Lembaga Dana Pensiun Syariah sebagai Instrumen Perlindungan Masa Tua Berbasis Maqashid  Syariah

Dian Sari; Devy Wulandari; Andi Abdul Gaffar; Amiruddin Kadir; Mukhtar Lutfi

doi:10.59059/maslahah.v3i2.2618

Authors

Dian Sari Universitas Islam Negeri Alauddin Makassar
Devy Wulandari Universitas Islam Negeri Alauddin Makassar
Andi Abdul Gaffar Universitas Islam Negeri Alauddin Makassar
Amiruddin Kadir Universitas Islam Negeri Alauddin Makassar
Mukhtar Lutfi Universitas Islam Negeri Alauddin Makassar

DOI:

https://doi.org/10.59059/maslahah.v3i2.2618

Keywords:

finance, Maqasid al-Shari'ah, regulation, Pension Fund

Abstract

This research aims to understand the concept and regulations of Islamic pension funds (dana pensiun syariah) in Indonesia, which impact life in old age based on the Maqasid al-Shariah (objectives of Islamic law). An Islamic pension fund is a pension fund that administers a retirement program based on Sharia principles (DSN-MUI Fatwa Number: 88/DSN-MUI/XI/2013). The management of Islamic pension funds in Indonesia is carried out through investments in Sharia-compliant pension funds that are distributed to participants. This is closely tied to the contractual consequences of the underlying agreement governing the transactional relationship between DPLK (Financial Institution Pension Fund) participants and the Sharia DPLK, which is based on the contract of Wakalah bil Ujrah (agency with fee).This study uses a qualitative approach with a descriptive-analytical method to analyze instruments of old-age protection based on Maqasid al-Shariah in the management of pension funds within Islamic financial institutions. The research is rooted in the management of pension funds aligned with the Maqasid al-Shariah, which represent the main objectives of Islamic law—namely, to realize the welfare (maslahah) of humanity in both this world and the hereafter. This pension fund also serves as a form of old-age security designed to provide income certainty for workers after entering retirement.

References

Ash-Shiddiqy, M. (2023). Bagaimana upaya dana pensiun syariah dalam memajukan lembaga keuangan syariah di indonesia? Jurnal Ekonomi, Keuangan Dan Perbankan Syariah, 7(2), 138–151. https://doi.org/https://doi.org/10.33379/jihbiz.v7i2.2870

Efrita Norman, E.P. (2021) ‘Reslaj : Religion Education Social Laa Roiba Journal Manajemen Dana Pensiun Syariah Reslaj : Religion Education Social Laa Roiba Journal. 3, 227–235. https://doi.org/10.47476/reslaj.v4i1.537’, 3, pp. 227–235. Available at: https://doi.org/10.47476/reslaj.v3i2.349.

Hadi, Kuncoro. “Implementasi Maqashid Syariah Sebagai Indikator Perusahaan Islami”. Fakultas Ekonomi Universitas Al Azhar Indonesia. Vol. 1, No. 3 (Maret 2012).

Iqbal, m. (2020). maqasid syariah dan dana pensun syariah. indonesian jurnal f islamis business and economics, 30-36

Kholisa, L. et al. (2023) ‘Perkembangan Dana Pensiun Syariah’, Jurnal Ilmiah Ekonomi dan Manajemen, 1(4), pp. 344–352. Available at: https://doi.org/10.61722/jiem.v1i4.382.

Martin, F.A., Millah, H. and Fajri, A. (2025) ‘Implementasi Maqasid syariah Pada Pemiayaan BSI Pensiun Sebagai Solusi Keuangan Syariah Berkelanjutan’, Jurnal Ekonomi Syariah Pelita Bangsa, 10(1), pp. 175–186. Available at: https://doi.org/10.37366/jespb.v10i01.2411.

Muhammad iqbal (2020) ‘Maqasid Syariah Dan Dana Pensiun Syariah’, Indonesian Journal of Islamic Business and Economics, 01(01), pp. 30–36. Available at: https://doi.org/10.32424/1.ijibe.2020.2.1.2796.

Nabilla Priyant Pertiwi (2025) ‘Implementasi Fatwa Dsn-Mui Nomor 88 / Dsn-Mui / Xi / 2013 Dalam’, 5(1).

Naufal Muhamad Shodiqin, Husni Rizallul Muslim and Safrudin, R. (2025) ‘Akad Wadiah Yad Dhamannah Sebagai Inovasi Akad Dana Pensiun Di Lembaga Keuangan Syariah’, El-Iqthisadi Jurnal Hukum Ekonomi Syariah Fakultas Syariah dan Hukum, 6, pp. 316–332. Available at: https://doi.org/10.24252/el-iqthisady.vi.53878.

N. Fadillah, “Analisis peran Bank Syariah Indonesia terhadap dana pensiun,” B.S. thesis, IAIN Curup, Curup, Indonesia, 2023. [Online]. Available: https://e theses.iaincurup. ac.id/3311/1 /Fulltext.pdf

Pajar Ramadan, Nisa Sania, Mufti Dava Multazam, Najaha Sima Nursalam, M.A. (2023) ‘DONE Kelompok 6_Transformasi Dan Pertumbuhan Dana Pensiun Syariah Di Indonesia_22f (2)’, p. 3.

Purwitasari, A., Muchtar, M.A. and Andriani (2024) ‘Peran Dana Pensiun Syariah Dalam Mewujudkan Sustainable Development Goals ( SDGs ) di Indonesia’, Jurnal Ilmiah Ekonomi dan Manajemen, 2(6), pp. 678–689. Available at: https://doi.org/10.61722/jiem.v2i6.1586.

Putri Cahyono, J.A. and Yazid, M. (2022) ‘Dana Pensiun Syariah’, Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah, 5(4), pp. 1810–1816. Available at: https://doi.org/10.47467/alkharaj.v5i4.2000.

Saefuloh, A. A., Alhusain, A. S., & Silalahi, S. A. F. (2015). Kebijakan Pengelolaan Dana Pensiun Sektor Korporasi ( Pension Fund Management Policy in Corporate Sector ). Jurnal Ekonomi & Kebijakan Publik, 6(1), 77–96.