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All Journal Al-Musthofa: Journal of Sharia Economics
Helmi Laila Azizah
Institut Studi Islam Muhammadiyah Pacitan Indonesia
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Library & Information Science

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Analisis Kesesuaian Akad Musyarakah Pada Program Balai Ternak Banjarjo Baznas Pacitan Helmi Laila Azizah; Malta Anatyasari
Al-Musthofa: Journal of Sharia Economics Vol. 9 No. 1 (2026): Al-Musthofa: Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Tarbiyatut Tholabah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58518/al-musthofa.v1i9.5031

Abstract

This study investigates the applicability of the musyarakah contract in the Balai Ternak Banjarjo Program, which is managed by BAZNAS Pacitan. This is an essential issue since musyarakah is employed in a zakat-based livestock development program, along with Islamic financial institutions. The research employs a qualitative descriptive technique. The data were gathered through interviews, observations, and program documents, and then analyzed by comparing musyarakah practices to Islamic principles. The findings indicate that the musyarakah contract has been usually implemented in accordance with Islamic standards. BAZNAS offers funding, cattle, facilities, and mentorship, while members supply labor, cages, time, and livestock management. However, openness, reporting, administration, and oversight all require improvement. The study concludes that musyarakah may be used in zakat-based livestock empowerment programmes if justice, accountability, and transparency are maintained. The key consequence is that BAZNAS should tighten reporting and oversight in order to improve the program's adherence to Islamic values.  
Co-Authors Malta Anatyasari