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All Journal Ar-Rasyid: Jurnal Publikasi Penelitian Ilmiah
Erwan Setyanoor
Program Studi Ekonomi Syari’ah, Fakultas Syari’ah, Institut Agama Islam Darul Ulum Kandangan

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ZAKAT PROFESI TERHADAP KESEJAHTERAAN UMAT Fatimah; Shalihah; Erwan Setyanoor
Ar-Rasyid: Jurnal Publikasi Penelitian Ilmiah Vol. 2 No. 1 (2026): Ar-Rasyid: Jurnal Publikasi Penelitian Ilmiah (Januari 2026)
Publisher : PT. Saha Kreasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64788/ar-rasyid.v2i1.279

Abstract

Professional zakat represents an advanced development of zakat concepts within the framework of contemporary economic dynamics, positioning income derived from professional activities as a zakatable asset with significant socio-economic implications. This study aims to examine the contribution of professional zakat to the enhancement of community welfare through structured distribution mechanisms and sustainable empowerment programs. The research employs a literature-based approach by reviewing modern fiqh perspectives, Islamic welfare theories, and empirical studies related to the effectiveness of zakat management. The findings indicate that professional zakat functions as a redistributive instrument capable of reducing income inequality, strengthening the economic capacity of beneficiaries, and fostering social stability. Transparent and accountable management by zakat institutions demonstrates its strategic potential in expanding welfare impacts. Accordingly, the optimization of professional zakat can serve as a fundamental pillar for promoting inclusive and equitable economic development within the Muslim community.
Penggunaan Qris Dan Perubahan Pola Transaksi Keuangan Di Era  Digital: Tinjauan Ekonomi Syariah Ahmad Rezky Adenan; Tiara Muslimah; Erwan Setyanoor
Ar-Rasyid: Jurnal Publikasi Penelitian Ilmiah Vol. 2 No. 1 (2026): Ar-Rasyid: Jurnal Publikasi Penelitian Ilmiah (Januari 2026)
Publisher : PT. Saha Kreasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64788/ar-rasyid.v2i1.280

Abstract

The digital economic transformation has significantly altered financial transaction patterns, particularly through the transition from cash-based payments to digital systems. In Indonesia, the Quick Response Code Indonesian Standard (QRIS), introduced by Bank Indonesia, serves as a national standard for QR code–based digital payments. This study examines the role of QRIS in shaping financial transaction behavior in the digital era and evaluates its compatibility with Islamic economic principles. Using a library research method, this study analyzes academic literature, regulatory documents, and prior studies related to digital payments and Islamic finance. The findings indicate that QRIS enhances transaction efficiency, supports financial inclusion, and improves financial transparency, especially for micro, small, and medium enterprises (MSMEs). From an Islamic economic perspective, QRIS functions as a payment instrument and does not affect contract validity as long as transactions are conducted voluntarily, transparently, and free from riba, gharar, and maysir. Nevertheless, concerns remain regarding the fairness of the Merchant Discount Rate (MDR) if mutual consent is unclear. Overall, QRIS contributes to an inclusive and efficient digital financial ecosystem within Islamic economic principles.
Co-Authors Ahmad Rezky Adenan Fatimah Shalihah Tiara Muslimah