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All Journal Sinergi International Journal of Islamic Studies JEIZA: Jurnal Ekonomi Islam Az-Zain Profetika: Jurnal Studi Islam
Fahmi Alhadi
STIT Muhammadiyah Lumajang
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Social Sciences Other

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Data-Driven Prioritization of Productive Zakat Distribution: Evidence from Poverty and Social Assistance Gaps in East Java: Prioritisasi Penyaluran Zakat Produktif Berbasis Data: Bukti dari Kesenjangan Kemiskinan dan Bantuan Sosial di Jawa Timur Fahmi Alhadi; Zainol Fata
JEIZA : Jurnal Ekonomi Islam Az-Zain Vol. 2 No. 1 (2025): JEIZA : Jurnal Ekonomi Islam Az-Zain
Publisher : Program Studi Ekonomi Syariah & LP2M STAI Az-Zain Sampang

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study develops a priority model for productive zakat distribution by aligning poverty data with gaps in government assistance in East Java, Indonesia. Using a quantitative evaluative approach, we analyzed secondary data from 38 districts/municipalities, focusing on poverty rates and the number of food aid beneficiaries. A composite scoring model was constructed, assigning higher weight to poverty (60%) and lower weight to social aid coverage (40%) to identify underserved regions. Findings show a significant mismatch between poverty levels and government assistance allocation, with areas like Sampang, Bangkalan, and Sumenep having high poverty but limited aid coverage. This highlights the urgency of data-driven zakat targeting to address distribution inefficiencies. The proposed scoring model ranks districts transparently, offering a replicable tool for local zakat institutions. Integrating public data sources—such as BAZNAS reports and BPS statistics—into zakat planning can enhance precision, transparency, and social justice. The study contributes methodologically to Islamic social finance and offers practical policy implications to support national zakat governance and Sustainable Development Goals (SDGs). Future research is encouraged to enrich the model by incorporating multidimensional indicators and validating outcomes in broader contexts
Social Capital of Hafidzpreneur Students in Sustainable Sharia Economic Governance: A Maqāṣid Al-Sharīʻah Approach to SDG 8 In Indonesia Unang Fauzi; Dimas Muhammad Hanief Arkaan -; Zikra Juninawan; Fahmi Alhadi
Profetika: Jurnal Studi Islam Vol. 27 No. 03 (2026): Profetika Jurnal Studi Islam 2026
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/profetika.v27i03.18753

Abstract

Objective: This study aims to analyse the contribution of social capital of hafidzpreneur students to sustainable sharia economic governance through the perspective of Maqāṣid al-Sharīʻah to support the achievement of SDG 8. Theoretical framework: The theoretical framework integrates social capital theory (beliefs, networks, and norms) with Maqāṣid al-Sharīʻah as the foundation of sustainable and SDG-oriented sharia economic governance 8. Literature review: Literature review was conducted through an integrative literature review of reputable national and international publications was conducted, including six articles from Profetika: Journal of Islamic Studies, on Islamic social capital, hafidzpreneur, Maqāṣid al-Sharīʻah, and SDG 8. Methods: The research uses a qualitative approach through integrative literature review, conceptual analysis, and content analysis of 324 Indonesian media news articles analysed by thematic synthesis. Results: The results of the study show that hafidzpreneur students form a distinctive Islamic social capital, where the spiritual discipline of tahfidz becomes the foundation for beliefs, socio-religious networks, and ethical norms in entrepreneurial activities. The social capital functions as a governance mechanism that reduces transaction costs, strengthens sharia compliance, and encourages ethical economic behaviour. Content analysis also showed that ḥifẓ al-māl was the most dominant goal of maqāṣid (69%), while 31% of the data simultaneously associated maqāṣid with SDG 8 indicators. Implications: The research findings serve as the basis for the development of tahfidz-based entrepreneurship policies and programs to strengthen sustainable sharia economic governance and support the implementation of SDG 8. Novelty: The novelty of the research lies in the integration of the concept of hafidzpreneur, social capital theory, and Maqāṣid al-Sharīʻah in building a sustainable sharia economic governance model oriented towards SDG 8.
Analysis of Sharia Compliance in Refinancing Procedures for Non-Performing Clients: A Case Study of the Sharia Supervisory Board's Opinion at BPRS Amanah Ummah Dimas Muhammad Hanief Arkaan; Indri; Fahmi Alhadi; Muhammad Dakhlan Gazali; Dessy Asnita; Usamah
Sinergi International Journal of Islamic Studies Vol. 4 No. 3 (2026): August 2026
Publisher : Yayasan Sinergi Kawula Muda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61194/ijis.v4i3.972

Abstract

The expansion of Indonesia’s Islamic banking financing, which reached IDR 643.55 trillion in 2024, alongside a non-performing financing ratio of 2.12%, highlights the need for Sharia compliance in refinancing distressed clients. Prior research has examined product-level compliance, while limited attention has been given to Sharia Supervisory Board (DPS) opinions as ex-ante controls in refinancing decisions at Sharia Rural Banks (BPRS). This study analyzes the refinancing procedure for a non-performing client at BPRS Amanah Ummah and assesses the conformity of DPS Opinion No. 01/DPS/BPRS AU/VI/2025 with DSN-MUI Fatwas. Using a qualitative case-study design, the study examined four documentary sources: the DPS opinion, refinancing contract and addendum, standard operating procedure, and business-condition documents. Data were analyzed through extraction, mapping, compliance assessment, classification, and synthesis. Findings show that the DPS opinion operates as an ex-ante compliance control that informs contract adjustment, obligation rescheduling, and post-refinancing monitoring. The Musyarakah Mutanaqishah–Ijarah refinancing arrangement was consistent, within the reviewed documents, with the assessed provisions of DSN-MUI Fatwas No. 89 on Sharia refinancing, No. 73 on Musyarakah Mutanaqishah, No. 48 on rescheduling, No. 09 and No. 112 on Ijarah, and No. 43 and No. 129 on ta’widh. No documentary evidence of riba, gharar, or zulm was identified. However, asset valuation, Ijarah pricing, disclosure quality, and enforcement fairness were outside the assessment scope. It proposes a document-based DPS supervision model comprising formal opinion issuance, a contract-addendum supervision loop, and post-refinancing monitoring. This model guides BPRS and DPS in mitigating Sharia non-compliance risk.
Co-Authors Dessy Asnita Dimas Muhammad Hanief Arkaan Dimas Muhammad Hanief Arkaan - Indri Muhammad Dakhlan Gazali Unang Fauzi Usamah Zainol Fata Zikra Juninawan