@phdthesis{digilib78463,
           month = {August},
           title = {PERLINDUNGAN WAKAF UANG DALAM LEMBAGA KEUANGAN MIKRO SYARIAH (STUDI EFEKTIVITAS HUKUM PADA BMT DI EKS KARESIDENAN SURAKARTA)},
          school = {UIN SUNAN KALIJAGA YOGYAKARTA},
          author = {NIM.: 20300011020 Muh. Zumar Aminuddin},
            year = {2026},
            note = {Prof. Dr. H. Khoirudin, M.A. dan Prof. Dr. H. Ali Sodikin, M.Ag.},
        keywords = {Wakaf Uang, BMT, Perlindungan Wakaf.},
             url = {https://digilib.uin-suka.ac.id/id/eprint/78463/},
        abstract = {The BMT in the former Surakarta residency, which serves as the
nazhir for cash waqf, failed to comply with the statutory provisions
regarding certification and insurance of cash waqf. Both are forms of
legal protection for cash waqf.
This study answers three research questions. First, why are cash
waqf certification and insurance regulations not implemented in BMTs in
the former Surakarta Residency, which serve as nazhir for cash waqf?
Second, how do BMTs accept the idea of cash waqf? Third, how is the
construction and reconstruction of cash waqf protection in BMTs?
This research is a field study with a sociological approach. The
BMT served as the research site. Data were obtained through interviews,
documentation, and observation. Data sources included BMT
administrators and BMT managers, the Head of PBMTI (Indonesian
Islamic Waqf Association) for the 2010-2020 period, and Waqf
Organizers from the Ministry of Religious Affairs and the Indonesian
Muslim Association (BWI). Data were analyzed using interactive
techniques including data reduction, data presentation, and conclusion
drawing. Solo Raya was chosen because this region has a significant
number of national BMT figures, and a significant number of BMTs
serving as cash waqf administrators, compared to the national average.
This research shows that the ineffectiveness of cash waqf
certification and insurance regulations is due to several factors, namely a
lack of guidance and supervision, problems with legal certainty and
Islamic jurisprudence, practical habits, and the absence of social pressure.
However, despite their formal non-compliance, BMTs are functionally
compliant by performing protection functions through administrative
instruments and risk mitigation. Existing protections need to be
reconstructed so that BMT compliance is not only functional but also
formal. Therefore, a dualism model of compliance, which is novel in this
research, is needed through strengthening the role of the state and
strengthening BMT internal facilities.}
}