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تحليل الآراء الفقهية حول زكاة الرواتب ومهن الحرة بمنهج الفقه المقارن وآثاره في تنظيم اقتصاد المسلمين بإندونيسيا Achyari, Tubagus Hamzah; Rachmad, Dedy; Tarmizi, Erwandi
International Journal of Zakat Vol 9 No Special (2024): International Journal of Zakat
Publisher : Center of Strategic Studies (PUSKAS) BAZNAS

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من عدة أنواع الزكاة، ذُكِرَ أن زكاة الرواتب ومهن الحرة، وهي أكبر مصدر للزكاة في إندونيسيا. لذلك يهدف هذا البحث لتحليل الآراء حول زكاة الرواتب والمهن الحرة وتأثيراتها في المجتمع الإسلامي في إندونيسيا . استخدم البحث منهج الفقه المقارن في تحليل الآراء الفقهية المختلفة. والنتائج هي توجد سبعة آراء مختلفة بشأن زكاة الرواتب والمهن الحرة، حيث يتم استخدام نصاب الذهب أو الفضة أو الزروع، ونسبة الزكاة تبلغ 2.5٪ أو 5٪. والباحث أخذ بترجيح الرأي الرابع بنصاب زكاة الفضة وبقياس المال المستفاد، ونصاب الفضة هو الأدنى وبالتالي يُعزِّز الفوائد من حيث زيادة عدد المُزكين والحصول على إيرادات زكاة أعلى. وتلعب مؤسسة LAZ دورًا هامًا في جمع الزكاة، فهناك تباين في الآراء بين المؤسسات وهذا الأمر واضح من حاسبة الزكاة لديهم.

Criticisms The Government's Role of Zakat Regulation in Indonesia for Improving the Zakat Potential Mu’adzah, Nadiyah; Rachmad, Dedy
Islamic Social Finance Vol. 4 No. 1 (2024): Islamic Social Finance
Publisher : SMART Insight

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58968/isf.v4i1.497

This research was conducted to determine previous research trends regarding zakat regulation as well as the sentiment from these studies regarding the policy and implementation of zakat regulations in Indonesia. The methodology used in this research is a qualitative method with descriptive statistics on secondary data from 151 literature studies related to zakat regulation published and available on Dimensions.ai over a period of 7 years (2017-2023). The data analysis techniques used are meta-analysis and sentiment analysis which are processed using Microsoft Excel 2019 and SentiStrength software. Then, to reveal this problem in depth and comprehensively, a Systematic Literature Review (SLR) study was also carried out. The research results show that the publication of scientific literature regarding zakat regulation in Indonesia continues to increase every year, indicating that this field is quite interesting to discuss for researchers and has extensive research space and continues to develop. This study can be used as a reference in identifying influential authors, articles and journals so that future researchers will find it easier to find references that have a big influence on the development of literature on zakat regulation in Indonesia. Apart from that, by knowing what things were criticized from the negative perceptions of previous researchers regarding the policy and practical application of zakat regulation in Indonesia, it is hoped that this research can become evaluation material for regulators and policy makers to revitalize existing regulations to realize their potential.

Performance Evaluation of Sharia Rural Banks: Maqashid Shariah Index Approach (Case Study: Sharia Rural Banks In West Java, Indonesia) Tarmizi, Erwandi; Rachmad, Dedy; Ali, Zulkarnain Muhammad; Maulida, Syahdatul
International Journal of Economics (IJEC) Vol. 3 No. 1 (2024): January-June
Publisher : PT Inovasi Pratama Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55299/ijec.v3i1.916

This study aims to measure the performance of Sharia Rural Banks in West Java using the maqashid sharia approach by Abdul Majid Najjar. The sample used in this study consists of 9 rural banks spread across West Java. The research data employed are secondary data in the form of financial reports for the year 2023 sourced from the Indonesia Financial Services Authority (OJK) website and governance reports for the year 2023 sourced from the official websites of each Sharia Rural Banks. The results of the study indicate that BPRS Al Salaam Amal Salman achieved the highest maqashid sharia score, followed by BPRS PNM Mentari and BPRS Almadinah Tasikmalaya Perseroda as the top three Sharia Rural Banks in West Java with the highest maqashid sharia index scores. Further analysis at the consequence level reveals that "Self" is the consequence with the highest average score compared to other consequences. Meanwhile, the consequence "Intellect" shows the lowest maqashid performance score. This study is expected to serve as a foundation for sharia banks to enhance the implementation of sharia values in their operational practices. Additionally, this study can contribute to a deeper understanding of the compliance of sharia financial institutions with the principles of maqashid sharia at the regional level.

The Impact of Zakat Fund Distribution on BAZNAS Cendekia School (SCB): A Sustainability Livelihood Assessment Wibowo, Herry; Rachmad, Dedy; Indra, Indra
International Journal of Zakat Vol 9 No 2 (2024): International Journal of Zakat
Publisher : Center of Strategic Studies (PUSKAS) BAZNAS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37706/ijaz.v9i2.573

This research aims to measure the extent of the impact of the Zakat distribution program in the education sector by taking a case study of the BAZNAS Cendekia School (SCB) program. This research was conducted using an evaluative approach with the Sustainability Livelihood Impact Assessment (SLIA) framework. Data collection was carried out through literature study, field observations, in-depth interviews. The sample population for this research was comprehensive (total sampling) consisting of 21 school management people, 26 teaching staff, 277 students and 30 heads of local families. The findings from this research show that there has been an increase in all aspects of SLIA with various scales of change, namely the human resource capital aspect of 0.30, social capital of 0.25, natural resource capital of 0.30, physical capital of 0.25 and financial capital of 0.41. The highest change occurred in the financial capital aspect of 0.41 and the lowest change occurred in the social and physical capital aspect. This shows that during the 2017-2020 period, the current social and financial modalities are aspects that are felt to be very useful at this time, so in the future the minimum contribution achieved in this aspect can be maintained. Meanwhile, regarding the aspects of human resource, natural resources and physical modalities, these three aspects need to receive attention to improve optimization so that these already good assets can be more optimally useful for all parties who have an interest in the sustainability of SCB for better education. A limitation of this research is the unavailability of baseline data to measure how big the stakeholder and beneficiary perception scores were at the start of the program. Because this research was conducted in the 3rd year after the SCB started, of course the perception comparison between then and now has the potential for quite large bias.

Pengembangan Masyarakat melalui Pendidikan Kajian Kitab Kuning: Studi Kitab Al-Iqtishod Al- Islami, Al Fiqh Al Islami Wa Adillatuhu, Tafsir Al- Qur'an, dan Ilmu Faraid dalam Program Friday Literacy Rachmad, Dedy; Mustafa, Muhammad Isa; Afifi, Ahmad Levi Fachrul; Effendi, Erus
Tamkin Jurnal Pemberdayaan Tazkia Vol. 3 No. 2 (2025): TAMKIN: Jurnal Pengabdian Masyarakat
Publisher : Tazkia Islamic University College

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30993/tamkin.v3i2.572

Community service is a concept and practice in which individuals, groups, or institutions provide sustained positive contributions to society. The main goal of this service is to improve the quality of life for communities, address social issues, and support sustainable development. One tangible form of this service is through educational development via the Friday Literacy program. “Kitab kuning" refers to classical Islamic literature that encompasses various aspects of religion, such as religious knowledge, fiqh (Islamic law), tafsir (interpretation of the Qur'an), hadith (traditions of Prophet Muhammad), aqidah (belief), and others. The Friday Literacy program for the 2023/2024 period focuses its study on "Al-Iqtishod Al-Islami Li Al-Qur'an Al-Kariim" by Rafiq Yunus al-Mishriy, "Al Fiqh Al Islami Wa Adillatuhu" by Wahbah al- Zuhaili, and the understanding of Ilmu Faraid by Utsaimin. Ilmu Faraid is a monumental work in Islamic literature that discusses various aspects of the distribution of Islamic inheritance. Through the study of these works, it is hoped that Muslim communities can gain a deeper understanding of Islamic teachings, strengthen faith, and improve religious practices. Additionally, this study aims to support community empowerment and sustainable socio- economic development. The Friday Literacy program aims to enhance public understanding of "kitab kuning" and its contribution to socio-economic empowerment, serving as a reference for future program implementations and providing recommendations for further development in the field of Islamic education.

Berwirausaha untuk Menjadi Muzakki Rachmad, Dedy; Avivy, Ahmad Levi Fachrul
Tamkin Jurnal Pemberdayaan Tazkia Vol. 3 No. 2 (2025): TAMKIN: Jurnal Pengabdian Masyarakat
Publisher : Tazkia Islamic University College

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30993/tamkin.v3i2.355

Training on entrepreneurship to become a muzakki aims to provide an attractive platform for entrepreneurs and prospective entrepreneurs to contribute to the development of the sunnah of the Prophet Muhammad SAW which is a guide for Muslims in the world. Imitating the practice of charity in the style of the Prophet Muhammad and his companions is a reflection of humans becoming rich. This is as explained in the word of Allah surah as-shaff verses 10 and 11. This activity aims to socialize the Tazkia institute. This activity is also carried out through training and providing material related to asking for entrepreneurship to become a muzakki.

Determinants of intention to become green waqf waqif in Indonesia Rachmad, Dedy; Akbar, Nashr; Suryomurti, Wiku; Maulida, Syahdatul
Review of Islamic Social Finance and Entrepreneurship Volume 4 Issue 2, 2025
Publisher : Center for Islamic Economics and Development Studies [P3EI]

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/RISFE.vol4.iss2.art5

Purpose – This study investigated the factors influencing Muslims’ intention to participate in green waqf in Indonesia. Specifically, it examines the role of knowledge within the Theory of Planned Behavior (TPB) framework to understand how knowledge, attitudes, subjective norms, and perceived behavioral control shape the intention to become a waqif (a person who endows waqf).Methodology – This study employed a quantitative design using survey data collected from 100 Muslim respondents in Indonesia. Data were analyzed with Structural Equation Modeling (SEM) using SmartPLS 3 to test the relationships between knowledge, attitudes, subjective norms, perceived behavioral control, and intention. Findings – The findings reveal that Knowledge positively influences attitude, and both attitude and perceived behavioral control significantly impact intention to become a waqif. However, subjective norms did not significantly affect intention. Implications – This study contributes to the existing literature by extending TPB in the context of green waqf and offers insights into the role of knowledge in shaping attitudes toward green waqf. Practically, this study highlights the need for increased awareness and structured initiatives to enhance participation in green waqf, particularly through education and government-driven campaigns. Originality – This research adds to the growing literature on green waqf by applying and extending TPB with knowledge, offering fresh insights into the behavioral determinants of waqf participation, and highlighting the link between Islamic philanthropy and environmental sustainability.

Abu Ubaid’s Perspectives And The Dynamics Of Digital Currency In Modern Islamic Economics Mu’adzah, Nadiyah; Rachmad, Dedy; Rusydiana, Aam Slamet
IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita Vol 13 No 1 (2024): IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita - June
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/iqtishaduna.v13i1.1847

This research aims to discover how classical Muslim scholars named Abu Ubaid and contemporary academics think about the existence and Islamic law regarding digital currency. This library research uses meta-analysis, sentiment analysis, and critical analysis. This research uses secondary data from scientific journal articles published in 2017-2023. The data source in this research was obtained from the Dimension database. The research results show that there are 106 pieces of scientific literature about digital currency from an Islamic perspective and 35 scientific kinds of literature about Abu Ubaid in the economic field with fluctuating literature development. Digital currency is not based on Abu Ubaid's thinking about the function of money because digital currency is a virtual currency that does not have underlying assets and many elements of uncertainty and other harm. Contemporary research studies also indicate a prevailing inclination towards negative rather than positive sentiment regarding the presence and implementation of Islamic law in digital currency. The dar'u al-mafasid muqaddam ala jalb al-masalih principle might help resolve the dispute between those who permit and those who forbid it. This research can be used as reference material for relevant research in the future and is helpful as material for public reflection and evaluation for policymakers to revitalize the application of digital currency by Islamic principles.

Performance Evaluation of Sharia Rural Banks: Maqashid Shariah Index Approach (Case Study: Sharia Rural Banks In West Java, Indonesia) Tarmizi, Erwandi; Rachmad, Dedy; Ali, Zulkarnain Muhammad; Maulida, Syahdatul
International Journal of Economics (IJEC) Vol. 3 No. 1 (2024): January-June
Publisher : PT Inovasi Pratama Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55299/ijec.v3i1.916

This study aims to measure the performance of Sharia Rural Banks in West Java using the maqashid sharia approach by Abdul Majid Najjar. The sample used in this study consists of 9 rural banks spread across West Java. The research data employed are secondary data in the form of financial reports for the year 2023 sourced from the Indonesia Financial Services Authority (OJK) website and governance reports for the year 2023 sourced from the official websites of each Sharia Rural Banks. The results of the study indicate that BPRS Al Salaam Amal Salman achieved the highest maqashid sharia score, followed by BPRS PNM Mentari and BPRS Almadinah Tasikmalaya Perseroda as the top three Sharia Rural Banks in West Java with the highest maqashid sharia index scores. Further analysis at the consequence level reveals that "Self" is the consequence with the highest average score compared to other consequences. Meanwhile, the consequence "Intellect" shows the lowest maqashid performance score. This study is expected to serve as a foundation for sharia banks to enhance the implementation of sharia values in their operational practices. Additionally, this study can contribute to a deeper understanding of the compliance of sharia financial institutions with the principles of maqashid sharia at the regional level.

MODEL IMPLEMENTASI PRODUK WAKAF ASURANSI SYARIAH UNTUK YAYASAN PENDIDIKAN DI INDONESIA Dono Satrio; Rachmad, Dedy
Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Vol. 8 No. 02 (2024): Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam
Publisher : Sekolah Tinggi Agama Islam Al Hidayah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30868/ad.v8i02.7364

Penelitian ini bertujuan untuk menjelaskan model implementasi produk wakaf asuransi syariah untuk yayasan pendidikan di Indonesia. Penelitian kualitatif ini menggunakan metode penelitian kepustakaan. Blue print product knowledge RIZQIA adalah sumber primer dalam penelitian ini dan sumber sekunder adalah literatur pendukung tentang objek penelitian. Hasil penelitian ini menunjukkan bahwa model implementasi produk wakaf asuransi syariah untuk yayasan pendidikan di Indonesia melalui mekanisme produk RIZQIA, yang mencakup tabungan, wakaf, dan asuransi yang dibuat oleh PT. Asuransi Jiwa Generali Indonesia. Adapun perencanaan keuangan produk RIZQIA menfasilitasi sebuah ekosistem perencanaan keuangan lembaga yayasan berbasis kebermanfaatan, mulai dari solusi skema untuk segmentasi guru dan karyawan, murid serta wali murid. Penelitian ini memiliki kebaruan dalam hal inovasi model produk wakaf asuransi syariah khususnya dari mekanisme produk, kemaslahatan ekosistem pendidikan dan skema integrasi manajemen keuangan sesuai syariah untuk yayasan pendidikan di Indonesia.

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