<![CDATA[This study aims to identify problems and solutions in the development of cash waqf practices through the Micro Waqf Bank innovation model in Aceh. The analytical tool used Analytical Network Process (ANP). Purposive sampling was used to determine the sample with seven informants who are experts in waqf management in Aceh. This research identifies aspects that need attention, such as economic problems of capital sources, delays in repayment of financing, and monitoring/mentoring costs. Inter-institutional synergy, public awareness, and socialization are also important in the social aspect. The institutional aspect involves human resource professionalism, appropriate regulations, limitations of Micro Waqf Banks, and digitalization. In legal & governance aspects, supportive regulations, capital financing for micro and ultra-micro enterprises, and managerial management are the focus of improvement. Solutions have been identified to address the changes required in each aspect. The results show that an inclusive, adaptive, participatory, and integrated Micro Waqf Bank Innovation Model is proposed to optimize cash waqf utilization and support real sector economic growth. Suggestions for improvement include technological infrastructure, human resource training, regulatory adjustments, capital management, monitoring systems, strategic partnerships, socialization, coordination, product diversification, and community participation. This research provides a model for the development of Micro Waqf Banks in Aceh.]]>
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