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All Journal Baitul Hikmah: Jurnal Ilmiah Keislaman Sharia Economic and Management Business Journal (SEMBJ) Sharia Oikonomia Law Journal
Widya Khaidir
Institut Agama Islam Diniyyah Pekanbaru
Religion Agriculture, Biological Sciences & Forestry Computer Science & IT Economics, Econometrics & Finance Education Other

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Peran Wakaf Produktif dalam Mewujudkan Ekonomi Hijau dan Keuangan Inklusif Berbasis Syariah Widya Khaidir; Indra Praja Siregar; M. Sulaiman Ridwan
Baitul Hikmah: Jurnal Ilmiah Keislaman Vol. 4 No. 1 (2026): Baitul Hikmah: Jurnal Ilmiah Keislaman
Publisher : Pascasarjana IAI Diniyyah Pekanbaru

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46781/baitul_hikmah.v4i1.2250

Abstract

Penelitian ini mengkaji peran wakaf produktif dalam mewujudkan ekonomi hijau dan keuangan inklusif berbasis syariah. Tujuan penelitian ini adalah menganalisis bagaimana wakaf produktif dapat dioptimalkan sebagai instrumen keuangan sosial Islam untuk mendukung pembangunan berkelanjutan yang ramah lingkungan sekaligus memperluas akses pembiayaan bagi masyarakat yang belum terlayani secara optimal. Penelitian ini menggunakan metode kualitatif deskriptif berbasis studi pustaka terhadap artikel ilmiah, dokumen kebijakan, dan laporan kelembagaan yang relevan dengan wakaf produktif, wakaf hijau, CWLS/CWLD, dan inklusi keuangan syariah. Hasil penelitian menunjukkan bahwa wakaf produktif memiliki potensi besar untuk membiayai proyek hijau seperti energi terbarukan, pertanian berkelanjutan, konservasi lingkungan, dan pemberdayaan masyarakat. Selain itu, wakaf produktif juga dapat memperluas akses pembiayaan syariah bagi UMKM dan kelompok rentan. Simpulannya, wakaf produktif dapat menjadi jembatan strategis antara nilai-nilai Islam, keberlanjutan lingkungan, dan keuangan inklusif. Penguatan tata kelola, digitalisasi, kapasitas nazhir, dan kolaborasi lintas institusi menjadi kunci untuk memaksimalkan dampaknya.
Strategi Dakwah Berbasis Pemberdayaan Ekonomi Untuk Meningkatkan Kualitas Pendidikan Agama Imam Sholat Yeni Yasyah Sinaga; Widya Khaidir
Baitul Hikmah: Jurnal Ilmiah Keislaman Vol. 3 No. 1 (2025): Baitul Hikmah: Jurnal Ilmiah Keislaman
Publisher : Pascasarjana IAI Diniyyah Pekanbaru

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46781/baitul_hikmah.v3i1.1662

Abstract

Penelitian ini bertujuan untuk mengembangkan strategi dakwah berbasis pemberdayaan ekonomi guna meningkatkan kualitas pendidikan agama imam sholat di Perumahan Griya Pada Karya 6 Kec. Rumbai Kota Pekanbaru. Penelitian ini dilaksanakan dengan menggunakan metode analisis kualitatif yaitu menganalisis data dengan observasi, wawancara dan dokumentasi. Hasil penelitian ini menunjukkan bahwa strategi dakwah berbasis pemberdayaan ekonomi dapat meningkatkan kualitas pendidikan agama imam sholat. Dengan memberdayakan ekonomi imam sholat. Dapat disimpulkan bahwa strategi dakwah berbasis pemberdayan ekonomi terbukti efektif untuk meningkatkan kualitas Pendidikan agama imam sholat di lingkungan Perumahan Griya Pada Karya 6 Kec. Rumbai Kota Pekanbaru. Dengan memberdayakan ekonomi imam sholat, kita dapat meningkatkan kemampuan mereka dalam menjalankan ibadah dan meningkatkan kualitas hidup. Dan dapat dapat meningkatkan kemampuan mereka dalam menjalankan ibadah dan meningkatkan kualitas hidup. keberhasilan dakwah sangat tergantung pada dokumen komunitas dan system ekonomi mikro yang terintegrasi. Beberapa strategi yang terbukti efektif adalah: pembentukan koperasi masjid, pelatihan kewirausahaan untuk imam dan remaja masjid, insentif berbasis kinerja imam, dan pemanfaatan dana sosial (infak, sedekah) untuk program Pendidikan agama imam sholat. Penelitian ini memeberikan kontribusi bagi pengelola masjid dan lembaga keagamaan pada pengembangan strategi dakwah yang efektif dan berbasis pemberdayaan ekonomi dilingkungan Perumahan Padat Karya 6 Kec. Rumbai Kota Pekanbaru.
Qur'anic Wealth Management (At-Tamwil) and Digital Waqf Transformation in Indonesia: A Systematic Literature Review Widya Khaidir; Nurul Muyasaroh; Muhammad Irwan Padli Nasution; Muhammad Habibi Siregar
Sharia Economic and Management Business Journal (SEMBJ) Vol. 7 No. 1 (2026): Sharia Economic and Management Business
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v7i1.2556

Abstract

Background: As Islamic financial technology (fintech) continues to expand rapidly, the digitalization of waqf presents a strategic opportunity that is both timely and urgent. However, much of the existing scholarship has concentrated narrowly on jurisprudential rulings and technical feasibility, leaving the deeper normative foundations of the Qur'an as a source of Islamic wealth stewardship largely unexplored. Method: This study aims to examine the Qur'anic concept of wealth management (at-tamwīl) through thematic exegesis (maudhū'ī tafsir), and to develop a framework that integrates these principles with digital waqf innovation in Indonesia. A qualitative descriptive design was employed, combining thematic Qur'anic interpretation as its primary approach with a Systematic Literature Review (SLR) following the PRISMA protocol. Results: The study identifies five core at-tamwīl principles derived from the Qur'an: istikhlaf (trusteeship and accountability), tanmiyah wa tazkiyah (growth and purification), tawazun wa 'adl (balance and distributive justice), tasylif wa bayyinah (clarity and evidentiary transparency), and maqashidiyyah (public welfare orientation). These principles are integrated into the "Digital At-Tamwil" model a conceptual framework that positions technologies such as blockchain, smart contracts, waqf crowdfunding, and data analytics as instruments for operationalizing Qur'anic values within digital waqf governance, rather than as replacements for Islamic ethical standards. The study further identifies ethical risks inherent to digitalization, including materialistic reductionism, digital exclusion among underserved communities, and the erosion of interpersonal bonds between donors (waqif), managers (nazhir), and beneficiaries (mustahiq). Conclusion: This research affirms that sustainable digital waqf transformation demands a strong normative grounding in Qur'anic teachings, not merely technological modernization. The Digital At-Tamwil model offers a novel contribution by bridging sacred scripture, Indonesia's contemporary socio-economic realities, and the digital ecosystem positioning waqf as a resilient instrument of sustainable development while preserving its spiritual essence.
Comparative Analysis of Sharia Business Management in Various Industrial Sectors Widya Khaidir; Husain Nurisman; Xie Guilin; Deng Jiao
Sharia Oikonomia Law Journal Vol. 2 No. 2 (2024)
Publisher : Yayasan Adra Karima Hubbi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70177/solj.v2i2.1156

Abstract

In the midst of increasing interest and growth in sharia-based industries in various sectors, research on sharia business management is becoming increasingly important. Indonesia sees great potential in sharia economics as a substitute for an ethical and sustainable economic system. The main objective of this research is to find out how sharia management principles are applied in various industries and to find different and similar ways. IThis study was conducted using qualitative methods and comparative case studies. Data was collected through in-depth interviews with managers and executives in retail, food and beverage, banking and tourism businesses. In addition, secondary data was obtained from academic publications, industry publications, and company annual reports.. The research results show that the application of sharia business management in various industries varies. The level of compliance of the sharia banking sector with sharia principles is very high, especially in terms of financial transactions and banking products. The food and beverage and retail sectors place more emphasis on halal aspects in the supply chain and products sold, while sharia tourism places more emphasis on service and experience aspects that are in line with Islamic values. This study found that sharia business management has many applications, depending on the characteristics and needs of each industry.  
Blockchain and its Potential in Strengthening Islamic Economic Law Mufadhol Mufadhol; Widya Khaidir; Lie Jie; Cai Jixiong
Sharia Oikonomia Law Journal Vol. 2 No. 3 (2024)
Publisher : Yayasan Adra Karima Hubbi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70177/solj.v2i3.1158

Abstract

Various aspects of life, including economics and law, have been greatly influenced by advances in information technology. Blockchain is one of the most popular technological innovations today. The technology known as blockchain allows digital transactions to be recorded securely and transparently without the use of intermediaries. This research examines the potential for using blockchain technology to strengthen Islamic economic law. Specifically, this research seeks to find out how blockchain features can support sharia principles such as transparency, fairness and honesty in economic transactions. Apart from that, this research also examines the challenges and opportunities of implementing blockchain technology in a human-based economic system. This study uses qualitative methodology and literature study. The data used in this research was obtained from various secondary sources, such as books, research reports, scientific journals, and articles related to the topic of blockchain and Islamic economic law. The research results show that blockchain has several characteristics that can support Islamic economic law. The main components of transaction records, such as transparency and immutability, can ensure that all transactions are carried out honestly and in accordance with sharia principles. In addition, blockchain technology allows automatic transactions that comply with Islamic law, such as mudharabah contracts and buying and selling. However, this research found several problems. This research finds that blockchain can help implement Islamic economic law by increasing honesty, transparency and fairness in transactions. This technology can help ensure that sharia rules are applied consistently in various forms of economic transactions. However, to fully exploit this potential, governments, academics and practitioners must work together to address existing problems.
Co-Authors Cai Jixiong Deng Jiao Husain Nurisman Indra Praja Siregar Lie Jie M. Sulaiman Ridwan Mufadhol Mufadhol Muhammad Habibi Siregar Nasution, Muhammad Irwan Padli Nurul Muyasaroh Xie Guilin Yeni Yasyah Sinaga