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All Journal Jurnal Iqtisaduna Yudishtira Journal : Indonesian Journal of Finance and Strategy Inside Referensi Islamika: Jurnal Studi Islam
Agustiari
Institut Agama Islam Negeri Kerinci
Religion Humanities Economics, Econometrics & Finance

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Pendistribusian Zakat Bentuk Pinjaman Dalam Mengatasi Pedagang Usaha Mikro Dari Pinjaman Ribawi Di BAZNAS Kabupaten Kerinci Agustiari Agustiari; Muhammad Fauzi
Jurnal Iqtisaduna Vol 7 No 2 (2021)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v7i2.25402

Abstract

Penelitian ini dilatarbelakangi oleh fenomena menjamurnya pelaku usaha mikro yang melakukan kredit riba di lembaga keungan yang berbasis konvensional. BAZNAS Kabupaten Kerinci hadir untuk menjawab fenomena ini, dengan peluncuran program pendistribusian dana zakat bentuk pinjaman untuk bantuan modal bagi pelaku usaha mikro. Oleh karena itu, penelitian dilakukan bertujuan untuk melihat pendisitribusian zakat bentuk kredit dalam mengatasi pedagang usaha mikro dari kredit ribawi, sekalaigus melihat apa saja faktor pendukung dan penghambat pendistribusian kredit secar kredit. Penelitian menggunakan pendekatan deskriptif. Data penelitian menggunakan sumber data primer dengan menggunakan model Miles and Huberman sebagai alat analisis data. Penelitian ini menunjukan bahwa pendistribusian zakat bentuk kredit yang diberikan oleh BAZNAS belum mampu mengatasi semua pedagang mikro dari kredit ribawi. Di lihat dari sisi faktor pendukung dukungan zakat kredit adalah bergulir yang telah mencapai Rp. 1.820.000.000 dan pegawai BAZNAS yang profesional di bidang pengembangan pedagang, dan faktor penghambatnya antara keseimbangan dana yang tersedia dengan jumlah modal yang dibutuhkan pedagang, sehingga masih banyak pedagang yang memilih menggunakan pinjaman ribawi sebagai dana tambahan untuk modal usaha.
Pendistribusian Zakat Bentuk Pinjaman Dalam Mengatasi Pedagang Usaha Mikro Dari Pinjaman Ribawi Di BAZNAS Kabupaten Merangin Dori HP Putra; Agustiari Agustiari; Alan Rakhmat Putra
Yudishtira Journal : Indonesian Journal of Finance and Strategy Inside Vol. 6 No. 1 (2026): Yudishtira Journal : Indonesian Journal of Finance and Strategy Inside
Publisher : Gapenas Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53363/yud.v6i1.181

Abstract

This research is motivated by the phenomenon of the proliferation of micro business traders who make usury loans in conventional-based financial institutions. BAZNAS Merangin Regency is here to answer this phenomenon, by launching a program to distribute zakat funds in the form of loans for capital assistance for micro business traders. Therefore, this study aims to look at the distribution of zakat in the form of loans in overcoming micro merchants from usury loans, as well as to see what are the supporting factors and obstacles to the distribution of zakat on loans. The study used a descriptive qualitative approach. The research data uses primary data sources by using the Miles and Huberman model as a data analysis tool. This study shows that the distribution of zakat in the form of loans provided by BAZNAS has not been able to overcome all micro traders from usury loans. In terms of supporting factors for the distribution of zakat on loans is a revolving fund which has reached Rp. 1,820,000,000 and BAZNAS employees who are professional in the field of merchant development, and the inhibiting factor is the imbalance between the available funds and the amount of capital needed by traders, so that there are still many traders who choose to use usury loans as additional funds for business capital
ASSESSING THE IMPACT OF BUMDES KARYA DERMAWAN ON MAQASID SHARIA-BASED ISLAMIC ECONOMIC WELFARE: A DIFFERENCE-IN-DIFFERENCES ANALYSIS Yogi Ahmad Yani; Muhammad Fauzi; Ahmad Yani; Agustiari
Referensi Islamika: Jurnal Studi Islam Vol. 4 No. 3 (2026): JUNE
Publisher : Academic Bright Collaboration

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66053/ri.v4i3.705

Abstract

This study aims to estimate the net impact, transmission mechanisms, and contribution of BUMDes Karya Dermawan to Maqasid Sharia-based Islamic Economic Welfare within the Dusun Dalam community. This research provides empirical evidence regarding the effectiveness of village economic institutions in enhancing both material and spiritual maslahah. This quantitative study utilizes a retrospective panel data design for the 2014–2025 period, involving 120 respondents (60 in the treatment group and 60 in the control group) selected via purposive sampling. The study explicitly acknowledges the potential for recall bias due to the retrospective nature of the survey, which was mitigated through data triangulation with village documentation. Data analysis was conducted using Difference-in-Differences (DiD) regression and Independent Sample t-test. The findings indicate a significant estimated net impact (DiD) of 8.064 (sig. 0.000) and a corrected post-intervention mean welfare difference of 5.969 (sig. 0.000) between the two groups. The transmission mechanisms identified through qualitative field observations occur through the Savings and Loans unit (functioning as qardhul hasan), agricultural machinery (Alsintan), and agricultural production facilities (Saprodi). The employment variable is proven to be the primary determinant in community welfare improvement. This study recommends strengthening the legal aspects of BUMDes business units by formalizing them into a certified Sharia-compliant system. The primary limitations of this study lie in its reliance on retrospective recall data and its restricted geographical scope. The primary value of this study lies in the application of a retrospective panel DiD framework over an 11-year horizon (2014–2025) to evaluate BUMDes performance through a holistic Maqasid Sharia lens, providing a more rigorous and balanced framework for assessing community-based economic empowerment.
Co-Authors Ahmad Yani Alan Rakhmat Putra Dori HP Putra Muhammad Fauzi Yogi Ahmad Yani