ProdukProducts
Semua berbagi satu prinsip: pokok terjaga, hasil bekerja, dengan tata kelola & kepatuhan syariah yang sama. Pilih yang sesuai tujuan Anda.All share one principle: principal preserved, yield at work, under the same governance & Sharia compliance. Choose what fits your goal.
Produk-produk ini adalah pilar Wakaf & Endowment yang sudah berjalan penuh dari ekosistem Islamic Wealth Stewardship kami.These products are the fully live Waqf & Endowment pillar of our Islamic Wealth Stewardship ecosystem.
Bandingkan
Compare
Intinya ada dua struktur: Abadi (pokok kekal) & Berjangka (pokok kembali). Jalur USD adalah varian mata uang dari Berjangka; Wakaf Pendidikan adalah peruntukan hasil yang bisa mengikuti struktur mana pun.At heart there are two structures: Perpetual (principal kept) & Temporary (principal returns). The USD track is a currency variant of Temporary; Education Waqf is a use of proceeds that can follow either structure.
Pokok dijaga selamanya (emas + aset produktif). Hasil ilustratif ±5%/th mendanai program & menumbuhkan korpus. Untuk legacy lintas generasi.
Principal kept forever (gold + productive assets). Illustrative ±5%/yr yield funds programmes & grows the corpus. For a cross-generational legacy.
Tenor 6 bulan–10 thn, capital-protected (pasar uang syariah), ±4%/th. Pokok kembali utuh di akhir. Barrier rendah, cocok korporasi & ritel.
6-month–10-year tenor, capital-protected (Sharia money market), ±4%/yr. Principal returns intact at maturity. Low barrier, ideal for corporates & retail.
Untuk diaspora & wakif global. Berjangka dalam USD (Reksa Dana Dollar), pokok kembali dalam USD, hasil mendanai program di Indonesia. Bebas risiko kurs.
For diaspora & global wakif. Temporary in USD (a Dollar Fund), principal returns in USD, yield funds programmes in Indonesia. Free of currency risk.
Hasil endowment mendanai fellowship Scale Academy: beasiswa & kerja legal ke luar negeri. Bisa named & berjangka korporat.
Endowment yield funds Scale Academy fellowships: scholarships & legal work abroad. Available named & as a corporate temporary.
| Aspek | Abadi | Berjangka | USD | Pendidikan |
|---|---|---|---|---|
| Pokok | Kekal | Kembali di akhir tenor | Kembali (USD) | Kekal / bertenor |
| Basis corpus | Emas + produktif | Pasar uang syariah | RD Dollar | Mengikuti Abadi/Berjangka |
| Imbal hasil ilustratif | ±5%/th | ±4%/th | ±4%/th | ±5% / ±4% |
| Tenor | Tak terbatas | 6 bln·1·3·5·10 thn | 6 bln·1·3·5·10 thn | Fleksibel |
| Paling cocok | Legacy keluarga | Korporasi, ritel | Diaspora, HNWI global | Beasiswa bernama, CSR |
| Aspect | Perpetual | Temporary | USD | Education |
|---|---|---|---|---|
| Principal | Perpetual | Returns at maturity | Returns (USD) | Perpetual / fixed-term |
| Corpus basis | Gold + productive | Sharia money market | Dollar Fund | Follows Perpetual/Temporary |
| Illustrative yield | ±5%/yr | ±4%/yr | ±4%/yr | ±5% / ±4% |
| Tenor | Unlimited | 6 mo·1·3·5·10 yr | 6 mo·1·3·5·10 yr | Flexible |
| Best for | Family legacy | Corporates, retail | Diaspora, global HNWI | Named scholarships, CSR |
Panduan Cepat
Quick Guide
Pilih jika Anda ingin legacy lintas generasi & siap menjaga pokok selamanya.
Choose if you want a cross-generational legacy & are ready to keep the principal forever.
Pilih jika Anda ingin pokok kembali di akhir tenor, cocok korporasi & yang ingin "coba dulu".
Choose if you want the principal back at maturity, ideal for corporates & a "try first" approach.
Pilih jika Anda tinggal/berpenghasilan di luar negeri & ingin bebas risiko kurs.
Choose if you live/earn abroad & want to be free of currency risk.
Pilih jika Anda ingin hasil diarahkan ke beasiswa & talenta, bisa bernama atau CSR.
Choose if you want the yield directed to scholarships & talent, named or CSR.
Transparan
Transparent
Wakaf berjangka & ritel bisa mulai dari nominal terjangkau (ilustrasi memakai Rp100 juta). Mandat bespoke & dana abadi bernama (Tier 1) mulai Rp5 miliar. Mulai dari satu aset, buktikan, lalu perluas.
Temporary & retail waqf can start from an accessible amount (illustrations use Rp100 million). Bespoke mandates & named endowments (Tier 1) start at Rp5 billion. Start with one asset, prove it, then expand.
Satu-satunya biaya ke endowment: 15% dari hasil, all-in (nazhir + manajer + bank). Tidak ada fee AUM terpisah di atasnya. TER cap, no double-charge.
The only fee to the endowment: 15% of yield, all-in (nazhir + manager + bank). No separate AUM fee on top. TER cap, no double-charge.
Dari hasil: 60% program · 25% reinvest korpus · 15% pengelolaan. Contoh: Rp100 M @5% → Rp3,0 M/th untuk program.
Of the yield: 60% programmes · 25% corpus reinvest · 15% management. Example: Rp100B @5% → Rp3.0B/yr to programmes.
Cara Memulai
How to Start
Kami menilai potensi aset/dana Anda & merekomendasikan produk yang cocok (gratis untuk flagship).
We value your asset/funds' potential & recommend the right product (free for flagship cases).
Rancangan produktif + struktur legal & akad syariah (mis. wakalah bi al-istitsmar) yang sesuai.
A productive design + a compliant legal & Sharia contract (e.g. wakalah bi al-istitsmar).
Ditinjau Dewan Pengawas Syariah & merujuk DSN-MUI; nazhir terdaftar BWI.
Reviewed by a Sharia Supervisory Board referencing DSN-MUI; BWI-registered nazhir.
Aset/dana ditempatkan; corpus dijaga, hasil mulai diproduktifkan. Custody di bank independen.
The asset/funds are placed; corpus preserved, yield made productive. Custody at an independent bank.
Manfaat disalurkan & dilaporkan real-time (finansial + impact), dapat diaudit. Timeline tipikal: 4–8 minggu dari assessment ke pendanaan.
Benefits distributed & reported real-time (financial + impact), auditable. Typical timeline: 4–8 weeks from assessment to funding.
Angka ilustratif; bukan penawaran atau nasihat investasi. Seluruh struktur tunduk persetujuan dewan syariah/DSN-MUI & regulator (BWI/OJK). Lihat brosur ringkas →
Figures illustrative; not an offer or investment advice. All structures are subject to Sharia board/DSN-MUI & regulator (BWI/OJK) approval. See the one-page brochure →
Mulai dari Asset Assessment. Kami bantu memilih & merancang strukturnya.
Start with an Asset Assessment. We help you choose & design the structure.
Minta Asset Assessment →Request an Assessment →
Amanah