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All Journal Keris: Journal of Community Engagement Referensi Islamika: Jurnal Studi Islam
Aldi Khusmufa Nur Iman
Universitas Trunodjoyo Madura
Religion Humanities Education Other

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Edukasi Strategi Pendayagunaan ZISWAF untuk Kemandirian Ekonomi Jamaah di Pondok Pesantren Mambaul Ulum Al-Birowi Aldi Khusmufa Nur Iman; Hawa Gazani; Clara Devy Yulvia Ratna Sary; Afaful Ummah; Afuza Medina
Keris: Journal of Community Engagement Vol. 6 No. 1 (2026): KERIS: Journal of Community Engagement
Publisher : Institut Pesantren Sunan Drajat Lamongan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55352/keris.v6i1.3152

Abstract

Mosques have significant potential for the socio-economic empowerment of the community through the instruments of Zakat, Infaq, Sadaqah, and Waqf (ZISWAF). However, in reality, the management of these funds is often passive and consumptive, mostly allocated for physical maintenance. This community service activity aims to provide education and formulate a strategic framework for "Masjid Berdaya, Umat Berkarya" to transform ZISWAF management into productive empowerment at Pondok Pesantren Mambaul Ulum Al-Birowi, Sokobanah District, Sampang Regency. The method used is Participatory Action Research (PAR) involving 50 participants, consisting of Islamic boarding school administrators, mosque takmirs, and local residents. The activity was carried out in five stages: problem identification, planning, implementation, reflection and evaluation, and further development. The results indicated a paradigm shift and a quantitatively significant increase in understanding among the participants. Based on the evaluation, the average pre-test score of participants with a good understanding (categorized as 'Understand' and 'Strongly Understand') of productive ZISWAF strategies was only 13.5%. After the training, the post-test results revealed a drastic improvement, with the average comprehension score reaching 85% (reflecting an overall increase of 71.5%). Specifically, the understanding levels increased regarding the urgency of productive infaq (from 10% to 80%), the distribution of Qardhul Hasan/interest-free loans (from 4% to 80%), the establishment of UMKM bazaars (from 20% to 90%), and the transparency of financial reports (from 20% to 90%). In conclusion, this mentoring program is proven effective in encouraging the partners' commitment to adopt progressive mosque governance to realize the economic independence of the community.
Between fatwa and FOMO: How Muslim millennials reconcile faith with crypto asset investment Aldi Khusmufa Nur Iman; Ahmad Musadad; Ach. Rosidi; Nur Awali Khoirunnisa; Hawa Gazani; Afaful Ummah; Farhatul Muwahidah; Khalilullah Amin Ahmad
Referensi Islamika: Jurnal Studi Islam Vol. 4 No. 5 (2026): October
Publisher : Academic Bright Collaboration

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66053/ri.v4i5.1097

Abstract

This exploratory phenomenological study aims to analyze how selected Muslim millennial investors in East Java, Indonesia, negotiate the psychological pressure of FOMO (Fear of Missing Out) and reconcile their faith with participation in the volatile crypto market, despite the official fatwas from the Indonesian Ulema Council (MUI) and PWNU East Java declaring crypto asset trading impermissible. Using an interpretive phenomenological approach, this research conducted in-depth, semi-structured interviews with 13 Muslim millennial crypto investors across East Java. The qualitative data were coded to identify recurring themes in investor motivation, social influence, and behavioral strategies. The findings reveal that while profit is the universal long-term objective, FOMO frequently serves as the predominant socio-emotional trigger for initial market entry. Decisions among the informants are operationalized through three strategic patterns: buy-and-hold, active management (day, swing, and position trading), and risk diversification. Furthermore, informants internally justify their continued participation through subjective, contextual reflections on Islamic ethical values, namely khalifah, ihsan, maslahah, and falah. The primary methodological limitation is its geographic constraint to 13 informants in East Java, bounding its external generalizability. The findings should be framed as context-specific rather than representative of all Indonesian Muslims. Practically, it highlights the need for inclusive investment education that addresses behavioral vulnerabilities and integrates technical literacy with ethical dimensions. This study offers a phenomenological contribution by demonstrating that among the selected informants, young Muslims navigate the digital economy through subjective personal religious reasoning and behavioral adaptation, moving beyond a rigid binary halal-haram compliance to negotiate their investment actions.
Co-Authors Ach. Rosidi Afaful Ummah Afuza Medina Ahmad Musadad Clara Devy Yulvia Ratna Sary Farhatul Muwahidah Hawa Gazani Khalilullah Amin Ahmad Nur Awali Khoirunnisa