjurkan dalam Islam sebab pahalanya tidak akan terputus selama barang yang diwakafkannya masih dipakai orang dan benda yang diwakafkan merupakan hak Allah, oleh sebab itu tidak boleh dimiliki, dijual, diw
ariskan atau dihibahkan kepada siapapun (Ibnu Mas\rquote Ud, 2007: 155).
\par {\listtext\pard\plain\ltrpar \s17 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\f31506\cf1\kerning28\insrsid83807\charrsid6958902 \hich\af31506\dbch\af0\loch\f31506 2.\tab}}\pard \ltrpar\s17\ql \fi-283\li709\ri0\sl276\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls27\adjustright\rin0\lin709\itap0\pararsid6958902\contextualspace {\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \b\f31506\fs24\insrsid83807\charrsid6958902 Praktek Wakaf Sebelum Islam
\par }\pard \ltrpar\s17\qj \fi708\li709\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin709\itap0\pararsid6958902\contextualspace {\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \f31506\fs24\insrsid83807\charrsid6958902 
Definisi wakaf ialah menyerahkan harta benda yang tidak boleh dimiliki kepada seseorang atau lembaga untuk dikelola, dan manfaatnya didermakan kepada orang fakir, miskin atau untuk kepentingan publik. Praktek wakaf telah dikenal sejak dulu sebelum hadirny
a
 agama Islam yang dibawa oleh nabi Muhammad SAW, meskipun dengan nama dan istilah yang berbeda. Hal ini terbukti bahwa banyak tempat-tempat ibadah yang terletak di suatu tanah yang pekarangannya dikelola dan hasilnya untuk membiayai perawatan dan honor ya
n
g merawat tempat ibadah. Sebab sebelum terutusnya Nabi Muhammad SAW, telah banyak masjid, seperti masjid Haram dan masjid Al Aqsha telah berdiri sebelum hadirnya Islam dan bukan hak milik siapapun juga tetapi milik Allah SWT untuk kemaslahatan umat (Kemen
ag, 2004: 7).
\par {\listtext\pard\plain\ltrpar \s17 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\f31506\cf1\kerning28\insrsid83807\charrsid6958902 \hich\af31506\dbch\af0\loch\f31506 3.\tab}}\pard \ltrpar\s17\ql \fi-283\li709\ri0\sl276\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls27\adjustright\rin0\lin709\itap0\pararsid6958902\contextualspace {\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \b\f31506\fs24\insrsid83807\charrsid6958902 Wakaf Pada Masa Rasulullah SAW
\par }\pard \ltrpar\s17\qj \fi708\li709\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin709\itap0\pararsid6958902\contextualspace {\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \f31506\fs24\insrsid83807\charrsid6958902 
Dalam sejarah Islam Wakaf dikenal sejak masa Rasulullah SAW karena wakaf disyari\rquote atkan setelah Nabi SAW berhijrah ke Madinah, pada tahun kedua hijriyah. Ada dua pendapat yang berkembang di kalangan yurispruden
si Islam (fuqaha) tentang siapa yang pertama kali melaksanakan wakaf adalah Rasulullah SAW, ialah wakaf tanah milik Nabi SAW untuk di bangun masjid. Pendapat ini berdasarkan hadist yang diriwayatkan oleh Umar bin Syabah dari \lquote Amr bin Sa\rquote 
ad bin Mu\rquote ad (Kemenag, 2007: 8-9).
\par Pelaksanaan wakaf yang dianjurkan oleh Nabi yang dicontohkan oleh Umar bin Khattab dan diikuti oleh beberapa sahabat Nabi yang lain sangat menekankan pentingnya menahan eksistensi benda wakaf, dan diperintahkan untuk menyedekahkan hasil dar
i pengelolaan benda tersebut. Pemahaman yang paling mudah untuk dipahami dari maksud Nabi adalah bahwa substansi ajaran wakaf itu tidak semata-mata terletak pada pemeliharaan bendanya (wakaf). Tetapi yang lebih penting adalah bagaimana mengelola dan dapat
 memberikan nilai manfaat dari benda tersebut untuk membantu kepentingan umum (Halim, 2005: 99).
\par {\listtext\pard\plain\ltrpar \s17 \rtlch\fcs1 \af0 \ltrch\fcs0 \b\f31506\cf1\kerning28\insrsid83807\charrsid6958902 \hich\af31506\dbch\af0\loch\f31506 4.\tab}}\pard \ltrpar\s17\ql \fi-283\li709\ri0\sl276\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls27\adjustright\rin0\lin709\itap0\pararsid6958902\contextualspace {\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \b\f31506\fs24\insrsid83807\charrsid6958902 Wakaf Pada masa Dinasti-dinasti Islam
\par }\pard \ltrpar\s17\qj \fi708\li709\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin709\itap0\pararsid6958902\contextualspace {\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \f31506\fs24\insrsid83807\charrsid6958902 
Praktek wakaf menjadi lebih luas pada masa dinasti Umayah dan dinasti Abbasiyah, semua orang berduyun-duyun untuk melak
sanakan wakaf, dan wakaf tidak hanya untuk orang-orang fakir dan miskin saja, tetapi wakaf menjadi modal untuk membangun lembaga pendidikan, membangun perpustakaan dan membayar gaji para staffnya, gaji para guru dan beasiswa untuk para siswa dan mahasiswa
nya. Antusiasme masyarakat kepada pelaksanaan wakaf telah menarik perhatian Negara untuk mengatur pengelolaan wakaf sebagai sektor untuk membangun solidaritas sosial dan ekonomi masyarakat (Kemenag, 2007: 10-11).
\par Pada masa dinasti Umayah terbentuk lembaga w
akaf tersendiri sebagaimana lembaga lainnya di bawah pengawasan hakim, sejak itulah pengelolaan lembaga wakaf di bawah Departemen Kehakiman yang dikelola dengan baik dan hasilnya disalurkan kepada yang berhak dan yang membutuhkan. Sedangkan pada masa dina
sti Abbasiyah terdapat lembaga wakaf yang disebut dengan }{\rtlch\fcs1 \ai\af31506\afs24 \ltrch\fcs0 \i\f31506\fs24\insrsid83807\charrsid6958902 \'93Shadr al wuquuf\'94}{\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \f31506\fs24\insrsid83807\charrsid6958902 
 yang mengurus administrasi dan memilih staf pengelola lembaga wakaf. Demikian perkembangan wakaf pada masa dinasti Umawiyah dan Abbasiyah yang manfaatnya dapat dirasakan oleh masyara
kat, sehingga lembaga wakaf berkembang searah dengan pengaturan administrasinya.}{\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \f31506\fs24\insrsid83807 
\par }{\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \f31506\fs24\insrsid6958902 
\par }{\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \f31506\fs24\insrsid6958902\charrsid6958902 
\par {\listtext\pard\plain\ltrpar \s17 \rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\f31506\cf1\kerning28\insrsid83807\charrsid6958902 \hich\af31506\dbch\af0\loch\f31506 5.\tab}}\pard \ltrpar\s17\ql \fi-283\li709\ri0\sl276\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls27\adjustright\rin0\lin709\itap0\pararsid6958902\contextualspace {\rtlch\fcs1 \ab\af31506\afs24 \ltrch\fcs0 \b\f31506\fs24\insrsid83807\charrsid6958902 Wakaf Sebagai Salah Satu Nilai Instrumental Ekonomi

\par }\pard \ltrpar\s17\qj \fi708\li709\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin709\itap0\pararsid6958902\contextualspace {\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \f31506\fs24\insrsid83807\charrsid6958902 
Dalam ajaran Islam, ekonomi haruslah berlandaskan tauhid (keesaan Allah). Keesaan Allah adalah prinsip pertama ajaran Is
lam oleh karena manusia itu adalah khalifah Allah, maka segala kegiatannya, termasuk kegiatan ekonominya harus berlandaskan tauhid. Setiap ikatan atau hubungan antara seseorang dengan orang lain dan penghasilan yang diperolehnya yang tidak sesuai dengan a
j
aran tauhid adalah ikatan atau hubungan yang Islami. Dengan demikian realitas dari adanya hak milik mutlak tidak dapat diterima dalam Islam, sebab hal ini berarti mengingkari tauhid. Menurut ajaran Islam hak milik mutlak hanya pada Allah saja (Arif, 2002:
 128).}{\rtlch\fcs1 \af31506\afs16 \ltrch\fcs0 \f31506\fs16\insrsid83807\charrsid6958902 
\par }{\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \f31506\fs24\insrsid83807\charrsid6958902 
Zakat dan Wakaf merupakan nilai instrumental Sistem Ekonomi Islam. Kedua lembaga ini merupakan sarana yang sangat erat hubungannya dengan pemilikan, pemilikan adalah soal yang sangat penting dilihat dari sudut pandang Islam, sebab, selain ia merupaka
n dari nilai dasar Sistem Ekonomi Islam, ia juga menyangkut hubungan manusia dengan benda atau harta kekayaan yang dimilikinya (Ali, 1988: V), mengenai:
\par {\listtext\pard\plain\ltrpar \s17 \rtlch\fcs1 \af0 \ltrch\fcs0 \f31506\cf1\kerning28\insrsid83807\charrsid6958902 \hich\af31506\dbch\af0\loch\f31506 a.\tab}}\pard \ltrpar\s17\qj \fi-284\li993\ri0\sl276\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls29\adjustright\rin0\lin993\itap0\pararsid6958902\contextualspace {\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \f31506\fs24\insrsid83807\charrsid6958902 Cara memperolehnya
\par {\listtext\pard\plain\ltrpar \s17 \rtlch\fcs1 \af0 \ltrch\fcs0 \f31506\cf1\kerning28\insrsid83807\charrsid6958902 \hich\af31506\dbch\af0\loch\f31506 b.\tab}Fungsi hak milik itu
\par {\listtext\pard\plain\ltrpar \s17 \rtlch\fcs1 \af0 \ltrch\fcs0 \f31506\cf1\kerning28\insrsid83807\charrsid6958902 \hich\af31506\dbch\af0\loch\f31506 c.\tab}Cara memanfaatkannya
\par }\pard \ltrpar\s17\qj \fi708\li709\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin709\itap0\pararsid6958902\contextualspace {\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \f31506\fs24\insrsid83807\charrsid6958902 
Mengenai cara memanfaatkan harta 
atau rezeki yang diberikan Tuhan, ajaran Islam memberikan pedoman dan wadah yang jelas. Di antaranya adalah melalui zakat sebagai sarana distribusi pendapatan dan pemerataan rezeki, dan wakaf sebagai sarana berbuat kebajikan bagi kepentingan masyarakat.

\par }\pard \ltrpar\s17\ql \li426\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin426\itap0\pararsid6958902\contextualspace {\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \b\f31506\fs24\insrsid83807\charrsid6958902 Wakaf Produktif

\par }\pard \ltrpar\s17\qj \fi708\li426\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin426\itap0\pararsid6958902\contextualspace {\rtlch\fcs1 \af31506\afs24\alang3073 \ltrch\fcs0 \f31506\fs24\insrsid83807\charrsid6958902 
Sudono Sukirno (1999: 202) merumuskan bahwa produktif (kata sifat yang }{\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \f31506\fs24\insrsid83807\charrsid6958902 berasal}{\rtlch\fcs1 \af31506\afs24\alang3073 \ltrch\fcs0 \f31506\fs24\insrsid83807\charrsid6958902 
 dari kata }{\rtlch\fcs1 \af31506\afs24\alang3073 \ltrch\fcs0 \i\f31506\fs24\insrsid83807\charrsid6958902 product}{\rtlch\fcs1 \af31506\afs24\alang3073 \ltrch\fcs0 \f31506\fs24\insrsid83807\charrsid6958902 
) diartikan sebagai proses operasi untuk menghasilkan barang atau jasa yang maksimum dengan modal yang minimum. Konsep wakaf produktif pada dasarn
ya dilandasi oleh ketidak puasan pihak pemerintah (terutama Departemen Agama) terhadap pengelolaan harta wakaf yang dilakukan nazhir yang berjalan selama ini, sehingga lahirnya UU Nomer 41 Tahun 2004 Tentang wakaf dan PP Nomer 42 Tahun 2006 Tentang Pelaks
anaan UU Nomer 41 Tahun 2004 adalah bagian dari semangat memperbaharui dan memperluas cakupan obyek wakaf dan pengelolaannya agar mendapatkan manfaat yang maksimum (Jaih, 2011: 15).
\par Wakaf produktif secara terminologi adalah transformasi (proses penambahan n
ilai) dari pengelolaan wakaf yang alami menjadi pengelolaan wakaf yang profesional untuk meningkatkan atau menambah manfaat wakaf. Selain itu, wakaf produktif dapat diartikan sebagai proses pengelolaan benda wakaf untuk meningkatkan (memaksimalkan) fungsi
-
fungsi wakaf agar dapat memenuhi kebutuhan para pihak yang berhak menerima manfaatnya, sehingga dengan terpenuhinya kebutuhan para pihak yang berhak menerima manfaatnya maka wakaf dalam batasan-batasan tertentu telah berfungsi untuk menyejahterakan masyar
akat (Mubarok, 2011: 16).
\par Contoh harta wakaf yang termasuk dalam wakaf produktif antara lain adalah:
\par {\listtext\pard\plain\ltrpar \s17 \rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\f31506\cf1\kerning28\insrsid83807\charrsid6958902 \hich\af31506\dbch\af0\loch\f31506 1.\tab}}\pard \ltrpar\s17\qj \fi-283\li709\ri0\sl276\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls31\adjustright\rin0\lin709\itap0\pararsid6958902\contextualspace {\rtlch\fcs1 \ab\af31506\afs24 \ltrch\fcs0 \b\f31506\fs24\insrsid83807\charrsid6958902 Wakaf}{\rtlch\fcs1 \ab\af31506\afs24\alang3073 
\ltrch\fcs0 \b\f31506\fs24\insrsid83807\charrsid6958902  Uang 
\par }\pard \ltrpar\s17\qj \fi708\li709\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin709\itap0\pararsid6958902\contextualspace {\rtlch\fcs1 \af31506\afs24\alang3073 \ltrch\fcs0 \f31506\fs24\insrsid83807\charrsid6958902 
Wakaf uang adalah wakaf yang dilakukan oleh seseorang/ }{\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \f31506\fs24\insrsid83807\charrsid6958902 badan}{\rtlch\fcs1 \af31506\afs24\alang3073 \ltrch\fcs0 \f31506\fs24\insrsid83807\charrsid6958902 
 hukum dalam bentuk uang tunai (Manan, 2001: 29). Tujuan wakaf uang adalah (1) membantu penggalangan tabungan sosial melalui sertifikat wakaf uang sehingga menciptakan integrasi kekeluargaan diantara umat, (2) meningkatkan investasi sosial dan mentransfor
m
asikan tabungan sosial menjadi modal sosial, (3) menciptakan kesadaran orang kaya terhadap tanggung jawab sosial mereka terhadap masyarakat sekitarnya sehingga keamanan dan kedamaian dapat tercapai. Sehingga wakaf uang hanya boleh digunakan dan disalurkan
 untuk hal-hal yang di perbolehkan oleh syar\rquote i, misalnya uang yang diwakafkan dijadikan modal usaha sehingga secara hukum tidak habis sekali pakai dan yang disedekahkan adalah hasil dari usaha yang dilakukan oleh nazhir / pengelola.
\par Wakaf uang dapat dilakuk
an secara mutlak dan juga secara terbatas. Wakaf uang secara mutlak dan terbatas dapat dilihat dari segi usaha yang dilakukan oleh nazhir (bebas melakukan berbagai jenis usaha yang halal/ terbatas pada jenis usaha tertentu) dan dari segi penerima manfaatn
ya (ditentukan /tidak ditentukan pihak-pihak yang berhak menerima manfaat wakaf). Hukum wakaf uang adalah boleh.
\par Menurut perhitungan dan perkiraan ekonomi, wakaf uang dapat dilakukan dengan cara menjadikannya sebagai modal usaha. Cara ini memungkinkan uang 
(modal) terpelihara seperti dalam sebuah lembaga seperti bank yang bonafide dan keuntungannya dapat disalurkan sebagai hasil wakaf. Untuk lebih amannya lagi harus dilindungi oleh lembaga penjamin (Asuransi Syariah) sebagai upaya menghindari kegagalan usah
a. Dengan demikian uang yang diwakafkan dapat digantinya, sehingga uangnya tetap masih ada dan tidak hilang (Kemenag, 2001: 46).
\par {\listtext\pard\plain\ltrpar \s17 \rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\f31506\cf1\kerning28\insrsid83807\charrsid6958902 \hich\af31506\dbch\af0\loch\f31506 2.\tab}}\pard \ltrpar\s17\qj \fi-283\li709\ri0\sl276\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls31\adjustright\rin0\lin709\itap0\pararsid6958902\contextualspace {\rtlch\fcs1 \ab\af31506\afs24 \ltrch\fcs0 \b\f31506\fs24\insrsid83807\charrsid6958902 Wakaf}{\rtlch\fcs1 \ab\af31506\afs24\alang3073 
\ltrch\fcs0 \b\f31506\fs24\insrsid83807\charrsid6958902  Saham
\par }\pard \ltrpar\s17\qj \fi708\li709\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin709\itap0\pararsid6958902\contextualspace {\rtlch\fcs1 \af31506\afs24\alang3073 \ltrch\fcs0 \f31506\fs24\insrsid83807\charrsid6958902 
Saham adalah tanda penyerahan modal pada suatu perusahaan terbatas. Saham juga berarti sertifikat yang menunjukka
n bukti kepemilikan suatu perusahaan dan pemegangnya memiliki hak klaim atas penghasilan dan aktiva perusahaan. Manfaat saham adalah (1) deviden yaitu bagian dari keuntungan perusahaan yang dibagikan kepada pemilik saham, (2) Capital gain yaitu keuntungan
 yang di peroleh dari selisih jual harga belinya, dan (3) manfaat non materiel yaitu timbulnya kerusakan/ memperoleh hak suara dalam menentukan jalannya perusahaan (Jaih, 2006: 129).
\par Pemilik saham dapat mendaftarkan wakaf saham kepada lembaga keuangan syari
ah penerima wakaf uang (LKS-PWU) karena saham dapat dianggap sama dengan uang. Wakaf saham memerlukan Institusi yang bekerja secara profesional yang bertugas mengelola saham-saham wakaf. Institusi tersebut dapat berupa perusahaan pengelola dana wakaf atau
 Reksa Dana Syariah agar saham yang diwakafkan dapat mendatangkan manfaat yang maksimum dan saham yang dijadikan obyek wakaf di investasikan pada bidang-bidang usaha yang halal dan terhindar dari riba.
\par {\listtext\pard\plain\ltrpar \s17 \rtlch\fcs1 \ab\af0\alang3073 \ltrch\fcs0 \b\f31506\cf1\kerning28\insrsid83807\charrsid6958902 \hich\af31506\dbch\af0\loch\f31506 3.\tab}}\pard \ltrpar\s17\qj \fi-283\li709\ri0\sl276\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls31\adjustright\rin0\lin709\itap0\pararsid6958902\contextualspace {\rtlch\fcs1 \ab\af31506\afs24\alang3073 \ltrch\fcs0 \b\f31506\fs24\insrsid83807\charrsid6958902 Wakaf Obligasi Syariah 
\par }\pard \ltrpar\s17\qj \fi708\li709\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin709\itap0\pararsid6958902\contextualspace {\rtlch\fcs1 \af31506\afs24\alang3073 \ltrch\fcs0 \f31506\fs24\insrsid83807\charrsid6958902 
Obligasi syariah adalah sura
t berharga jangka panjang berdasarkan prinsip syariah yang dikeluarkan oleh pengelola kepada pemegang obligasi syariah. Pengelola diwajibkan untuk membayar pendapatan kepada pemegang obligasi syariah berupa hasil/ margin/ fee, serta membayar kembali oblig
asi pada saat jatuh tempo. Wakaf obligasi syariah termasuk wakaf jangka waktunya terbatas karena obligasi syariah sama dengan obligasi pada umumnya yaitu surat utang jangka panjang yang waktunya terbatas/ jatuh tempo.
\par Pemilik/ pemegang obligasi syariah dapa
t mewakafkan obligasi ke (LKS-PWU/Obligasi) untuk diterbitkan sertifikatnya. Wakaf obligasi syariah dapat dilakukan dengan akad mudharabah atau ijaroh karena terhindar dari usaha yang riba dan haram. Obligasi mudharabah adalah akad kerjasama antara pemili
k
 modal dengan pengelola. Pemilik modal menyediakan dana secara penuh (100%) dalam satu kegiatan usaha, sedangkan pengelola mengelola harta secara penuh dan mandiri dalam bentuk aset pada kegiatan usaha kepada pengelola untuk mengambil manfaat dari barang 
yang dikelolanya, dan pengelola berkewajiban memberikan imbalan kepada pemilik harta (Jaih, 2006: 133-135).
\par {\listtext\pard\plain\ltrpar \s17 \rtlch\fcs1 \ab\af0\alang3073 \ltrch\fcs0 \b\f31506\cf1\kerning28\insrsid83807\charrsid6958902 \hich\af31506\dbch\af0\loch\f31506 4.\tab}}\pard \ltrpar\s17\qj \fi-283\li709\ri0\sl276\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls31\adjustright\rin0\lin709\itap0\pararsid6958902\contextualspace {\rtlch\fcs1 \ab\af31506\afs24\alang3073 \ltrch\fcs0 \b\f31506\fs24\insrsid83807\charrsid6958902 Wakaf Surat Berharga Syariah Negara (SBSN)

\par }\pard \ltrpar\s17\qj \fi708\li709\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin709\itap0\pararsid6958902\contextualspace {\rtlch\fcs1 \af31506\afs24\alang3073 \ltrch\fcs0 \f31506\fs24\insrsid83807\charrsid6958902 
SBSN secara konseptual sama dengan surat utang negara (SUN) yaitu surat berharga berupa surat pengakuan
 utang, baik dalam mata uang rupiah maupun valuta asing yang di jamin pembayarannya imbalan/ margin dan pokoknya oleh negara sesuai dengan masa berlakunya. Dimana pemegang SBSN mewakafkan SBSN yang dimiliki dengan cara mendaftarkannya ke LKS-PWU/ SBSN gun
a menerbitkan akta dan sertifikatnya. SBSN adalah obyek wakaf, LKS-PWU bertindak sebagai nazhir, dan hasilnya (imbalan dan atau nilai nominal SBSN yang diwakafkan) adalah manfaat yang disedekahkan kepada pihak yang berhak menerimanya. SBSN }{\rtlch\fcs1 
\af31506\afs24 \ltrch\fcs0 \f31506\fs24\insrsid83807\charrsid6958902 diwakafkan dengan akad mudharabah, ijaroh, musyarokah, dan}{\rtlch\fcs1 \af31506\afs24\alang3073 \ltrch\fcs0 \f31506\fs24\insrsid83807\charrsid6958902  lain-lain (Jaih, 2006: 136-145).

\par {\listtext\pard\plain\ltrpar \s17 \rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\f31506\cf1\kerning28\insrsid83807\charrsid6958902 \hich\af31506\dbch\af0\loch\f31506 5.\tab}}\pard \ltrpar\s17\qj \fi-283\li709\ri0\sl276\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls31\adjustright\rin0\lin709\itap0\pararsid6958902\contextualspace {\rtlch\fcs1 \ab\af31506\afs24 \ltrch\fcs0 \b\f31506\fs24\insrsid83807\charrsid6958902 Wakaf Hak Milik Atas Satuan Rumah Susun\tab 
\par }\pard \ltrpar\s17\qj \fi708\li709\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin709\itap0\pararsid6958902\contextualspace {\rtlch\fcs1 \af31506\afs24\alang3073 \ltrch\fcs0 \f31506\fs24\insrsid83807\charrsid6958902 
Salah}{\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \f31506\fs24\insrsid83807\charrsid6958902  satu obyek wakaf yang tergolong baru yang diatur dalam UU }{\rtlch\fcs1 \af31506\afs24\alang3073 \ltrch\fcs0 \f31506\fs24\insrsid83807\charrsid6958902 Nomer}{
\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \f31506\fs24\insrsid83807\charrsid6958902  41 Tahun 2004 adalah Hak Milik Atas Satuan Rumah Susun. Rumah susun
 adalah bangunan gedung bertingkat yang dibangun dalam suatu lingkungan, yang terbagi dalam bagian-bagian yang distrukturkan secara fungsional dalam arah horisontal dan vertikal, serta merupakan satuan-satuan yang dapat dimiliki dan digunakan secara terpi
sah, terutama untuk tempat hunian yang dilengkapi dengan bagian bersama, benda bersama dan tanah bersama.
\par }{\rtlch\fcs1 \af31506\afs24\alang3073 \ltrch\fcs0 \f31506\fs24\insrsid83807\charrsid6958902 Satuan}{\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \f31506\fs24\insrsid83807\charrsid6958902 
 rumah susun adalah rumah susun yang tujuan utamanya digunakan secara terpisah sebagai tempat hunian yang mempunyai sarana penghubung kejalan umum. Hak Milik Atas Rumah Susun adalah hak milik perseorangan dan terpisah. Pemilik atas satuan rumah }{
\rtlch\fcs1 \af31506\afs24\alang3073 \ltrch\fcs0 \f31506\fs24\insrsid83807\charrsid6958902 susun}{\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \f31506\fs24\insrsid83807\charrsid6958902 
 dibuktikan dengan akta yaitu sertifikat hak milik atas satuan rumah susun yang terdiri atas: (1) salinan buku tanah dan surat ukur atas hak tanah bers
ama, (2) gambar denah tingkat rumah susun yang menunjukan satuan rumah susun yang dimiliki, (3) pertelaan besarnya bagian hak atas bagian bersama, benda bersama, dan tanah bersama. Semuanya merupakan satu kesatuan yang tidak terpisahkan. Hak milik atas sa
t
uan raumah susun dapat beralih dengan cara perwakafan atau dengan cara pemindahan hak sesuai dengan ketentuan hukum yamg berlaku. Pemindahan hak atas satuan rumah susun dilakukan dengan akta pejabat pembuat akta tanah dan didaftarkan pada kantor pertanaha
n/ agraria kabupaten/ kota setempat.
\par }{\rtlch\fcs1 \af31506\afs24\alang3073 \ltrch\fcs0 \f31506\fs24\insrsid83807\charrsid6958902 Fungsi}{\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \f31506\fs24\insrsid83807\charrsid6958902 
 utama rumah, rumah susun/satuan rumah susun adalah sebagai tempat tinggal. Oleh karena itu, jika seseorang atau pihak tertentu mewakafkan satuan rumah susun fungsi utamanya adalah tempat }{\rtlch\fcs1 \af31506\afs24\alang3073 \ltrch\fcs0 
\f31506\fs24\insrsid83807\charrsid6958902 tinggal}{\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \f31506\fs24\insrsid83807\charrsid6958902 . Tetapi jika pihak
 atau para pihak yang berhak menerima manfaat mereka dapat menyewakan kepada pihak lain dan mereka dapat memanfaatkan uang sewanya. Wakaf satuan rumah susun akan bernilai ekonomis jika keberadaannya menjadi pelengkap para nazhir dan pihak-pihak yang berha
k menerima manfaat wakaf satuan rumah susun }{\rtlch\fcs1 \af31506\afs24\alang3073 \ltrch\fcs0 \f31506\fs24\insrsid83807\charrsid6958902 (Jaih, 2006: 87-92)}{\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \f31506\fs24\insrsid83807\charrsid6958902 .
\par {\listtext\pard\plain\ltrpar \s17 \rtlch\fcs1 \ab\af0 \ltrch\fcs0 \b\f31506\cf1\kerning28\insrsid83807\charrsid6958902 \hich\af31506\dbch\af0\loch\f31506 6.\tab}}\pard \ltrpar\s17\qj \fi-283\li709\ri0\sl276\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls31\adjustright\rin0\lin709\itap0\pararsid6958902\contextualspace {\rtlch\fcs1 \ab\af31506\afs24 \ltrch\fcs0 \b\f31506\fs24\insrsid83807\charrsid6958902 Wakaf Hak Atas Kekayaan Intelektual (HAKI)
\par }\pard \ltrpar\s17\qj \fi708\li709\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin709\itap0\pararsid6958902\contextualspace {\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \f31506\fs24\insrsid83807\charrsid6958902 
Hak Milik Intelektual adalah hak kebendaan yang diakui oleh hukum atas benda yang tidak berwujud berupa kreasi intelektual (Munir, 2005: 203). Richard Burton Simatupang menjelaskan bahwa hak milik intelektual dapat dibedakan menjadi dua yaitu }{
\rtlch\fcs1 \ai\af31506\afs24 \ltrch\fcs0 \i\f31506\fs24\insrsid83807\charrsid6958902 pertama}{\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \f31506\fs24\insrsid83807\charrsid6958902 , hak milik industri terdiri dari paten, merek, desain produk industri, }{
\rtlch\fcs1 \ai\af31506\afs24 \ltrch\fcs0 \i\f31506\fs24\insrsid83807\charrsid6958902 kedua, }{\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \f31506\fs24\insrsid83807\charrsid6958902 hak cipta terdiri dari karya ilmiah, karya sastra dan seni (Richard, 2003
: 67-68). Sebagai contoh pengalaman empiris, Hanafi (alm) salah seorang dosen Fakultas Syariah IAIN Sunan Gunung Djati telah mewakafkan salah satu bukunya kepada HMI korkom IAIN SGD dan Nasuka Purnawirawan telah mewakafkan bukunya tentang teori sistem yan
g diterbitkan oleh prenada media (Jakarta) ke program pasca sarjana UIN Sunun Gunung Djati Bandung }{\rtlch\fcs1 \af31506\afs24\alang3073 \ltrch\fcs0 \f31506\fs24\insrsid83807\charrsid6958902 (Jaih, 2006: 101)}{\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 
\f31506\fs24\insrsid83807\charrsid6958902 .
\par }{\rtlch\fcs1 \af31506\afs24\alang3073 \ltrch\fcs0 \f31506\fs24\insrsid83807\charrsid6958902 Dapat }{\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \f31506\fs24\insrsid83807\charrsid6958902 disimpulkan}{\rtlch\fcs1 \af31506\afs24\alang3073 \ltrch\fcs0 
\f31506\fs24\insrsid83807\charrsid6958902  bahwa perbedaan wakaf langsung (non-produktif) dengan wakaf produktif adalah terletak pada pola manajemen dan cara pelest
arian wakaf. Wakaf langsung (non-produktif) membutuhkan biaya untuk perawatan yang dananya diperoleh dari luar benda wakaf, sedangkan wakaf produktif sebagian hasilnya dipergunakan untuk merawat dan melestarikan benda wakaf, selebihnya untuk dibagikan kep
ada orang-orang yang berhak sesuai dengan tujuan wakaf.
\par }\pard \ltrpar\s17\qj \fi708\li426\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin426\itap0\pararsid6958902\contextualspace {\rtlch\fcs1 \af31506\afs24\alang3073 \ltrch\fcs0 \f31506\fs24\insrsid83807\charrsid6958902 
Penulis}{\rtlch\fcs1 \ab\af31506\afs24 \ltrch\fcs0 \f31506\fs24\insrsid83807\charrsid6958902  berpendapat }{\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \f31506\fs24\insrsid83807\charrsid6958902 
Dalam rangka mendukung perwakafan maka diterbitan pembaruan sistem Hukum Agraria dengan Undang-undang Agraria No. 5 Tahun 1960 didalam pasal 49 terdapat masalah tentang wakaf yang mendapat perhatian khusus \'93
hak milik atas tanah-tanah badan keagamaan dan sosial sepanjang dipergunakan untuk usaha dalam bidang keagamaan dan sosial diakui dan dilindungi, badanbadan tersebut dijamin pula akan memperoleh tanah yang cukup untuk bangunan dan
 usahanya dalam bidang keagamaan dan sosial.\'94
 Kemudian ditindaklanjuti dengan PP No. 28 Tahun 1977 tentang perwakafan tanak milik. Peraturan Menteri Agama No. 1 Tahun 1978 tentang pelaksanaan PP No. 28 tahun 1977. Instruksi Presiden RI No. 1 Tahun 1991 ten
tang Kompilasi Hukum Islam (KHI). Dan dikeluarkan Undang-undang No. 41 Tahun 2004 tentang Wakaf serta mengatur secara khusus membahas tentang Badan Wakaf Indonesia (BWI) dalam rangka memajukan dan mengembangkan perwakafan Nasional. 
\par Dengan adanya Undang-un
dang No. 41 tahun 2004 tentang wakaf akan membuat wakaf semakin berkembang dan mempunyai dasar hukum yang kuat. Karena aturan-aturan sebelumnya mengatur permasalahan wakaf hanya pada ruang lingkup tanah ataupun benda yang tidak bergerak lainnya, yang menj
adikan wakaf kurang optimal dalam perkembangannya. Maka dengan aturan didalam Undang-undang No. 41 tahun 2004 menjadi wacana baru dalam perkembangan wakaf (Manan, 2008: 236).
\par Sehingga potensi wakaf produktif sebagai sarana untuk memajukan kesejahteraan umat
 dapat mengasilkan hal yang positif, apabila dikelolanya serta diperdayagunakan secara maksimal oleh masyarakat. Jika harta wakaf bisa dikelola secara baik dan profesional, maka hasilnya bisa dihimpun sebagai faktor produksi untuk investasi dari hasil ass
et wakaf untuk dijadikan modal finansial bagi kesejahteran umat.
\par Salah satu upaya strategis yang dilakukan oleh pemerintah untuk mengembangkan l
embaga wakaf dan memberdayakan potensinya sehingga berdampak positif terhadap kehidupan sosial dan ekonomi umat Islam, yaitu pemerintah terus berupaya agar pengelola wakaf dapat berjalan dengan baik dan memberikan harapan bagi perbaikan kesejahteraan masy
a
rakat. Langkah yang dilakukannya adalah dikembangkan sistim pengelolaan dan pengembangan wakaf yang sesuai dengan tuntutan dan perkembangan yang terjadi serta sesuai garis kebijakan pemerintah. Untuk mencapai arah dan tujuan tersebut perlu diadakan pembah
aruan hukum wakaf yang diperlukan di Indonesia.
\par Reformasi hukum wakaf yang dilaksanakan adalah memberikan akses dan kemudahan bagi umat Islam untuk meningkatkan lembaga sosial dan ekonomi Islam dalam tatanan hukum positif dalam bentuk Undang-undang. Hal ter
sebut diperlukan untuk memberikan kebebasan dan tempat bagi umat Islam dengan seminimal mungkin terhindar dari perlakuan yang diskriminatif. Guna mewujudkan sistim hukum nasional yang berpijak pada hukum yang hidup didalam masyarakat, maka hukum Islam seb
agai bagian sistim hukum nasional harus dijadikan sumber hukum dalam pembentukan hukum nasional.
\par Problem yang terbesar bidang hukum di Indonesia pada saat sekarang adalah supremasi dan hak asasi manusia berdasarkan keadilan dan kebenaran secara obyektif mas
ih jauh dari harapan masyarakat. Salah satu yang mempengaruhi adalah belum terciptanya materi hukum yang berpijak pada keyakinan yang tumbuh dan dipelihara oleh masyarakat baik berdasarkan kebiasaan maupun berdasarkan agama (Bimas, 2004: 55-56).
\par Lembaga wakaf (berikut pengelolaannya), walaupun secara }{\rtlch\fcs1 \ai\af31506\afs24 \ltrch\fcs0 \i\f31506\fs24\insrsid83807\charrsid6958902 qoth\rquote i }{\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \f31506\fs24\insrsid83807\charrsid6958902 
tidak disebutkan dalam al-Qur\rquote an, tetapi setidaknya dalam kenyataan telah menjadi bagian yang diakui eksistensinya di dalam pergaulan hidup umat Islam. Oleh karena itu sudah sepatutnyalah negara dalam ha
l ini memberikan tempat lembaga wakaf diatur didalam suatu undang-undang khusus.}{\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \f31506\fs24\cf6\insrsid4528428\charrsid6958902 
\par }\pard\plain \ltrpar\s36\qj \li567\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin567\itap0\pararsid6958902 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 
\fs20\expndtw-1\lang1033\langfe1033\loch\af0\hich\af0\dbch\af13\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \f31506\fs24\cf6\insrsid4528428\charrsid6958902 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \ab\af0\afs28 \ltrch\fcs0 \b\f31506\fs28\cf1\kerning28\insrsid1271867\charrsid6958902 \hich\af31506\dbch\af0\loch\f31506 IV.\tab}}\pard\plain \ltrpar\ql \fi-426\li426\ri0\sl276\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin426\itap0\pararsid6958902 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs20\cf1\lang1033\langfe1033\kerning28\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \ab\af31506\afs28 \ltrch\fcs0 
\b\f31506\fs28\insrsid1271867\charrsid6958902 KESIMPULAN}{\rtlch\fcs1 \ab\af31506\afs28 \ltrch\fcs0 \b\f31506\fs28\insrsid13781927\charrsid6958902 
\par }\pard \ltrpar\qj \fi709\li426\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin426\itap0\pararsid6958902 {\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \f31506\fs24\insrsid83807\charrsid6958902 
Salah satu lembaga ekonomi Islam yang sangat berperan dalam pemberdayaan ekonomi umat adalah wakaf. Menurut sejarah, }{\rtlch\fcs1 \af31506\afs24\alang3073 \ltrch\fcs0 \f31506\fs24\insrsid83807\charrsid6958902 wakaf}{\rtlch\fcs1 \af31506\afs24 
\ltrch\fcs0 \f31506\fs24\insrsid83807\charrsid6958902 
 telah memerankan peran penting dalam pengembangan sosial, ekonomi, dan budaya masyarakat. Hal-hal yang paling menonjol dari lembaga wakaf adalah peranannya dalam membiayai berbagai pendidikan Islam dan kesehatan. Sebagai contoh misalnya di Mesir, Saudi A
r
abia, Turki dan beberapa Negara lainnya pembangunan dan berbagai sarana dan prasarana pendidikan dan kesehatan dibiayai dari hasil pengembangan wakaf. Kesinambungan manfaat hasil wakaf dimungkinkan oleh berlakunya wakaf produktif yang didirikan untuk meno
p
ang berbagai kegiatan sosial dan keagamaan. Wakaf Produktif pada umumnya berupa tanah pertanian pertanian atau perkebunan, gedung-gedung komersial, dikelola sedemikian rupa sehingga mendatangkan keuntungan yang sebagian hasilnya dipergunakan untuk membiay
a
i berbagai kegiatan tersebut. Bahkan dalam sejarah, wakaf sudah dikembangkan dalam bentuk apartemen, ruko dan lain-lain. Disamping apartemen dan ruko, terdapat wakaf toko makanan, pabrik-pabrik, dapur umum, mesin-mesin pabrik, alat-alat pembakar roti peme
ras minyak, tempat pemandian, dan lain-lain. Wakaf Produktif ini kemudian dipraktekkan di berbagai Negara sampai sekarang.}{\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \f31506\fs24\insrsid83807 
\par }{\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \f31506\fs24\cf6\insrsid6958902\charrsid6958902 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \ab\af0\afs28 \ltrch\fcs0 \b\f31506\fs28\cf1\lang1057\langfe1033\kerning28\langnp1057\insrsid11749567\charrsid6958902 \hich\af31506\dbch\af0\loch\f31506 V.\tab}}\pard \ltrpar\ql \fi-426\li426\ri0\sl276\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\ls1\adjustright\rin0\lin426\itap0\pararsid6958902 {\rtlch\fcs1 \ab\af31506\afs28 \ltrch\fcs0 \b\f31506\fs28\lang1057\langfe1033\langnp1057\insrsid11749567\charrsid6958902 DAFTAR PUSTAKA}{\rtlch\fcs1 
\ab\af31506\afs28 \ltrch\fcs0 \b\f31506\fs28\lang1057\langfe1033\langnp1057\insrsid8073176\charrsid6958902 
\par }\pard\plain \ltrpar\s18\qj \fi-709\li1134\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1134\itap0\pararsid6958902 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 
\fs20\cf1\lang1033\langfe1033\kerning28\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \f31506\fs24\insrsid2507962\charrsid6958902 Abdul Halim, }{\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \i\f31506\fs24\insrsid2507962\charrsid6958902 
Hukum Perwakafan di Indonesia, }{\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \f31506\fs24\insrsid2507962\charrsid6958902 Ciputat Press: Ciputat, 2005     
\par Abdul Manan Idris, dkk, }{\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \i\f31506\fs24\insrsid2507962\charrsid6958902 Aktualisasi Pendidikan Islam Respon terhadap Problematika Kontemporer, }{\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 
\f31506\fs24\insrsid2507962\charrsid6958902 Jakarta: Hilal Pustaka, 2009                                             
\par }\pard\plain \ltrpar\qj \fi-709\li1134\ri0\sl276\slmult1\widctlpar\wrapdefault\faauto\rin0\lin1134\itap0\pararsid6958902 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs20\cf1\lang1033\langfe1033\kerning28\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 
\af31506\afs24 \ltrch\fcs0 \f31506\fs24\insrsid2507962\charrsid6958902 Abdul Manan}{\rtlch\fcs1 \ai\af31506\afs24 \ltrch\fcs0 \i\f31506\fs24\insrsid2507962\charrsid6958902 , Aneka Masalah Hukum Perdata Islam di Indonesia}{\rtlch\fcs1 \af31506\afs24 
\ltrch\fcs0 \f31506\fs24\insrsid2507962\charrsid6958902 , Jakarta: Kencana Prenada Media Group, 2008), hlm. 236
\par }\pard\plain \ltrpar\s18\qj \fi-709\li1134\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1134\itap0\pararsid6958902 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 
\fs20\cf1\lang1033\langfe1033\kerning28\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \f31506\fs24\lang1057\langfe1033\langnp1057\insrsid2507962\charrsid6958902 A}{\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 
\f31506\fs24\insrsid2507962\charrsid6958902 bdul}{\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \f31506\fs24\lang1057\langfe1033\langnp1057\insrsid2507962\charrsid6958902  Mannan, }{\rtlch\fcs1 \ai\af31506\afs24 \ltrch\fcs0 
\i\f31506\fs24\lang1057\langfe1033\langnp1057\insrsid2507962\charrsid6958902 Sertifikat Wakaf Tuna Sebuah Inovasi Instrumen Keuangan Islam, }{\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 
\f31506\fs24\lang1057\langfe1033\langnp1057\insrsid2507962\charrsid6958902 Jakarta: CIBER PKTTI-UI, 2001}{\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \f31506\fs24\insrsid2507962\charrsid6958902 
\par }\pard\plain \ltrpar\qj \fi-709\li1134\ri0\sl276\slmult1\widctlpar\wrapdefault\faauto\rin0\lin1134\itap0\pararsid6958902 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs20\cf1\lang1033\langfe1033\kerning28\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 
\af31506\afs24 \ltrch\fcs0 \f31506\fs24\insrsid2507962\charrsid6958902 Achmad Djunaidi dan Thobieb Al-asyhar, }{\rtlch\fcs1 \ai\af31506\afs24 \ltrch\fcs0 \i\f31506\fs24\insrsid2507962\charrsid6958902 Menuju Era Wakaf Produktif}{\rtlch\fcs1 \af31506\afs24 
\ltrch\fcs0 \f31506\fs24\insrsid2507962\charrsid6958902 , Jakarta: Mitra abadi Press, 2005
\par }\pard\plain \ltrpar\s18\qj \fi-709\li1134\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1134\itap0\pararsid6958902 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 
\fs20\cf1\lang1033\langfe1033\kerning28\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \f31506\fs24\insrsid2507962\charrsid6958902 Ahmad Wasison Munawwir, }{\rtlch\fcs1 \ai\af31506\afs24 \ltrch\fcs0 
\i\f31506\fs24\insrsid2507962\charrsid6958902 Kamus Al Munawwir Arab-Indonesia}{\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \f31506\fs24\insrsid2507962\charrsid6958902 , Surabaya: Pustaka Progresif, 2002                    
\par Arif Furqan, }{\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \i\f31506\fs24\insrsid2507962\charrsid6958902 Islam Untuk Disiplin Ilmu Hukum,}{\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \f31506\fs24\insrsid2507962\charrsid6958902 
 Jakarta, Departemen Agama RI Direktorat Jenderal Kelembagaan Agama Islam, 2002
\par }\pard\plain \ltrpar\qj \fi-709\li1134\ri0\sl276\slmult1\widctlpar\wrapdefault\faauto\rin0\lin1134\itap0\pararsid6958902 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs20\cf1\lang1033\langfe1033\kerning28\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 
\af31506\afs24 \ltrch\fcs0 \f31506\fs24\insrsid2507962\charrsid6958902 Budi Harsono, }{\rtlch\fcs1 \ai\af31506\afs24 \ltrch\fcs0 \i\f31506\fs24\insrsid2507962\charrsid6958902 Hukum Agraria Indonesia (Sejarah Pembentukan Undang-Undang Pokok Agraria)}{
\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \f31506\fs24\insrsid2507962\charrsid6958902 , Jakarta, Djambatan, 1999
\par }\pard\plain \ltrpar\s18\qj \fi-709\li1134\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1134\itap0\pararsid6958902 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 
\fs20\cf1\lang1033\langfe1033\kerning28\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \f31506\fs24\insrsid2507962\charrsid6958902 Departemen Agama RI}{\rtlch\fcs1 \ai\af31506\afs24 \ltrch\fcs0 
\i\f31506\fs24\insrsid2507962\charrsid6958902 , Fiqih Wakaf,}{\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \f31506\fs24\insrsid2507962\charrsid6958902  Jakarta: Direktorat Pembinaan Wakaf, 2007
\par Ibnu Mas\rquote ud dan Zainal Abidin, }{\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \i\f31506\fs24\insrsid2507962\charrsid6958902 Edisi lengkap Fiqih Madzhab Syafi\rquote i Buku 2,}{\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 
\f31506\fs24\insrsid2507962\charrsid6958902  Bandung: CV Pustaka Setia, 2007                                             
\par }\pard\plain \ltrpar\qj \fi-709\li1134\ri0\sl276\slmult1\widctlpar\wrapdefault\faauto\rin0\lin1134\itap0\pararsid6958902 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs20\cf1\lang1033\langfe1033\kerning28\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 
\af31506\afs24 \ltrch\fcs0 \f31506\fs24\insrsid2507962\charrsid6958902 Kementerian Agama RI, }{\rtlch\fcs1 \ai\af31506\afs24 \ltrch\fcs0 \i\f31506\fs24\insrsid2507962\charrsid6958902 Pedoman Pengelolaan dan Pengembangan Wakaf}{\rtlch\fcs1 \af31506\afs24 
\ltrch\fcs0 \f31506\fs24\insrsid2507962\charrsid6958902 , Jakarta, Departemen Agama RI Ditjen Bimas Islam Dan penyelenggaraan Haji Proyek Peningkatan Pemberdayaan wakaf, 2004
\par Kementerian Agama RI, }{\rtlch\fcs1 \ai\af31506\afs24 \ltrch\fcs0 \i\f31506\fs24\insrsid2507962\charrsid6958902 Perkembangan Pengelolaan Wakaf di Indonesia}{\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \f31506\fs24\insrsid2507962\charrsid6958902 
, (Diterbitkan oleh: Proyek Peningkatan Zakat dan Wakaf Direktorat Jenderal Bimbingan Masyarakat Islam dan Penyelenggaraan Haji, 2003
\par Kumpulan Hasil Seminar Perwakafan, }{\rtlch\fcs1 \ai\af31506\afs24 \ltrch\fcs0 \i\f31506\fs24\insrsid2507962\charrsid6958902 Dirjen Bimas Islam dan Penyelenggaraan Haji}{\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \f31506\fs24\insrsid2507962\charrsid6958902 
, Direktorat Pengembangan Zakat dan Wakaf, 2004}{\rtlch\fcs1 \ai\af31506\afs24 \ltrch\fcs0 \i\f31506\fs24\insrsid2507962\charrsid6958902 
\par }\pard\plain \ltrpar\s18\qj \fi-709\li1134\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1134\itap0\pararsid6958902 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 
\fs20\cf1\lang1033\langfe1033\kerning28\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \f31506\fs24\insrsid2507962\charrsid6958902 Luwis Ma\rquote luf, }{\rtlch\fcs1 \ai\af31506\afs24 \ltrch\fcs0 
\i\f31506\fs24\insrsid2507962\charrsid6958902 al-Munjid, }{\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \f31506\fs24\insrsid2507962\charrsid6958902 Beirut: al-Katulikiyah, 1937
\par Mohammad Daud Ali, }{\rtlch\fcs1 \ai\af31506\afs24 \ltrch\fcs0 \i\f31506\fs24\insrsid2507962\charrsid6958902 Sistem Ekonomi Islam Zakat dan Wakaf}{\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \f31506\fs24\insrsid2507962\charrsid6958902 , Jakarta, UI-Press, 1988

\par Muhammad Salam Madkur, }{\rtlch\fcs1 \ai\af31506\afs24 \ltrch\fcs0 \i\f31506\fs24\insrsid2507962\charrsid6958902 al-Waqf, }{\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \f31506\fs24\insrsid2507962\charrsid6958902 Beirut: Dar al-Nahdah al-\lquote Arabiyyah, 1961

\par }{\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \f31506\fs24\lang1057\langfe1033\langnp1057\insrsid2507962\charrsid6958902 Munir Fuady, }{\rtlch\fcs1 \ai\af31506\afs24 \ltrch\fcs0 \i\f31506\fs24\lang1057\langfe1033\langnp1057\insrsid2507962\charrsid6958902 
Pengantar Hukum Bisnis}{\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \f31506\fs24\lang1057\langfe1033\langnp1057\insrsid2507962\charrsid6958902 , Bandung: PT Citra Aditya Bakti, 2005}{\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 
\f31506\fs24\insrsid2507962\charrsid6958902 
\par Munzir Wakaf, }{\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \i\f31506\fs24\insrsid2507962\charrsid6958902 Menejemen Wakaf Produktif, }{\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \f31506\fs24\insrsid2507962\charrsid6958902 Jakatra: Pustakaal-Kautsar Group, 2005  

\par }{\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \f31506\fs24\lang1057\langfe1033\langnp1057\insrsid2507962\charrsid6958902 Richard B Simatupang, }{\rtlch\fcs1 \ai\af31506\afs24 \ltrch\fcs0 
\i\f31506\fs24\lang1057\langfe1033\langnp1057\insrsid2507962\charrsid6958902 Aspek Hukum dalam Bisnis}{\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \f31506\fs24\lang1057\langfe1033\langnp1057\insrsid2507962\charrsid6958902 , Jakarta: PT Rineka Cipta, 2003}{
\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \f31506\fs24\insrsid2507962\charrsid6958902 
\par Sudono Sukirno, }{\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \i\f31506\fs24\insrsid2507962\charrsid6958902 Pengantar Teori Mikro Ekonomi,}{\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \f31506\fs24\insrsid2507962\charrsid6958902 
 Jakarta: PT Raja Grafindo Persada, 1999
\par }\pard\plain \ltrpar\qj \fi-709\li1134\ri0\sl276\slmult1\widctlpar\wrapdefault\faauto\rin0\lin1134\itap0\pararsid6958902 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs20\cf1\lang1033\langfe1033\kerning28\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 
\af31506\afs24 \ltrch\fcs0 \f31506\fs24\insrsid2507962\charrsid6958902 Taufik Hamami, }{\rtlch\fcs1 \ai\af31506\afs24 \ltrch\fcs0 \i\f31506\fs24\insrsid2507962\charrsid6958902 Perwakafan Tanah (Dalam Politik Hukum Agraria Nasional)}{\rtlch\fcs1 
\af31506\afs24 \ltrch\fcs0 \f31506\fs24\insrsid2507962\charrsid6958902 , Jakarta, Tatanusa, 2003
\par }\pard\plain \ltrpar\s18\qj \fi-709\li1134\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1134\itap0\pararsid6958902 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 
\fs20\cf1\lang1033\langfe1033\kerning28\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \f31506\fs24\insrsid2507962\charrsid6958902 Tim Reality, }{\rtlch\fcs1 \ai\af31506\afs24 \ltrch\fcs0 
\i\f31506\fs24\insrsid2507962\charrsid6958902 Kamus Terbaru Bahasa Indonesia dilengkapi dengan Ejaan Yang Disempurnakan (EYD),}{\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \f31506\fs24\insrsid2507962\charrsid6958902  Surabaya: Reality Publisher, 2008
\par }\pard\plain \ltrpar\ql \li0\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6958902 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs20\cf1\lang1033\langfe1033\kerning28\cgrid\langnp1033\langfenp1033 {
\rtlch\fcs1 \af31506\afs24 \ltrch\fcs0 \b\f31506\fs24\insrsid2507962\charrsid6958902 
\par }\pard \ltrpar\qj \li0\ri0\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid9905168 {\rtlch\fcs1 \af37\afs24 \ltrch\fcs0 \f31506\fs24\cf0\insrsid2507962\charrsid2507962 
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