{"id":3265,"date":"2024-07-31T06:30:42","date_gmt":"2024-07-31T06:30:42","guid":{"rendered":"https:\/\/lspt.or.id\/kajian\/?p=3265"},"modified":"2024-07-31T06:30:44","modified_gmt":"2024-07-31T06:30:44","slug":"investasi-dana-zakat","status":"publish","type":"post","link":"https:\/\/lspt.or.id\/kajian\/investasi-dana-zakat\/","title":{"rendered":"Investasi Dana Zakat"},"content":{"rendered":"\n

Salah satu isu dalam pengelolaan zakat kontemporer adalah masalah investasi dana zakat. Ada pemikiran bahwa agar harta zakat lebih berdayaguna dan lebih banyak manfaatnya bagi mustahik, dana zakat bisa diinverstasikan. Terkait investasi ini, ada tiga kemungkinan:<\/p>\n\n\n\n

    \n
  1. Mustahik yang Menginvestasikan Dana Zakat<\/strong><\/li>\n<\/ol>\n\n\n\n

    Jumhur ulama berpendapat bahwa mustahik boleh menginvestasikan dana zakat setelah menerimanya. Sebab dana zakat itu adalah milik mereka sepenuhnya. Hanya saja, di antara 8 asnaf penerima zakat, ada tiga yang tidak boleh menginvestasikan dana zakatnya, yaitu orang yang terlilit utang, orang yang kehabisan bekal di perjalanan, dan budak. <\/p>\n\n\n\n

    Alasannya, orang yang terlilit utang harus menggunakan dana zakat untuk melunasi utangnya, orang yang kehabisan bekal harus menggunakan dana zakat untuk biaya kembali pulang, dan budak harus menggunakan zakat untuk memerdekakan dirinya. Selain tiga asnaf tersebut, investasi dana zakat boleh dan baik dilakukan karena mendukung kegunaan jangka panjang yang dapat mengentasnya dari kondisi kekurangan.<\/p>\n\n\n\n

      \n
    1. Muzaki yang Menginvestasikan Dana Zakat<\/strong><\/li>\n<\/ol>\n\n\n\n

      Apakah orang yang wajib zakat boleh menunda pembayarannya dengan alasan dana zakat itu diinvestasikan agar dapat diberikan dalam jumlah yang lebih banyak atau berkelanjutan? Mayoritas ulama menyatakan tidak boleh. Sebab kewajiban zakat adalah kewajiban yang harus disegerakan bila sudah masuk waktunya dan tidak boleh ditunda-tunda penyaluran dananya. <\/p>\n\n\n\n

      Berbeda jika dana zakat tersebut diserahkan ke mustahik terlebih dahulu, lalu muzaki membantunya untuk menginvestasikan harta itu. Hal ini bisa dengan tujuan muzaki membantu sebagai pengawas agar harta mustahiq tidak disalahgunakan. Bahkan investasi ini boleh atas nama muzaki. <\/p>\n\n\n\n

      Namun pola investasi seperti itu harus didahului dengan komunikasi dan kesepakatan yang sudah dijalin antara muzaki dan mustahik, dan jika mustahik ingin mengambil dana itu karena kebutuhan yang mendesak, maka harus diperbolehkan.<\/p>\n\n\n\n

        \n
      1. Petugas (Amil) yang Menginvestasikan Dana Zakat<\/strong><\/li>\n<\/ol>\n\n\n\n

        Fikih klasik tidak membahas investasi yang dilakukan oleh amil. Pendapat tentang itu dapat ditemukan di fikih kontemporer dengan dua pendapat: Pertama membolehkan, kedua tidak membolehkan. Mereka yang membolehkan beralasan bahwa pengelolaan zakat sejatinya bertujuan untuk mencapai kemaslahatan umum. <\/p>\n\n\n\n

        Memang hukum asal bagi amil adalah segera menyalurkan dana zakat yang dikumpulkan, tetapi jika ada kemaslahatan yang menuntut untuk mendundanya, maka hal itu diperbolehkan. Salah satu kemaslahatan ini adalah menginvestasikannya demi mencapai sumber keuangan yang relatif permanen bagi para mustahik. <\/p>\n\n\n\n

        Kebolehan ini tetap memiliki syarat, yaitu amil harus terlebih dahulu memastikan bahwa mustahik telah menerima zakat yang memenuhi kebutuhan hidup mereka, serta amil harus memiliki perhitungan matang pada objek investasinya.<\/p>\n\n\n\n

        Adapun ulama yang tidak membolehkan beralasan bahwa zakat adalah hak kaum duafa yang harus segera dibayarkan. Ketika amil menginvestasikan dana zakat, dana zakat itu berarti tidak diserahkan kepada mustahik, sehingga penggunaannya tidak sah (amil tidak memiliki hak untuk menggunakan harta itu dalam rangka investasi). Sebab, syarat sah pembayaran zakat adalah harus ada pemberian kepemilikan kepada mustahik. Amil bukanlah pemilik harta zakat tersebut.<\/p>\n\n\n\n

        Baca Juga : <\/strong>Distribusi Zakat yang Produktif<\/a><\/p>\n\n\n\n

        Perbedaan ulama kontemporer tentang investasi dana zakat oleh amil di atas dapat kita tarik jalan tengah berupa: Apabila amil hendak menginvestasikan dana zakat, hendaknya ia mengedepankan kehati-hatian dan alangkah lebih baik apabila investasi tersebut dilakukan setelah dana diserahkan kepada mustahik. <\/p>\n\n\n\n

        Setelah penyerahan, barulah amil memberi edukasi dan penjelasan sejelas-jelasnya kepad mustahik agar mustahik bersedia menginvestasikan dana zakat yang ia terima dengan koordinator dari pihak amil. Jadi, amil pada posisi ini hanyalah sebagai wakil dari mustahik saja, bukan pihak yang melakukan investasi secara mandiri.<\/p>\n\n\n\n

        Tiga kemungkinan dan rincian hukumnya yang telah dijelaskan di atas merupakan isu kontemporer yang dapat dikaji dan ditindaklanjuti secara profesional oleh orang-orang yang ingin mengoptimalkan ajaran Islam berupa zakat. <\/p>\n\n\n\n

        Pada intinya, zakat adalah ajaran Islam yang memiliki semangat untuk mengentas kemiskinan, menambal kesenjangan ekonomi, dan membantu orang-orang yang kesusahan. Semangat itu harus tetap dijaga. Pengelolaan profesional dan pengembangan-pengembangan lantas dapat dimunculkan untuk menunjang terealisasinya semangat zakat tersebut. Termasuk di antaranya adalah melakukan investasi atas dana zakat. Wallahu a\u2019lam.<\/p>\n\n\n\n

        Catatan: Tulisan ini diringkas dan direfleksikan dari buku \u201cOptimalisasi Peran Zakat dalam Ekonomi\u201d karya dua orang dosen Ma\u2019had Aly Hasyim Asy\u2019ari Pesantren Tebuireng dan diterbitkan oleh Pustaka Tebuireng.<\/p>\n\n\n\n

        Wallahu a’lam bissawab … <\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

        Salah satu isu dalam pengelolaan zakat kontemporer adalah masalah investasi dana zakat. Ada pemikiran bahwa agar harta zakat lebih berdayaguna dan lebih banyak manfaatnya bagi mustahik, dana zakat bisa diinverstasikan…. <\/p>\n","protected":false},"author":3,"featured_media":3266,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[23,6],"tags":[945,942,941,33],"class_list":["post-3265","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-akidah","category-hukum-islam","tag-hulum-zakat","tag-investai","tag-investasi-dana-zakat","tag-zakat"],"yoast_head":"\nInvestasi Dana Zakat - Kajian Islam<\/title>\n<meta name=\"description\" content=\"Salah satu isu dalam pengelolaan zakat kontemporer adalah masalah investasi dana zakat. Ada pemikiran bahwa agar harta zakat lebih berdayaguna dan lebih banyak manfaatnya bagi mustahik, dana zakat bisa diinverstasikan. 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