Apakah Amanah memiliki aset wakaf saya?Does Amanah own my waqf assets?
Tidak. Anda tetap pemilik. Amanah hanya bertindak sebagai pemegang amanah (Nazhir) dan manajer investasi. Aset tidak pernah berpindah milik ke Amanah.No. You remain the owner. Amanah acts only as the trustee (Nazhir) and investment manager. The assets never transfer ownership to Amanah.
Apakah pokok wakaf aman?Is the waqf principal safe?
Ya. Kami menerapkan model two-pocket: Korpus (pokok) ditempatkan pada aset capital-protected yang dijaga kekal, terpisah dari Hasil yang diproduktifkan. Pokok wakaf tidak dipertaruhkan.Yes. We apply a two-pocket model: the Corpus (principal) is placed in capital-protected assets that are preserved in perpetuity, kept separate from the Yield that is put to productive use. The waqf principal is never put at risk.
Apa beda wakaf abadi dan berjangka? Apakah pokok bisa kembali?What's the difference between perpetual and temporary waqf? Can the principal return?
Wakaf abadi (mu'abbad) menjaga pokok selamanya, berbasis emas & aset produktif (imbal hasil ilustratif ±5%/tahun). Wakaf berjangka (mu'aqqat) memakai tenor (mulai 6 bulan hingga 10 tahun): pokok ditempatkan pada instrumen capital-protected (pasar uang syariah / sukuk, ±4%/tahun), hasilnya mendanai program, dan pokok dikembalikan utuh di akhir tenor. Keduanya sah menurut UU 41/2004 & BWI. Model berjangka bahkan sudah terbukti lewat CWLS. Pelajari selengkapnya →A perpetual waqf (mu'abbad) keeps the principal forever, based on gold & productive assets (illustrative yield ±5%/year). A temporary waqf (mu'aqqat) uses a tenor (from 6 months up to 10 years): the principal sits in capital-protected instruments (Sharia money market / sukuk, ±4%/year), its yield funds programmes, and the principal is returned intact at maturity. Both are valid under Law 41/2004 & BWI. The temporary model is even proven via CWLS. Learn more → Bisakah berwakaf dari luar negeri atau dalam USD?Can I endow from abroad, or in USD?
Bisa. Tersedia jalur USD untuk diaspora & wakif global: wakaf berjangka ditempatkan pada Reksa Dana Dollar (USD pasar uang / sukuk USD). Corpus tetap dalam USD, hasilnya mendanai program di Indonesia, dan pokok dikembalikan dalam USD di akhir tenor, menyelesaikan risiko kurs tanpa emas. Dana lintas negara melewati verifikasi standar perbankan syariah (LKS-PWU) sesuai ketentuan yang berlaku.Yes. There is a USD track for the diaspora & global wakif: a temporary waqf placed in a Dollar Fund (USD money market / USD sukuk). The corpus stays in USD, its yield funds programmes in Indonesia, and the principal is returned in USD at maturity, solving currency risk without gold. Cross-border funds go through standard Sharia-bank verification (LKS-PWU) per applicable regulations.
Apa itu "ekosistem Islamic Wealth Stewardship" & Family Office Amanah?What is the "Islamic Wealth Stewardship ecosystem" & the Amanah Family Office?
Hari ini Amanah fokus pada wakaf & endowment, pilar pertama yang sudah berjalan. Ke depan, ini adalah bagian dari visi yang lebih luas: sebuah ekosistem Islamic Wealth Stewardship yang mengurus harta, nilai, dan legacy keluarga & institusi Muslim sebagai satu amanah, mencakup investasi, proteksi, zakat, warisan, tata kelola keluarga, dan pendidikan. Lihat visinya → · Family Office (privat) →Today Amanah focuses on waqf & endowment, the first live pillar. Looking ahead, this is part of a wider vision: an Islamic Wealth Stewardship ecosystem that stewards the wealth, values, and legacy of Muslim families & institutions as one Amanah, spanning investment, protection, zakat, inheritance, family governance, and education. See the vision → · Family Office (private) → Apakah layanan Family Office penuh sudah tersedia sekarang?Is the full Family Office service available now?
Kami jujur soal ini: yang sudah beroperasi penuh adalah pilar Wakaf & Endowment. Pilar Pendidikan (Scale Academy) & Tata Kelola Syariah aktif. Pilar lain (Investment Office, Proteksi/Takaful, Warisan, Tata Kelola Keluarga) sebagian masih peta jalan, banyak yang hadir lewat kemitraan & tunduk perizinan (OJK/regulator terkait). Family Office bersifat dengan undangan, dimulai dari satu pilot. Jadi ini visi yang dibangun bertahap. Belum semuanya jadi.We're honest about this: the fully operating pillar is Waqf & Endowment. The Education (Scale Academy) & Shariah Governance pillars are active. The others (Investment Office, Protection/Takaful, Estate, Family Governance) are partly on the roadmap, many arriving via partnership & subject to licensing (OJK/relevant regulators). The Family Office is by invitation, starting from a single pilot. So this is a vision built in stages. Not all of it is live yet.
Apakah benar-benar syariah-compliant?Is it genuinely Sharia-compliant?
Ya. Setiap produk & akad ditinjau Dewan Pengawas Syariah independen dan memperoleh opini DSN-MUI. Dewan syariah dibayar tetap (bukan performance-linked) dan memiliki hak veto.Yes. Every product & contract is reviewed by an independent Sharia Supervisory Board and obtains a DSN-MUI opinion. The Sharia board is paid a fixed fee (not performance-linked) and holds veto rights.
Akad apa yang dipakai?What contracts (akad) are used?
Bergantung fungsi: wakalah bi al-istitsmar (kuasa mengelola/menginvestasikan) untuk pengelolaan aset; mudharabah/musyarakah untuk bagi hasil; ijarah (sewa) & istishna untuk optimasi aset riil/properti; murabahah pada pembiayaan sektor riil. Emas dijual-beli tunai (taqabudh), tanpa riba/derivatif. Setiap akad diopinikan Dewan Pengawas Syariah merujuk DSN-MUI.By function: wakalah bi al-istitsmar (an investment-management mandate) for asset management; mudharabah/musyarakah for profit-sharing; ijarah (lease) & istishna for real-asset/property optimisation; murabahah in real-sector financing. Gold is traded spot (taqabudh), no riba/derivatives. Each contract is opined on by the Sharia Supervisory Board referencing DSN-MUI.
Apa beda wakaf dengan zakat?How is waqf different from zakat?
Zakat = kewajiban tahunan (2,5% dsb.) yang habis disalurkan ke 8 asnaf. Wakaf = sedekah sukarela di mana pokok dijaga (abadi) atau dikembalikan (berjangka), dan hasilnya mengalir ke penerima manfaat (mauquf 'alaih), amal jariyah yang terus mengalir. Keduanya berbeda & saling melengkapi; wakaf bukan pengganti zakat. Amanah mengelola wakaf/dana abadi, bukan menghimpun zakat.Zakat = an annual obligation (2.5% etc.) that is fully disbursed to the 8 categories. Waqf = a voluntary endowment where the principal is preserved (perpetual) or returned (temporary), and its yield flows to beneficiaries (mauquf 'alaih), a continuing amal jariyah. They are distinct & complementary; waqf is not a substitute for zakat. Amanah manages waqf/endowments, not zakat collection.
Apa dasar hukum & regulasinya?What is the legal & regulatory basis?
UU No. 41/2004 tentang Wakaf & PP No. 42/2006; diawasi Badan Wakaf Indonesia (BWI); nazhir wajib terdaftar BWI. Manajer investasi berlisensi OJK. Produk merujuk fatwa DSN-MUI (mis. wakaf uang, wakalah bi al-istitsmar). No. fatwa spesifik [akan diisi]. Wakaf berjangka & lintas negara mengikuti prosedur verifikasi & kepatuhan yang berlaku.Law No. 41/2004 on Waqf & Gov. Reg. 42/2006; overseen by the Indonesian Waqf Board (BWI); the nazhir must be BWI-registered. The investment manager is OJK-licensed. Products reference DSN-MUI fatwas (e.g. cash waqf, wakalah bi al-istitsmar). Specific fatwa nos. [to be filled]. Temporary & cross-border waqf follow the applicable verification & compliance procedures.
Bagaimana transparansinya?How transparent is it?
Seluruh aset, alokasi, distribusi, dan impact dilaporkan real-time via platform IEM OS, diperkuat kustodian bank independen, valuer (KJPP) independen, dan audit tahunan oleh auditor eksternal.All assets, allocations, distributions, and impact are reported in real time via the IEM OS platform, reinforced by an independent bank custodian, an independent valuer (KJPP), and an annual audit by an external auditor.
Bagaimana dengan konflik kepentingan operating partner (Gold Co / Healthcare Co)?What about conflicts of interest with the operating partners (Gold Co / Healthcare Co)?
Kami menerapkan Related-Party Policy ketat: cap alokasi afiliasi (≤20% per partner, ≤40% gabungan), harga arm's-length, persetujuan mayoritas anggota independen dengan founder yang recuse, atribusi kinerja diverifikasi independen, dan partner dapat di-terminate atas dasar kinerja.We apply a strict Related-Party Policy: caps on affiliate allocation (≤20% per partner, ≤40% combined), arm's-length pricing, approval by a majority of independent members with the founder recused, independently verified performance attribution, and partners can be terminated on performance grounds.
Berapa biayanya?What are the fees?
Satu-satunya biaya ke endowment adalah 15% dari hasil (bukan dari pokok), sudah all-in: mencakup nazhir, manajer investasi, & bank kustodian. Tidak ada biaya AUM terpisah di atasnya; berlaku TER cap & tanpa biaya ganda atas pekerjaan yang sama.The only fee to the endowment is 15% of the yield (not of the principal), all-in: covering the nazhir, the investment manager, & the custodian bank. There is no separate AUM fee on top; a TER cap applies & there is no double-charging for the same work.
Berapa minimum untuk memulai?What is the minimum to get started?
Minimum bersifat berjenjang. Wakaf berjangka & ritel dapat dimulai dari nominal terjangkau (ilustrasi memakai Rp100 juta). Untuk mandat bespoke atau dana abadi bernama, mandat institusional (Tier 1) mulai Rp5 miliar. Mulai dari satu aset/nominal, buktikan hasilnya, lalu perluas seiring kepercayaan.The minimum is tiered. Temporary & retail waqf can start from an accessible amount (the illustration uses Rp100 million). For bespoke mandates or named endowments, institutional mandates (Tier 1) start from Rp5 billion. Start with a single asset/amount, prove the results, then expand as trust grows.
Siapa yang mengelola Amanah?Who manages Amanah?
Model hybrid: Founder sebagai Chairman, dengan CEO/CIO/COO profesional independen menjalankan eksekusi, serta Independent Chair sebagai pemecah deadlock di Dewan.A hybrid model: the Founder as Chairman, with an independent professional CEO/CIO/COO running execution, plus an Independent Chair as the deadlock-breaker on the Board.
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