AKAD WAKALAH DALAM INVESTASI SYARIAH: TANTANGAN DAN PELUANG
Keywords:
Contracts, investments, sharia, wakalahAbstract
Investors must know the contracts used when making an investment agreement to minimize losses on investments made, if the investor enters into an agreement granting authority to the investment manager to manage funds entrusted to the customer with the aim of making a profit. Research conducted regarding the analysis of wakalah contracts provides an overview of a number of important problems such as the lack of knowledge of investors who are just starting to invest. This type of research uses a qualitative type with descriptive research methods. Choosing the right contract depends on the type of investment chosen, the risks to be faced, and the relationship between the parties involved. Wakalah contracts offer flexibility and better risk management for representatives. In wakalah contracts, it is more advantageous for situations where professional and efficient management is required without transferring risk to the managing party. The wakalah contract has the advantage of being managed by a more professional person without transferring the risk to the manager. The wakalah contract makes it easier for the deputy to get solutions according to the problem.
References
Asra Moh, “Implementasi Aplikasi Al-Kafâlah Di Lembaga Keuangan Syari’ah Di Indonesia,” Istidlal: Jurnal Ekonomi dan Hukum Islam 4, no. 2 (2020): 74–84
Burhanudin Muhammad, “Wakalah Bil Ujrah Dalam Investasi Jasa Pengiriman Barang,” ADLIYA: Jurnal Hukum dan Kemanusiaan 13, no. 1 (2019): 27–38, https://core.ac.uk/download/pdf/234031864.pdf
Devianita Devianita, “Penerapan Akad Ijarah Dalam Produk Pembiayaan Bank Syariah,” MUTAWAZIN (Jurnal Ekonomi Syariah) 2, no. 1 (2021): 43–55
Gunanto Adi et al., “Islamic Mutual Funds: Risk and Return Management,” Journal of Islamic Accounting and Finance Research 6, no. 1 (2024): 39–58
Herman Misbahuddin, “Sistem Akad Mudharabah Dalam Perekonomian Islam,” Tafaqquh: Jurnal Hukum Ekonomi Syariah dan Ahwal Syahsiyah 6, no. 1 (2021):1–14, http://ejournal.kopertais4.or.id/sasambo/index.php/tafaqquh/article/view/4165
Hidayat Taufik, “Buku Pintar Investasi Syariah,” Jakarta, Media Kita, Cet 1 (2011), hal. 23.
Hidayati J Fitri, “Perbandingan Akad-Akad Yang Digunakan Perbankan Syariah Di Malaysia Dan Indonesia” 2, no. 1 (2024): 38–44
Idx, “Idx Syariah: Produk Syariah,” PT Bursa Efek Indonesia, 2024, https://www.idx.co.id/id/idx-syariah/
Muhammad Akmal Nur Rafi, Sayyida Amalina, “Analisis Akad Wakalah Bil Ujrah Dalam Reksadana Syariah Melalui Platform Investasi Bareksa,” Jariyah: Jurnal Ilmu Akuntansi Dan Keuangan Syariah, UIN Sunan Ampel Surabaya, Vol 1 no 1 (2023): h.22
Nur Rafi Muhammad Akmal, Sayyida Amalina, “Analisis Akad Wakalah Bil Ujrah Dalam Reksadana Syariah Melalui Platform Investasi Bareksa,” Jariyah: Jurnal Ilmu Akuntansi Dan Keuangan Syariah, UIN Sunan Ampel Surabaya, Vol 1 no 1 (2023): h.22
Nurseto Adhi, Dewi Pratiwi Aji, and Winarni Winarni, “REKSADANA SYARIAH Dan KONVENSIONAL DI INDONESIA,” Keunis 9, no. 2 (2021): 120
Ojk, “Pojk Nomor 17/POJK.04/2015,” Otoritas Jasa Keuangan, 2024, 1-19, https://ojk.go.id/id/kanal/syariah/regulasi/peraturan-ojk-terkait-syariah/Documents/Pages/POJK-Nomor-17POJK042015-Penerbitan-Persyaratan-Efek-Syariah-Berupa-Saham-oleh-Emiten-Syariah/pojk17042015-penerbitan-persyaratan-efek-syariah-berupa-saham-emiten-syariah.pdf
Pardi Abisar, Septian Kurniawan Yuda, and Suharyono, “Investasi Sukuk Sebagai Instrumen Keuangan Islam Untuk Pembangunan,” Jurnal El-Kahfi 05, no. 01 (2024): 35–41
Riani Yana, Herziani Fera Efiza, and Rahmahwati Fitri, “Penerapan Pembiayaan Akad Istishna Pada Bank Syariah,” Jurnal Multidisiplin Indonesia 2, no. 6 (2023): 896–903
Sahla Hilmiatus, Inayah Hilyati, and Sudiarti Sri, “Implementasi Akad Wakalah Di Lembaga Keuangan Syariah,” Jurnal Ekonomi Syariah Pelita Bangsa 8, no. 2 (2023): 232–238
Wardatul Laela Afifah Nur, Misbah Bayuni Eva, and Firdaus Nuzula Zia, “Analisis Akad Wakalah Terhadap Reksadana Syariah Pada Bukalapak Dan Tokopedia,” Jurnal Riset Perbankan Syariah (2023): 41–48
Yarmunida Miti, “Musyarakah Mutanaqishah Pada Perbankan Syariah Di Indonesia : Pendekatan Maqasid Syariah Miti Yarmunida Terakhir Terus Mengalami Pertumbuhan Yang Signifikan . Sebagai Lembaga Keuangan Bank Yang,” Jurnal Baabu Al-Ilmi 5, no. 2 (2020): 6–7, https://ejournal.uinfasbengkulu.ac.id/index.php/alilmi/article/view/2718
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2026 Barokallah, Miti Yarmunida, Nenan Julir
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
1. License
Authors who publish with Jurnal Aghniya agree to the following terms: Authors retain copyright and grant the Jurnal Aghniya right of first publication with the work simultaneously licensed under the Creative Commons Attribution-ShareAlike 4.0 International (CC BY-SA 4.0) license, that allows others to share (copy and redistribute the material in any medium or format) and adapt (remix, transform, and build upon the material) the work for any purpose, even commercially with an acknowledgement of the work's authorship and initial publication in Jurnal Aghniya.
2. Author’s Warranties
The author warrants that the article is original, written by stated author/s, has not been published before, contains no unlawful statements, does not infringe the rights of others, is subject to copyright that is vested exclusively in the author and free of any third party rights, and that any necessary written permissions to quote from other sources have been obtained by the author/s.
3. User Rights
Under the Creative Commons Attribution license, the author(s) and users are free to share (copy, distribute and transmit the contribution).
4. Rights of Authors
Authors retain the following rights:
- copyright, and other proprietary rights relating to the article, such as patent rights,
- the right to use the substance of the article in future own works, including lectures and books,
- the right to reproduce the article for own purposes, provided the copies are not offered for sale,
- the right to self-archive the article.
5. Co-Authorship
If the article was prepared jointly with other authors, the signatory of this form warrants that he/she has been authorized by all co-authors to sign this agreement on their behalf, and agrees to inform his/her co-authors of the terms of this agreement.
6. Termination
This agreement can be terminated by the author or Jurnal Aghniya upon two months’ notice where the other party has materially breached this agreement and failed to remedy such breach within a month of being given the terminating party’s notice requesting such breach to be remedied. No breach or violation of this agreement will cause this agreement or any license granted in it to terminate automatically or affect the definition of Jurnal Aghniya.
7. Royalties
This agreement entitles the author to no royalties or other fees. To such extent as legally permissible, the author waives his or her right to collect royalties relative to the article in respect of any use of the article by Jurnal Aghniya or its sublicensee.
8. Miscellaneous
The Jurnal Aghniya will publish the article, or arrange for its publication, provided that the editorial process is successfully completed and the journal or its sublicensee becomes obligated to publish the article. The Jurnal Aghniya reserves the right to edit the article for consistency in punctuation, spelling, capitalization, and style, as deemed appropriate.
The author acknowledges and agrees that the article may be made publicly accessible, and such access will be provided free of charge to readers. Additionally, the Jurnal Aghniya reserves the right to sublicense any of the rights granted to it under this agreement.
