MANAGEMENT OF CASH WAQF AT BSI MASLAHAT REGION 8 SURABAYA FOR 2022 – 2024 IN ACHIEVING THE SDGs
Abstract
This study aims to analyze the productive waqf management system at BSI Maslahat Surabaya as a nazhir institution in collaboration with Bank Syariah Indonesia (BSI). This research uses a qualitative method, with a case study approach that includes interviews, documentation and drawing conclusions. The results of the study show that BSI Maslahat Surabaya has successfully implemented a transparent waqf model with BSI in the management of productive waqf. This collaboration allows the optimization of the collection, management, and distribution of waqf funds professionally through the Integrated Fund Management System (IFMS). BSI Maslahat Surabaya manages two forms of waqf, namely money waqf and waqf through money, the proceeds of which are distributed to social programs such as Al-Qur'an Grants, Waqf for the construction of BSI Mosque in Bromo, BSI Qur'an House in Magetan. The application of Sharia Good Governance principles makes this institution credible and accountable. Overall, BSI Maslahat Surabaya is a model for modern productive waqf management that is sustainable and has the potential to strengthen the sharia economic ecosystem in Indonesia.
Downloads
References
Abdillah, L., Asnawi, N., & Yuliana, I. (2024). Build a customer benefit model driven by customer satisfaction and customer loyalty based on digital experiences. EL DINAR: Journal of Islamic Finance and Banking, 12(1), 40–63. https://doi.org/10.18860/ed.v12i1.25431
Agustini, A. P., Zukhri, N., & Saputra, D. (2024). Comparison of mutual funds: Conventional stock mutual funds and sharia mutual funds. Al-Masraf: Journal of Financial Institutions and Banking, 9(1), 59–80.
Andayani, A., & Haq, Z. (2024). Sanad Al-Qur'an network (Case study of Rumah Tahfiẓ Al-Quran in Jakarta). Innovative: Journal of Social Science Research, 4(1), 7549–7562. http://j-innovative.org/index.php/Innovative/article/view/8313/5986
Azzahro, S. F., Aufa, A., & Indra, I. (2024). Bibliometric analysis of Islamic credit letters. JPS (Journal of Sharia Banking), 5(1), 122–135. https://doi.org/10.46367/jps.v5i1.1796
Creswell, J. W., & Poth, C. N. (2022). Qualitative inquiry and research design: Choosing among five approaches (5th ed.). SAGE Publications.
Darmalaksana, W. (2020). Qualitative research methods of literature studies and field studies. Pre-Print Digital Library UIN Sunan Gunung Djati Bandung, 1(1), 1–6.
Hasibuan, A. N., & Hardana, A. (2024). Factors influencing public interest in using sharia banking products. Journal of Islamic Banking and Financial Sciences, 6(1), 53–70. https://doi.org/10.24239/jipsya.v6i1.242.53-70
Hasyim, Z., & Darmawan. (2025). The role of the Batujai Beriuk Meres Sharia Savings and Loan Cooperative (KSPPS) in Central Lombok in community economic empowerment in Batujai Village, West Praya District, Central Lombok Regency. Journal of Islamic Banking, 6(1), 72–100. https://doi.org/10.51339/nisbah.v6i1.2058
Nurkholis, A., Zubaeri, A., & Sangadah, U. (2024). Productive waqf: Philanthropic innovation towards the interconnection of sharia commercial banks (BUS) for the future of the sharia economy. Labatila: Journal of Islamic Economics, 8(2), 192–204.
Pipianti, R., Brahmono, B., Syahrul, S., & Meldayani, O. (2024). The effect of profitability on Bank Syariah Indonesia's share price for the 2021–2023 period. Scientific Journal of Islamic Banking Students (JIMPA), 4(1), 27–38. https://doi.org/10.36908/jimpa.v4i1.315
Rohmandika, M. S., Budianto, E. W., & Dewi, N. D. (2023). Research on mapping the determinants of asset return variables in Islamic banking: A bibliometric study of VOSviewer literature review. Eco-Iqtishodi: Jurnal Ilmiah Ekonomi dan Keuangan Syariah, 5(1), 1–18. https://doi.org/10.32670/ecoiqtishodi.v5i1.3607
Setiawan, R., Badina, T., & Najib, M. A. (2021). Productive waqf management strategy in the context of community economic empowerment in Dompet Dhuafa Banten productive waqf. Al-Maal: Journal of Islamic Economics and Banking, 3(1), 64–78. https://doi.org/10.31000/almaal.v3i1.4587
Setiyowati, A., Huda, F., Berkah, D., & Nadid, E. (2024). Improving the professionalism of Nazhir Muhammadiyah Surabaya through Good Nazhir Education (GNE) apps to support a sustainable waqf ecosystem. Humanism: Journal of Community Service, 5(1), 57–70.
Sugiyono. (2020). Metode penelitian kuantitatif, kualitatif, dan mixed methods. CV Alfabeta.
Syifa, F., Indah, A., Nasution, L., & Inayah, N. (2023). Analysis of BSI's readiness in facing the development of fintech-based financial services in Indonesia. Nisbah: Jurnal Perbankan Syariah, 10(1), 1–10. https://doi.org/10.30997/jn.v10i1.12991
Wastuti, W., Prasetyowati, R. A., & Anggraini, R. (2024). Financing growth and bank risk: Empirical evidence from Indonesia. FINANSIA: Journal of Sharia Accounting and Banking, 7(1), 1–20. https://doi.org/10.32332/finansia.v7i1.7442
Wulandari, D. (2024). Implementation of village cultural promotion programs: A review of culture-based community empowerment. Journal of Education and Culture, 9(1), 20–34. https://doi.org/10.24832/jpnk.v9i1.4489
Yustati, H., & Harpepen, A. (2023). Analysis of Gen-Z investment interest in the sharia capital market (FEBI student study at UIN Fatmawati Sukarno Bengkulu). Al-Intaj: Jurnal Ekonomi dan Perbankan Syariah, 9(1), 76–88. https://doi.org/10.29300/aij.v9i1.9896
Copyright (c) 2026 Faris Khoirudin, Dian Berkah, Rukhul Amin

This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Authors who publish with this journal agree to the following terms:
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work.















