Pengelolaan Dana Haji Beralih dari Kemenag ke Lembaga Ini
Friday, March 2, 2018
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Pengelolaan Dana Haji Beralih dari Kemenag ke Lembaga Ini
Opini Bangsa - Badan Pengelola Keuangan Haji (BPKH) resmi mengambilalih dana haji dari Kementerian Agama (Kemenag). Pengambilalihan dana haji tersebut telah dilakukan sejak ditandatanganinya Peraturan Pemerintah Nomor 5 Tahun 2018 oleh Presiden Joko Widodo (Jokowi).
Aturan tersebut tentang Pelaksanaan Undang-Undang Nomor 34 Tahun 2014 tentang Pengelolaan Keuangan Haji. Di dalam aturan itu, tertuang juga tata cara pengeluaran penempatan, dan investasi keuangan haji.
Beleid ditandatangani Presiden Jokowi pada 13 Februari 2018. Pengeluaran atau penempatan investasi keuangan haji dapat dilakukan dalam bentuk produk perbankan syariah seperti giro, deposito berjangka, dan tabungan.
Investasi keuangan haji juga dapat dilakukan dalam bentuk surat berharga, emas, investasi langsung, dan investasi lainnya. Yang pasti, itu semua dilakukan sesuai prinsip syariah dengan mempertimbangkan aspek keamanan, kehati-hatian, nilai manfaat, dan likuiditas. Serta investasi haji wajib dilakukan dengan mengoptimalkan pengelolaan risiko.
Pada pasal 27 ayat 2, selama tiga tahun sejak BPKH terbentuk, pengeluaran atau investasi keuangan haji dalam bentuk penempatan pada produk perbankan syariah paling banyak 50% dari total penempatan dan investasi keuangan haji.
Untuk selanjutnya setelah tiga tahun BPKH terbentuk, pengeluaran atau investasi keuangan haji dalam bentuk penempatan produk perbankan syariah paling banyak 30% dari total penempatan dan investasi keuangan haji.
"Sisa dari total penempatan keuangan haji pada produk perbankan syariah sebagaimana dimaksud pada ayat 2 atau ayat 3 dialokasikan untuk investasi," bunyi beleid itu seperti yang dikutip detikFinance, Jakarta, Jumat (2/3/2018).
Investasi keuangan haji boleh juga masuk ke surat berharga syariah yang diterbitkan oleh pemerintah pusat, Bank Indonesia, dan efek syariah yang diatur dan diawasi oleh Otoritas Jasa Keuangan (OJK). Efek syariah yang dimaksud meliputi saham syariah yang dicatatkan di bursa efek, sukuk, reksadana syariah, efek beragunan aset syariah, dana investasi real estat syariah, dan efek syariah lainnya.
Untuk penempatan keuangan haji ke emas dapat dilakukan dalam bentuk emas batangan bersertifikat yang diproduksi atau dijual di dalam negeri dan atau dalam bentuk rekening emas yang dikelola oleh OJK. Investasi emas paling banyak 5% dari total penempatan atau investasi keuangan haji.
Sedangkan untuk investasi langsung dilakukan dengan cara memiliki usaha sendiri, penyertaan modal, kerja sama investasi, dan investasi langsung lainnya. Hal ini dapat dilakukan dalam bentuk kerja sama antara BPKH dengan badan usaha atau lembaga di dalam maupun luar negeri.
Investasi langsung paling banyak 20% dari total penempatan atau investasi keuangan haji. Untuk investasi lainnya paling banyak 10% dari penempatan atau investasi keuangan haji. [opini-bangsa.com / detik]
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