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All Journal IJEBD (International Journal Of Entrepreneurship And Business Development) Iqtishodiyah : Jurnal Ekonomi dan Bisnis Islam Asy-Syariah Mu'amalat: Jurnal Kajian Hukum Ekonomi Syariah Adz Dzahab : Jurnal Ekonomi dan Bisnis Islam Jurnal Kewarganegaraan Jurnal Ekonomi Syariah Pelita Bangsa Muhasabatuna: Jurnal Akuntansi Syariah Iqtishodiyah : Jurnal Ekonomi dan Bisnis Islam Jurnal Riset Ilmu Ekonomi dan Bisnis Economic Reviews Journal DIRHAM Jurnal Ekonomi Islam Al-Idarah : Jurnal Manajemen dan Bisnis Islam Journal of Artificial Intelligence and Digital Business Al-Khidmah: Jurnal Pengabdian Kepada Masyarakat Finance IJIEF: Indonesian Journal of Islamic Economics and Finance
Hayatul Millah
Universitas Islam Zainul Hasan Genggong
Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Efektifitas Program Perumahan Bersubsidi pada Produk KPR Syariah di Bank BTN KCP Syariah Probolinggo Dewi Hilmiyatus Syamsiah; Hayatul Millah
Jurnal Kewarganegaraan Vol 6 No 2 (2022): Desember 2022
Publisher : UNIVERSITAS PGRI YOGYAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31316/jk.v6i2.3968

Abstract

AbstrakRumah adalah bangunan yang berfungsi sebagai tempat tinggal atau hunian dan sarana pembinaan keluarga. Setiap kebutuhan individual berbeda, memilki rumah yang nyaman aman dan tentram  adalah impian semua orang. Adapun UUD 1945 pasal 28 H ayat 1 menyatakan bahwa setiap orang berhak memiliki tempat tinggal dengan lingkungan yang sehat dan baik. Kerap kali presentase pertumbuhan penduduk makin hari makin meningkat, hingga saat ini penduduk Indonesia sudah mencapai 257 juta jiwa dengan persen 1,49% pertahun. Demikian kenaikan kebutuhan rumah mencapai 800 Ribu unit Pertahun. Program KPR bersubsidi hadir diperuntukkan masyarkat yang berpenghasilan rendah atau menengah kebawah dengan menggunakan system fasilitas likuiditas pembiayaan perumahan dengan bunga rendah dan angsuran ringan. Penelitian ini bertujuan untuk mengetahui tingkat efektivitas progam perumahan bersubsidi pada prodak KPR Syariah Probolinggo dan beberapa nasabah merupakan subjek perolehan dari penelitian ini, metode penelitian ini menggunakan penelitian kualitatif dengan memperoleh data primer dan sekunder. Hasil penelitian ini menunjukkan sikap minat nasabah sehingga keefektivitasan program pada KPR Syariah Subsidi  dapat dilihat dari presentase  85,9%. Maka dinyatakan bahwa indikator efektivitas biaya KPR syariah bersubsidi pada Bank BTN Syariah Probolinggo adalah sangat efektif dengan ketentuan dua akad yaitu wakalah dan murabahah.Kata Kunci: Efetivitas, Program dan Penerapan. AbstrakA house is a building that functions as a place to live or a residence and a means of fostering a family. Every individual's needs are different, having a comfortable, safe and peaceful home is everyone's dream. The 1945 Constitution article 28 H paragraph 1 states that everyone has the right to have a place to live with a healthy and good environment. Often the percentage of population growth is increasing day by day, until now Indonesia's population has reached 257 million people with a percent of 1.49% per year. Thus the increase in housing needs reached 800 thousand units per year. The subsidized mortgage program is intended for people with low or middle income by using a housing financing liquidity facility system with low interest and light installments. This study aims to determine the level of effectiveness of the subsidized housing program on the Probolinggo Syariah KPR product and several customers are the subject of the acquisition of this study, this research method uses qualitative research by obtaining primary and secondary data. The results of this study indicate the attitude of customer interest so that the effectiveness of the program on subsidized Sharia mortgages can be seen from the percentage of 85.9%. Then it is stated that the cost effectiveness indicator of subsidized sharia mortgages at Bank BTN Syariah Probolinggo is very effective with the provisions of two contracts, namely wakalah and murabahah.Keywords: Effectiveness, Program and Application.
Maqaṣid Al-Syariʿah sebagai Kerangka Evaluatif untuk Platform Crowdfunding Hayatul Millah; Sirajul Arifin; Maula Nasrifah
Jurnal Riset Ilmu Ekonomi dan Bisnis Volume 6, No. 1, Juli 2026, Jurnal Riset Ilmu Ekonomi dan Bisnis (JRIEB)
Publisher : UPT Publikasi Ilmiah Unisba

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/jrieb.v6i1.9114

Abstract

Abstract. This study aims to develop an evaluative framework based on maqāṣid al-syarī‘ah for sharia crowdfunding platforms within social financing in Indonesia. The study employs a qualitative approach using a library research design, drawing on academic literature, regulations, and documents from the Islamic fintech industry. Data analysis is conducted using thematic analysis. The findings present a maqāṣid al-syarī‘ah evaluative framework consisting of three dimensions: (1) the value dimension (core maqāṣid), covering protection of religion, life, intellect, lineage, and wealth through indicators of sharia compliance, social impact, risk literacy, benefit sustainability, and fund protection; (2) the process dimension, including information transparency, sharia governance, risk mitigation, and documented fund flow; and (3) the impact dimension, measured by program sustainability, beneficiary welfare improvement, and economic empowerment. This study confirms that a maqāṣid-based approach can bridge the gap between formal compliance and socio-economic objectives in Islamic fintech. The framework is expected to serve as a foundation for developing more comprehensive and measurable evaluation standards for sharia crowdfunding. Abstrak. Penelitian ini bertujuan mengembangkan kerangka evaluatif berbasis maqāṣid al-syarī‘ah untuk platform crowdfunding syariah dalam pembiayaan sosial di Indonesia. Penelitian ini menggunakan pendekatan kualitatif dengan desain studi pustaka yang bersumber dari literatur akademik, regulasi, dan dokumen industri fintech syariah. Analisis data dilakukan melalui analisis tematik. Hasil penelitian menunjukkan kerangka evaluatif maqāṣid al-syarī‘ah yang terdiri dari tiga dimensi: (1) dimensi nilai (maqāṣid inti) mencakup perlindungan agama, jiwa, akal, keturunan, dan harta melalui indikator kepatuhan syariah, dampak sosial, literasi risiko, keberlanjutan manfaat, dan perlindungan dana; (2) dimensi proses meliputi transparansi informasi, tata kelola syariah, mitigasi risiko, dan dokumentasi alur dana; serta (3) dimensi dampak yang diukur melalui keberlanjutan program, kesejahteraan penerima manfaat, dan pemberdayaan ekonomi. Kajian ini menegaskan bahwa pendekatan berbasis maqāṣid dapat menjembatani kesenjangan antara kepatuhan formal dan tujuan sosial-ekonomi dalam fintech syariah. Kerangka ini diharapkan menjadi dasar pengembangan standar evaluasi crowdfunding syariah yang lebih komprehensif.
Efektivitas Program MBG (Makan Bergizi Gratis) dalam Meningkatkan Kesejahteraan Masyarakat Penerima Sasaran dalam Perspektif Maqashid Syariah Syauqi Alaika Rahman; Hayatul Millah; Lailatul Azizah
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 5 No. 2 (2026): Mei-Juli
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v5i2.9671

Abstract

The Free Nutritious Meal Program (MBG) is a government initiative aimed at improving community welfare by fulfilling the nutritional needs of vulnerable groups, including school-age children, toddlers, and pregnant women. Beyond functioning as social assistance, the program seeks to enhance the quality of human resources, reduce economic vulnerability, and promote healthier and more productive communities. This study aims to analyze the effectiveness of the MBG Program in improving the welfare of beneficiaries from the perspective of Maqasid al-Shariah. A qualitative field research approach was employed at the Hafshawaty Nutrition Fulfillment Service Unit (SPPG) in Temenggungan Village, Krejengan District, Probolinggo Regency. Data were collected through observation, interviews, and documentation and analyzed using data reduction, data presentation, and conclusion-drawing techniques. The findings indicate that the MBG Program has been relatively effective in improving the welfare of beneficiaries by supporting nutritional fulfillment, enhancing health conditions, and contributing to social well-being. From the Maqasid al-Shariah perspective, the program aligns with the objectives of preserving life (hifz al-nafs) and promoting public benefit (maslahah). The study recommends strengthening program implementation through improved distribution supervision, better nutritional quality, and more accurate beneficiary targeting. Sustainable collaboration among the government, SPPG, and the community is essential to maximize program effectiveness and ensure long-term welfare improvements.
Co-Authors Abd. Aziz Abdul Komar Abdul Komar Ahmad Fajri Ayik Andriani Cici Widya Prasetyandari Dewi Hilmiyatus Syamsiah Elok Bashiroh Ferry Vijaylani Fio Aditya Hikmatul Maufidah Huda, Mohammad Khoerul Irfan Maulana Ahsan Jalaluddin Kustiana Arisanti Lailatul Azizah M Ilyasin Ilyas Marmiyantika Maula Nasrifah Moh Nurul Amrullah D Mohammad Ali Ma’ruf Muhammad Hifdil Islam Muhammad Yoga kurniawan Nailin Nikmatul Maulidiyah Najah, Safinatun Natasya Risma Putri Nur Hafifa NUR HAYATI Sirajul Arifin Syauqi Alaika Rahman Yeni Kartikawati