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All Journal J-Alif : Jurnal Penelitian Hukum Ekonomi Syariah dan Budaya Islam KASBANA: Jurnal Hukum Ekonomi Syari'ah
Laila Afni Rambe
Institut Agama Islam Rokan
Religion Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice

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ANALISIS KEPATUHAN MAQASHID SYARIAH DALAM TRANSAKSI DIGITAL PERBANKAN SYARIAH : STUDI LAYANAN BSI MOBILE Abdur Rokhim; Supardi; Laila Afni Rambe
KASBANA Vol 6 No 1 (2026): Januari (IN PROGRESS)
Publisher : Sekolah Tinggi Ilmu Syariah Darul Falah Bondowoso

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Abstract

Abstract The development of digital services in Islamic banking has undergone significant transformation, one of which is through the BSI Mobile application presented by Bank Syariah Indonesia (BSI). This study aims to analyze the alignment of the fund transfer service on the BSI Mobile application with the principles of Maqashid Sharia, which include the protection of religion (hifz ad-din), life (hifz an-nafs), intellect (hifz al-'aql), descendants (hifz an-nasl), and property (hifz al-mal). The research method used was descriptive qualitative, with a library research approach, interviews, and observation. The results indicate that the fund transfer service through BSI Mobile complies with the principles of Maqashid Sharia and aligns with the fatwa of the National Sharia Council of the Indonesian Ulema Council (DSN-MUI), particularly in terms of transaction security, ease of access, and cost transparency. However, several areas still need improvement to ensure a more comprehensive implementation of Sharia principles. Keywords: Digital Services, Bank Syariah Indonesia, Fund Transfer, BSI Mobile, Maqashid Syariah.
Dinamika Legitimasi Sosial dan Formal Dalam Pengelolaan Zakat: Studi Kasus Masjid At-Taqwa Marbau Muhammad Alwi Dalimunthe; Laila Afni Rambe; Ilka Sawidri Daulay
J-Alif : Jurnal Penelitian Hukum Ekonomi Syariah dan Budaya Islam Vol 11, No 1 (2026): J-Alif, Volume 11, Nomor 1, Mei 2026
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat Universitas Al Asyariah Mandar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35329/jalif.v11i1.7099

Abstract

This study examines the dynamics of social and formal legitimacy in zakat management at Masjid At-Taqwa Marbau, focusing on local committees operating without formal administrative recognition. The academic problem addressed is how social legitimacy is formed and interacts with fiqh principles and formal regulations, as well as its implications for the sustainability of zakat management. The study employs a qualitative case study approach, involving in-depth interviews, participatory observation, and documentation, with data analyzed using Huberman and Miles’ interactive analysis model. Findings indicate that community-based zakat management operates temporarily and informally, emphasizing efficiency, procedural simplicity, and social harmony. Social legitimacy is established through trust, tradition, social proximity, and informal religious authority, often serving as the primary foundation for the practice’s success. Tensions arise when social legitimacy intersects with formal legal requirements and fiqh principles, particularly regarding accountability, distribution, and the status of amil. This study proposes a hybrid legitimacy model, integrating the strengths of social legitimacy with formal governance principles, allowing zakat management to remain community-based while enhancing accountability and transparency. The findings contribute conceptually to understanding the relationship between social and formal legitimacy in zakat management in Indonesia.
Co-Authors Abdur Rokhim Ilka Sawidri Daulay Muhammad Alwi Dalimunthe Supardi