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All Journal DEVELOPMENT : Journal of Community Engagement Al-Mi'thoa: Jurnal Zakat dan Wakaf
Syarif Hidayatullah
Institut Ilmu Al-Qur'an (IIQ) Jakarta
Social Sciences

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PENDAMPINGAN IMPLEMENTASI PRINSIP KEADILAN DAN MASLAHAT DALAM SKEMA POTONGAN PELUNASAN DINI PEMBIAYAAN MURABAHAH DI PONDOK PESANTREN ARRAHMAN CIDADAP Syarif Hidayatullah
DEVELOPMENT: Journal of Community Engagement Vol. 2 No. 2 (2023): September
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/p7cme824

Abstract

This research is a comprehensive report on a community service program conducted at the Arrahman Cidadap Islamic Boarding School, Sukabumi. The primary focus of this study is an in-depth analysis and assistance in the implementation of the National Sharia Board-Indonesian Council of Ulama (DSN-MUI) Fatwa Number 153/DSN-MUI/VI/2022 concerning the Early Settlement of Murabahah Financing Debt, which revises the old paradigm of Fatwa Number 23/DSN-MUI/III/2002. This research is motivated by academic and practical concerns regarding the low literacy of the boarding school's financial managers regarding the legal shift from a "voluntary" nature (jawaz) to "mandatory" (wujub) in providing discounts (muqassah) for customers who settle their debts early. Using the Participatory Action Research (PAR) method, this research involved the active participation of the boarding school's cooperative administrators in three cycles: problem mapping, educational action, and system institutionalization. The research findings indicate that prior to the intervention, murabahah practices at the Arrahman Cidadap Boarding School tended to ignore the principle of distributive justice, where the profit margin was still taken in full even though the financing duration was significantly reduced due to early settlement. Through a dialogical PAR approach, the community service team successfully reconstructed the understanding of the asatidz and financial managers that muqassah is not merely a reduction in profit, but a theological mandate to uphold the principles of al-'adalah (justice) and al-maslahah (public interest) to avoid ghubn (unilateral loss) and consuming wealth unjustly. The final result of this community service is the establishment of a new Standard Operating Procedure (SOP) that integrates a proportional calculation formula in accelerated settlements, which has been proven to increase the trust of the students' guardians and the institution's liquidity. This report recommends the need for massive socialization of the latest DSN-MUI fatwas to the economic bases of the ummah in rural areas to prevent a gap between sharia idealism and field reality.
Pemahaman Petani Kelapa tentang Zakat Pertanian dan Implementasinya di Desa Air Hitam – Kabupaten Tanjung Jabung Timur Ani Kamisa; Syarif Hidayatullah
Al-Mi'thoa: Jurnal Zakat dan Wakaf Vol 1 No 1 (2023): Al-Mi'thoa: Jurnal Zakat dan Wakaf
Publisher : Prodi Manajemen Zakat dan Wakaf Fakultas Syariah IIQ Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33511/almithoa.v1n1.14-24

Abstract

Zakat is mandatory for whom reach nisab and must be distributed to those eligible to receive it in accordance with Islamic law. The management of zakat aims to enhance effectiveness and efficiency in zakat management, as well as to maximize the benefits of zakat in achieving societal well-being and poverty alleviation. In the Air Hitam Laut village, situated in the Tanjung Jabung of Jambi, the practice of zakat has not yet implemented. The result of study showed that; first, majority of farmers in the Air Hitam Laut village have less zakat literacy. Second, the implementation of agricultural zakat in the village of Air Hitam Laut are varies among farmers, some of the them only engage in irregular infaq & sadaqa. However, the minority have fulfil their obligation to pay agricultural zakat.
Optimalisasi Strategi Pendistribusian Dana Zakat Pada Program RTLH BAZNAS Kota Serang Syarif Hidayatullah
Al-Mi'thoa: Jurnal Zakat dan Wakaf Vol 2 No 2 (2024): Al-Mi'thoa: Jurnal Zakat dan Wakaf
Publisher : Prodi Manajemen Zakat dan Wakaf Fakultas Syariah IIQ Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33511/almithoa.v2n2.15-26

Abstract

Problems with the effectiveness of the distribution of zakat funds often cause aid not to reach people in need, so that the main goal of zakat in reducing poverty is not achieved optimally. This research evaluates the effectiveness of zakat distribution, especially the Uninhabitable House (RTLH) renovation program at BAZNAS Serang City. Qualitative research takes the form of focused interviews with an empirical approach. The research results show that (1) the RTLH program was well received by the community, despite digital and budget challenges. (2) Home appraisals are based on the mustahik's size, materials, and financial condition, with many homes requiring urgent repairs. (3) This program is quite optimal, but needs improvements in the transparency of financial reports, beneficiary data, as well as social and economic support.
Co-Authors Ani Kamisa