Cash Endowment (Wakaf Tunai) Development in the Era of the ASEAN Economic Community

The constitution No. 41 of 2004 has expanded the objects to be endowed, in general it's not only the unmoving objects, but the moving object also becomes the object of endowments objects such as cash endowment (money). The management of endowment gets the understanding shift slowly, which is in the narrow sense as an entity limited endowments of worship only, but has now showed as the endowment understanding in the productive manner for the management of endowment property. So the system of cash endowment management needs the management models as the operational standard to use the funds maximally. In this era of MEA, cash endowment is expected to be one of the instruments to assist the government in the financial sector to develop the vital sectors that grow through existing Small and Medium Business (SMB) in the community. Instead, MEA is a challenge for modern development of cash endowment to be Islamic institutions be able to become a source of capital and investment for growth economy of community.


A.
AEC or abbreviated as MEA could be interpreted as a form of economic integration of ASEAN economy, which means all the countries located in Southeast Asia (ASEAN) implements a system of free trade. Indonesia and all other ASEAN countries (9 countries) have agreed on the MEA agreement or in English as ASEAN Economy Community or AEC. The purpose of the establishment is to bring about an economic order that is free DQG RSHQ LQ ÁRZ RI JRRGV VHUYLFHV LQYHVWPHQW DQG FDSLWDO ÁRZV ZKLFK LQ WXUQ LV H[SHFWHG WR LPSURYH WKH ZHOIDUH RI DOO members of ASEAN so it can face the competition in the regional and global scope.
Several studies mention the strategies that can be used in order to compete in the free market, such as further improve WKH LPSRUW H[SRUW FKHFNV FOHDUO\ WKH QHHG RI SROLWLFDO VWDELOLW\ the government must be clean from the corruption, the social order as well as their technological innovation and the availability of adequate infrastructures. However, to achieve DOO LW LV DOVR UHTXLUHG WKH KXPDQ UHVRXUFHV ZKR DUH H[SHUWV LQ VSHFLÀF DUHDV LPSURYLQJ HGXFDWLRQ DQG XWLOL]LQJ WKH H[LVWLQJ natural resources to improve the management of the raw materials production so the Indonesian people have adequate economic welfare standards.
Based on these conditions, in fact Indonesia still has the RWKHU SRWHQWLDO WKDW LV QRW RSWLPL]HG LQ WKH DVSHFWV RI UHVRXUFH HQGRZPHQWV 7KH H[LVWHQFH RI HQGRZPHQW ODQG LQ ,QGRQHVLD counted up to 2014, there are 191,581 locations (one hundred DQG QLQHW\ RQH WKRXVDQG ÀYH KXQGUHG DQG HLJKW\ RQH ORFDWLRQ with an area of 21.251,22 hectares 1 covering (twenty-one thousand two KXQGUHG DQG ÀIW\ RQH SRLQW WZHQW\ WZR KHFWDUHV has a great potential to reach the purpose of endowments that is for the welfare of the people. But nazhir (the recipients of endowments) do not have the innovative ideas about how to process and manage the SURGXFWLYH HQGRZPHQWV 7KH PDMRULW\ RI WKH QD]KLU RQO\ IRFXV on the construction of places of worship, cemeteries and other public facilities that tends to be unproductive. Furthermore, endowments not only related to issues of spirituality and religion, but also an important issue that can affect the economic, political, community, education, and social development. Therefore, the productive management of a good management V\VWHP EHFRPHV YHU\ LPSRUWDQW WR GR LQ RUGHU WR UHDOL]H VRPH of these aspects, and one of them is the economic aspect. 2 $OWKRXJK WKH H[LVWHQFH RI HQGRZPHQW GRHV QRW JLYH WKH direct impact on strengthening the MEA passes that have been launched in 2015 ago. But at least the endowments in the era of modern MEA must be managed modernly and professional ADDIN, Volume 10, Number 2, August 2016 towards the productive endowments. So the endowments do not only touches the social issues but it should be managed in the productive manner that led to the economic development of WKH SHRSOH WR EXLOG D FLYLOL]DWLRQ %DVHG RQ WKH H[SODQDWLRQ LW ZLOO be described in the discussion of the form of cash endowment management arrangement productively in an era of MEA.

B.
Basic Law of Wakaf 1.
Related to these issues, in the Koran there are no clear provisions governing this issue. But the Koran command to do good deed can be used as a common foundation for the practice of endowment. Most jurists associate legal basis endowment by doing good command of al-Qur'an contained in Surah al-Ma'idah [5]: 2 which means that reads, "... And please-menolonglah you in the (working) virtue and piety ..." .Ayat advocates to come together to do good in all forms of good deeds. No good deeds that are eternal and uninterrupted, there is also the last for a FHUWDLQ SHULRG WKHQ HQGHG DQG WKHUH LV DOVR D GLUHFW XWLOL]HG 2Q WKH RWKHU KDQG WKHUH LV JRRGQHVV WKDW OHDGV WR D VSHFLÀF SHUVRQ VXFK DV D SDUWLFXODU JURXS RI SHRSOH ZLWK VSHFLÀF SURSHUWLHV RU IRU D VSHFLÀF SXUSRVH ZLWKRXW ORRNLQJ DW SHRSOH ZKR ZDQW to use it. 3 And Surat al-Ma'un [107]: 7 are set, "and reluctantly (help with) useful stuff". That is, God gave the threat of hell to the people who have bad properties, which were described in this paragraph, they even hold items needed others when they themselves do not need them. 4 Most other jurists associate legal basis endowments with verses from the Qur'an which govern the believers to do good, which is contained in the following verses: 5  The verses of the Qur'an that does not directly describe the endowment, but the jurists associate it as the basis of the common law of endowment. This is due to these verses encourage people of faith to do good through possessions belong to. One of the verses about the act of kindness that is recommended is through endowments.
Besides the common basis of some of the preceding paragraph, there is also a tradition in some of them, the most famous saying of the Prophet (hadis) contains about the endowment is a hadith that tells the endowment from Umar bin al-Khattab. The endowment conducted by Umar bin Khattab is then followed by the companions of the Prophet Muhammad that others such as Usman bin Affan, Abu Talhah, and others. Endowments have been done by the companions then followed by Muslims today in the whole world, particularly in Islamic countries or countries that are predominantly Muslim society such as Egypt, Saudi Arabia, Jordan, Syria, Pakistan, Turkey, Indonesia, and others. 7 Ustman bin Affan, has also dontaed his property when respond to the call of the Prophet to purchase Raumah wells and also when he became the caliph, as Tirmidhi and Nasa'i narrated from Abu Salamah ibn Abdurrahman and Ahmaf bin analogy. In most of its history, the Prophet said, "Whoever buys it (well Raumah), and draw together the Muslims in the wells it well, then he will get to heaven". 8 Imam Muslim and the author of As-Sunna also narrated the hadith of Abu Hurairah that the Prophet said "If the child adam died, then terputuslah all his deeds except for three cases: shadaqah jariah, useful knowledge, children who pray for their parents." In the history of Ahmad Abu Umamah, "And someone who menyadaqahkan treasure and reward go together with the passing shadaqahnya." 9 The scholars interpret that referred to as-sadaqah al-jariah on the hadith is endowment.
In addition based on the Qur'an and the Hadith, the scholars unanimously (ijma ') received endowments as one charity that is prescribed in Islam. No one can negate and reject the practice of the endowment in Islam as endowment has become the practice of continually used and practiced by the companions of the Prophet and the Muslims since the beginning of Islam until now.

Understanding Endowment 2.
The endowment property as a form of spending virtue streets, an alternative offered by Islam as a means to draw closer to God. Wakaf called al-habs (holding), in the language of al-habs means al-sijn (prison), silent, prevent, hindrance, obstacle, "custody" and security. Combined ahbasa word (alhabs) with al-mal (property) means endowment (ahbasa al-mal).

10
1RPHQFODWXUH HQGRZPHQWV LQ WKH ERRNV RI KDGLWK DQG ÀTK is not uniform. Al-Syarkhasi in the book of al-Mabsut provide HQGRZPHQW QRPHQFODWXUH ZLWK DO $ZTDI ,PDP DO 6KDÀ·L LQ al-Umm provide endowment nomenclature with al-Ahbas and even Imam Bukhari hadith include about endowments with nomenclature Kitab al-Washaya. Therefore, technically, endowments referred to by al-ahbas, shadaqah jariah, and al-Awqaf. 11 The diversity of nomenclature endowments because WKHUH ZDV QR ZRUG ZDNDI H[SOLFLWO\ LQ WKH 4XU·DQ DQG +DGLWK 7KLV VKRZV WKDW WKH UHJLRQ LMWLKDGL LQ WKH ÀHOG RI HQGRZPHQWV JUHDWHU WKDQ WDZTLÀ UHJLRQ 1HYHUWKHOHVV WKH UHVXOWV RI KXPDQ ijtihad can not be equated with a law that is human thought as such. Ijtihad has different methods by thought (free-liberal) humans in shaping the law because in the classical theory ÀTLK 12 GHWHUPLQHG KRZ PHWKRGV FDQ EH H[SODLQHG WR GLJ DOO VWHPV from the laws of sharia.
The scholars have different opinions about the meaning RI WKH WHUP HQGRZPHQWV DQG SURYLGH GHÀQLWLRQV WKDW YDU\ according to differences in the school which they profess, both in terms of prevalence and uncommon, terms of approach in the issue of wakaf or wakaf property owner's position after being donated. There was also a difference in perception within the procedures of the wakaf. 15 Here are some opinions of the VFKRODUV ZKR GHÀQH HQGRZPHQWV VXFK DV ,PDP 1DZDZL ZKR EHUPDG]KDE 6KDÀ·L GHÀQHG ZDNDI DV ´GHWHQWLRQ WUHDVXUH WKDW FDQ be used while maintaining the integrity of the goods, regardless of intervention wakif or the other, and the result is channeled IRU WKH EHQHÀW VROHO\ WR WDTDUUXE FORVHU WR $OODK 7KH GHÀQLWLRQ RI WKH 6KDÀ·L VHFW PHQWLRQHG DERYH UHLQIRUFH WKH RZQHUVKLS status of wakaf property, endowments declared valid if the ownership was shifted from the original property owners to Allah. 16 (Perwakafan) and Zakat do not happen WKH VWLIIQHVV VFKRROV OHW DORQH ´V\DÀ·LRULHQWHGµ LW G\QDPLFDOO\ forward the "maqashid sharia" (Islamic law purposes) as a criterion. It was seen from the discourse of jurisprudence DSSOLHG $OPV HQWHUSULVH LQFRPH ]DNDW SURIHVVLRQ HQGRZPHQW money, endowments within a certain period, and the other to accommodate the treasures of Islamic law which is very rich in ijtihad, istinbath and istihsan. 19 The Understanding of Wakaf Contemporary 3.
The history of endowments have played a very important role in community development, management of wakaf gradually shows the positive effects towards better management. Scientists continue to conduct studies on strategic management of wakaf hoping that in the future endowments to function properly. A shift and a change in the strict sense of understanding wakaf endowments as the entity that sees special worship alone, has now been demonstrated understanding of endowments productively towards the management and XWLOL]DWLRQ RI ZDNDI SURSHUW\ According to Tata Fathurohman, Wakaf is a legal act of wakif to hold his property, either temporarily or permanently, used repeatedly in the public interest and in particular in accordance with the principles of Islamic Shariah. This understanding includes many forms of property that may be used as endowments, both in the form of immovable such as land, or moving objects such as money, precious metals, intellectual property rights, and moving objects other in accordance with the provisions of the Sharia and the provisions of the legislation in force. 20 From this sense, the use of wakaf property covers a YHU\ EURDG ÀHOG RI DFWLYLW\ ERWK GLUHFW XWLOL]DWLRQ DV XVHG IRU PRVTXHV DQG VFKRROV RU XWLOL]DWLRQ LV QRW GLUHFWO\ E\ JLYLQJ WKH management of wakaf property productively to the parties HQWLWOHG WR UHFHLYH 8WLOL]DWLRQ LV DOVR LQGLFDWHG LQ JHQHUDO VXFK DV an alternative, both to help the poor and in particular by means wakif designate certain parties entitled to receive the results.
7KH GHÀQLWLRQ RI ZDNDI EDVHG RQ HFRQRP\ LV WKH moving wealth from consumption towards reproductive effort and investment in productive capital that can be produced and produce something that can be consumed in the future, either by individuals or a group. 21 The GHÀQLWLRQ RI SURGXFWLYH HQGRZPHQWV WHUPLQRORJ\ LV WKH transformation of the management of natural endowments into wakaf professional management to improve or add to the EHQHÀWV RI HQGRZPHQWV 22 The concept of productive endowments are essentially based on the dissatisfaction with the government (especially the Ministry of Religious Affairs) for the management of ZDNDI SURSHUW\ FRQGXFWHG E\ WKH 1D]KLU 7KLV GLVVDWLVIDFWLRQ WULJJHUHG WKH JRYHUQPHQW WR À[ WKH SDUDGLJP RI SURGXFWLYH endowments, by establishing a law on endowments. If connected between the concept of "productive" with dissatisfaction over the government's management of wakaf PDGH E\ WKH 1D]KLU QDWXUDOO\ EHFDPH WKH GHÀQLWLRQ RI ZDNDI endowments professional management to improve or add to WKH EHQHÀWV RI HQGRZPHQWV The Setting Wakaf in Indonesia 4. to control all matters pertaining to the endowment. Indonesian Wakaf Board serve three kinds of endowments ministry namely (a) endowments movable property, (b) donations of land, and (c) cash wakaf. But in practice, the focus of this agency is on the donations of land and cash.
According Jaih Mubarok, there are at least two reasons for the formation of Wakaf Act: 24 First, promote the general welfare. To achieve these objectives, the potential contained within religious institutions WKDW KDYH HFRQRPLF EHQHÀWV QHHG WR EH H[SORUHG DQG GHYHORSHG Among the measures is seen as strategic to promote the general welfare is increase the role of wakaf as a religious institution that was originally only serves as a means of worship and social, into institutions that have the economic power that is believed to promote the general welfare. Therefore, the SRWHQWLDO H[SORUDWLRQ DQG GHYHORSPHQW HQGRZPHQWV XWLOL]DWLRQ in accordance with Islamic principles is a necessity.
Second, WKH SUDFWLFH RI ZDNDI WKDW FXUUHQWO\ H[LVW LQ VRFLHW\ KDV QRW IXOO\ LPSOHPHQWHG LQ DQ RUGHUO\ DQG HIÀFLHQW 2QH SURRI is among the wakaf property is not well maintained, neglected, even resorting to a third party unlawfully. Displacement and transfer of objects endowments into the hands of third parties RFFXU EHFDXVH D QHJOLJHQFH RU LQDELOLW\ QD]LU LQ PDQDJLQJ DQG developing the wakaf property; (b) the attitude of people who are less concerned or do not understand the status of wakaf property that should be protected as a medium to achieve common prosperity in accordance with the objectives, functions, and the allotment of endowments.
The Wakaf Act is a legal product in accordance with the dynamics and needs of the community, because it is a renewal and setting endowments comprehensively. It can be seen among others: (a) object diwakafkan, this law not only set the object is not moving, but moving objects such as money, securities, metals began, securities, vehicles, intellectual property rights, the right to lease, and other moving objects; (b) improvement UHTXLUHPHQWV QD]LU QD]LU IRU H[DPSOH VKRXOG EH WKH PDQGDWH WKLV OHJLVODWLRQ DOVR VHW WKH QD]LU ZKR VKDSHG WKH RUJDQL]DWLRQ F WKH HVWDEOLVKPHQW RI QHZ LQVWLWXWLRQV LQ WKH ÀHOG RI SHUZDNDIDQ QDPHO\ ,QGRQHVLDQ :DNDI %RDUG G RI WKLV ODZ HPSKDVL]HV WKH empowerment and development of wakaf property that has high economic potential to improve the welfare of the community; (e) the provisions of the criminal and administrative sanctions for parties who deliberately abuse the wakaf property. 25 ,Q $UWLFOH RI /DZ 1R RI HQGRZPHQWV GHÀQHG as "a legal act wakif to separate and / or hand over part of WKHLU ZHDOWK HLWKHU SHUPDQHQWO\ RU IRU D VSHFLÀHG SHULRG LQ accordance with their interests for purposes of worship and / or general well-being according to sharia." Study contained in the wakaf Act is more comprehensive when compared to some RI WKH OHJLVODWLRQ WKDW ZHQW EHIRUH LQ WKH ÀHOG RI HQGRZPHQWV 26 +HUH DUH WKH WKLQJV FRQWDLQHG LQ WKH GHÀQLWLRQ RI :DNDI endowments according to the Act and its implementing regulations, that: Wakaf is a legal act giving wakaf (wakif) a legal effect a.
immediately after the release of property rights can be interpreted berwakaf wakif states make over the property at the time of wakaf.
is not solely for the sake of social and religious facilities, but also to promote kejesahteraan directed public by LQFUHDVLQJ WKH SRWHQWLDO DQG HFRQRPLF EHQHÀWV ZDNDI 7KH XWLOL]DWLRQ RI ZDNDI SURSHUW\ PHQWLRQHG DERYH FDQ c.
be implemented for a period or forever (eternal). MEA will establish ASEAN as a single market and production base to make ASEAN a more dynamic and competitive with the mechanisms and measures to strengthen WKH LPSOHPHQWDWLRQ RI H[LVWLQJ DQG QHZ HFRQRPLF LQLWLDWLYHV accelerate regional integration in priority sectors; facilitating the movement of business, skilled labor and talents; and strengthen WKH LQVWLWXWLRQDO PHFKDQLVPV RI $6($1 $V D ÀUVW VWHS WR UHDOL]H WKH $6($1 (FRQRPLF &RPPXQLW\ ADDIN, Volume 10, Number 2, August 2016 Importance MEA is inseparable from the positive impact DQG EHQHÀWV RI WKH LPSOHPHQWDWLRQ RI IUHH WUDGH LQ WKH UHJLRQ of the Southeast Asian region. Maybe this time the positive impact has not been so pronounced for MEA has just occurred, QDPHO\ LQ EXW WKH PDJQLWXGH RI H[SHFWHG EHQHÀWV ZLOO EH felt in subsequent years. And below are some of the positive LPSDFWV RU EHQHÀWV RI 0($ LQFOXGLQJ 29 $6($1 (FRQRPLF &RPPXQLW\ ZLOO HQFRXUDJH WKH ÁRZ a.

7KLV ODZ EHVLGHV HQGRZPHQW HQKDQFH H[LVWLQJ UHJXODWLRQV
of foreign investment into the country that will create a multiplier effect in the various sectors, especially in the ÀHOG RI HFRQRPLF GHYHORSPHQW Market conditions that one (single market) makes the ease b.
of formation of the joint venture (cooperation) between ÀUPV $6($1 UHJLRQ VR WKDW DFFHVV WR SURGXFWLRQ materials more easily Southeast Asian market is a huge market potential as well c.
as promising with an area of about 4.5 million square kilometers and a total population of 600 million people MEA provides an opportunity for ASEAN member d.
countries in terms of increasing the speed of transfer of human resources and capital are two very important factors of production.
of the ASEAN Economic Community is creating a technology transfer from developed countries to developing countries in the Southeast Asia region. 7KDW·V ÀYH SRVLWLYH LPSDFWV RU EHQHÀWV RI WKH implementation of MEAs which started in 2015, which co MEA itself in the form: 30 Develop human resources and capacity building a.
Improve Infrastructure e.
The development of electronic transactions via E-Asean f.
Integrating the industry throughout the region to promote g.
local resources Increased involvement of the private sector to build the h.
Asean economic community. In principle, the MEA was formed on the basis of cooperation among ASEAN countries, where this cooperation is not a new thing because previously has done some in the form of bilateral cooperation. Era MEA is a form of competition in WKH ÀHOG RI HFRQRPLF GHYHORSPHQW WKDW LV EDVHG RQ FRRSHUDWLRQ complementary or complementary.
Field of endowments, which has been promoting forms of productive endowments, which is productive endowments can not be removed from the economic values, especially of Islamic economics. MEA forms of cooperation led to a chance for the development of a modern wakaf in particular through the development of human resources managers of HQGRZPHQWV 1D]KLU IRU H[DPSOH E\ GRLQJ D FRPSDULVRQ RI the form of management of wakaf in Indonesia with Singapore. Management of wakaf in Singapore is very modern and well ordered, but when viewed from mayoristas of the population is non-Muslim, but endowments run productively. So that the MEA era is a challenge in advancing the wakaf as a form of Islamic institutions were able to become a source of capital and investment for economic growth.

Cash Wakaf Development in AEC Era. 6.
Cash wakaf is done person, group, institution or legal entity in the form of cash, including in terms of money are securities, such as stocks and checks. Cash Wakaf is one of the Islamic economic instruments that potentially improve the socio-economic welfare. Endowments can have a good role to help resolve the problems of socio-economic if it could be managed professionally and productively. In addition, cash wakaf also serves as a strategic investment for eradicating SRYHUW\ DQG DGGUHVVLQJ XQGHUGHYHORSPHQW LQ WKH ÀHOGV of economy, education, health, and so on. As one of the instruments of productive endowments, cash wakaf is a new thing in Indonesia.
Cash wakaf can also increase social investment and transform people's savings into capital, as well as help develop the social capital market. Development of cash wakaf in developed countries known as the charity sector. wakaf property, (c) have the ability to account administration EHQHÀFLDU\ G KDYH WKH DELOLW\ GLVWULEXWLRQ RI ZDNDI SURSHUW\ investment, (e) have credibility in the community and operates based on the legislation that is so easily monitored and controlled. 34 The opening of Wakaf Board Indonesia (BWI) as an independent agency tasked to develop perwakafan in Indonesia, where membership is appointed directly by the President of the Republic of Indonesia through Presidential Decree ( 35 Therefore, in order to develop more broadly, cash ZDNDI VKRXOG JHW PRUH DWWHQWLRQ WR ÀQDQFH VRFLDO SURMHFWV through empowerment endowments immovable property which has been a burden. Or it could be through distribution to the development of institutions of education, health, social services and economic empowerment through empowerment of small and medium enterprises. As one of the efforts that WKH GLVWULEXWLRQ RI IXQGV LQ WKH IRUP RI SURGXFWLYH ÀQDQFLQJ PRELOL]HG WR WKH UHDO VHFWRU QDPHO\ E\ SURYLGLQJ PLFUR FUHGLW through the mechanism of the Collective Investment Contract (KIK) sort of Shariah funds collected through the Cash Wakaf &HUWLÀFDWH WR WKH PHGLXP DQG VPDOO FRPPXQLWLHV WKDW KDYH business opportunities and little by little rise out of poverty and deterioration as a result of the protracted crisis.
The economic crisis that hit Indonesia still have an impact on the social conditions of society. The collapse of basic building the nation's economy is the key issue to improve the local economy. The economic actors who felt I knew the adverse effects of these conditions are the small and medium entrepreneurs. For the development and empowerment include: D 3ULRULWL]H WKH SURPRWLRQ DQG GHYHORSPHQW RI 60(V WKDW XVH raw materials derived from natural resources and industry, (b) Giving greater opportunities to professional agencies banking, (c) Training for SMEs in terms of the ability of the process technology and production, (d) Helping SMEs marketing both 35  inside and outside the country, (e) Development of infrastructure to support the economic empowerment of the people. 36 To promote SMEs with the Islamic system is very LQÁXHQWLDO LQ WKH HFRQRPLF SHUEDJDLNDQ SHRSOH HVSHFLDOO\ IRU SME businesses. Therefore, in order to implement the system of Islamic (Sharia) in the community, requires a strategy and seriousness to raiser strength. In Indonesia, SMEs have a strategic role and contribute greatly to the national economy by contributing 53.3% of total GDP (Gross Domestic Product). The number of SMEs in Indonesia reached around 56.2 million units and capable of absorbing 97.2% of the workforce of the total labor force available, 37 the strengthening of SMEs are also the focus of the government in the face of the MEA. Many challenges faced by SMEs in the era of MEA's, among others: mindset of Indonesian society still tends to consume products or services from abroad than in the country, still weak infraktruktur as access tranfortasi that cause economic costs EHFRPH KLJKHU WKH OLPLWDWLRQV RI 60(V LQ XWLOL]LQJ WHFKQRORJ\ the number of SMEs that do not have a business plan that LV QRW \HW PDWXUH DQG PRVW LPSRUWDQWO\ 60(V IDFH ÀQDQFLDO constraints in the development of the business. So work movement increase cash wakaf is necessary, where PRGHOV RI FDVK ZDNDI WKURXJK WKH &HUWLÀFDWH RI (QGRZPHQWV Cash felt necessary and urgent as alternative instruments that FDQ ÀOO WKH GHÀFLHQFLHV LQ VHFWRUV FRQFHUQLQJ WKH LPSURYHPHQW of the welfare of the community, particularly in this era of MEA this demanding government's readiness to perform various strategy plans in the face of MEA, including: strengthening the competitiveness of the economy, strengthening the ACI program (Aku Cinta Indonesia) which is one of the movement 'Nation Branding' part of the development of creative economy, including in the Presidential Decree No. 6, 2009 the program contains the Creative Economy for the 27 State and Local Government Ministry, repair infrastructure, the increase of the quality in human resources, as well as strengthening the growth of SMEs.

Conclusion C.
ASEAN Economic Community will establish ASEAN as a single production base that makes ASEAN a more dynamic and competitive with the mechanisms and measures to strengthen the priority sectors, facilitating the movement of business, skilled labor, and to the strengthening of institutional mechanisms of ASEAN. Endowments in cash as a religious institution, should EH PHGHUQ GLNHORODDQ VR DV WR PD[LPL]H LWV IXQFWLRQ EHFRPH RQH RI WKH ÀQDQFLDO LQVWUXPHQWV WKDW FDQ VWUHQJWKHQ HFRQRPLF growth is through channeling funds to the community, such as helping the growth of SMEs, since SMEs are also to be one focus of the government in the face of the MEA.