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KRITIK TEORETIS DAN REPOSISI AKAD WADIAH DALAM TABUNGAN DIGITAL SYARIAH: PERSPEKTIF FIQH MUAMALAH DAN MAQASHID SYARIAH DI ERA FINTECH Siti Mutiah; Arbanur Rasyid
JSE: Jurnal Sharia Economica Vol. 5 No. 2 (2026): April
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/60nn9h55

Abstract

The implementation of wadiah contracts in digital sharia savings in Indonesia has undergone an essential shift from classical fiqh substance. Contracts that should be non-profit (tabarru') and aimed at safekeeping (yad amanah) have been modified into commercial instruments for collecting cheap funds (wadiah yad dhamanah). This research is a descriptive qualitative study, with direct interviews conducted at the institution. The results show that this shift is exacerbated by the issue of aggressively promoted bonuses, which blur the line between voluntary donations and promises of rewards that resemble usury. Digitalization accelerates this commercialization, reducing Sharia contracts to mere technical features without their ethical spirit. The ambiguity and unfairness of the benefits received by customers threaten the principles of hifz al-mal and hifz al-din. Without a fundamental repositioning, digital wadiah contracts risk losing their authenticity and turning Islamic banking into a mere replica of conventional banking with an Islamic label.
AKAD IJARAH DALAM BISNIS SYARIAH: ANALISIS KRITIS TERHADAP IMPLEMENTASI KONTEMPORER DALAM PERSPEKTIF MAQASID SYARIAH Fatimah Suhroh; Arbanur Rasyid
EKSYA : Jurnal Ekonomi Syariah Vol 6 No 2 (2025): JURNAL EKSYA: JURNAL EKONOMI SYARIAH
Publisher : Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal

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

Abstract

Abstract This research aims to analyze the ijarah contract in sharia business, focusing on its contemporary implementation from the perspective of maqasid syariah, and evaluate its compliance with sharia principles such as justice, transparency, and economic sustainability. This research uses a normative qualitative method with a library research approach, where data is collected through documentation studies of relevant primary and secondary literature. The results of the study indicate that although the ijarah contract has a strong sharia basis and can be applied in various forms of transactions, contemporary practices such as sharia leasing and ijarah muntahiyah bi al-tamlik (IMBT) still face several problems. These include similarities with interest in conventional leasing, risk transfer to the lessee, and minimal transparency in the contract. The implication of this research is the importance of reformulation in modern ijarah practices, by emphasizing clear separation of contracts, transparency of costs, and fair risk sharing between the landlord and tenant, so that ijarah can function in accordance with maqasid syariah and contribute to sustainable economic development.
Peran Mediasi Perkembangan Usaha dalam Pengaruh Zakat Produktif Terhadap Kesejahteraan Mustahik Pada Badan Amil Zakat Nasional Kabupaten Padang Lawas Ahmad Husein Hasibuan; Arbanur Rasyid; Utari Evy Cahyani
Kartika: Jurnal Studi Keislaman Vol. 6 No. 3 (2026): Kartika: Jurnal Studi Keislaman (August)
Publisher : Lembaga Pendidikan Tinggi Nahdlatul Ulama (LPT NU) PCNU Kabupaten Nganjuk

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59240/kjsk.v6i3.1240

Abstract

Productive zakat is an instrument of Islamic philanthropy directed at empowering mustahik in a sustainable manner rather than merely fulfilling short-term consumptive needs. This study aims to analyze the role of business development as an intervening variable in the effect of productive zakat on mustahik welfare at the National Amil Zakat Agency (BAZNAS) of Padang Lawas Regency. It employs an explanatory quantitative approach using Partial Least Squares Structural Equation Modeling (PLS-SEM) processed with SmartPLS version 4.0. The sample was determined through a saturated sampling technique covering 74 mustahik who received productive zakat during 2021–2024. The results show that productive zakat has a positive and significant effect on mustahik welfare (β = 0.593; p < 0.05) and on business development (β = 0.753; p < 0.05), while business development has a positive and significant effect on mustahik welfare (β = 0.255; p < 0.05). The indirect-effect test confirms that business development partially mediates the effect of productive zakat on mustahik welfare (β = 0.192; p = 0.020) with a Variance Accounted For of 24.5%. These findings affirm that the effectiveness of productive zakat in improving welfare operates not only directly but also through strengthening mustahik business activities. The implication is that the success of productive zakat programs requires continuous business assistance rather than stopping at capital disbursement.
Co-Authors . Zulfan Abdi Jaya Abdul Nasser Hasibuan adanan murrah Afifah Vinandita Ahmad Husein Hasibuan Ahmad Wardana Ali Hardana Andri Soemitra Andri Soemitra Andri Soemitra Andriani, Rika Angraini Lubis, Anita Arti Damisa ayu rumi Daulay, Nurfia Sintia Desi Widia Pernanda SMJ Fatimah Suhroh Fitri Yani Lubis gautama, budi Hanizar Meda Simbolon Harahap, Muhammad Parwis Halim Hotman Pandapotan Hutagalung, Muhammad Wandisyah R Ibrahim Siregar Idris Saleh ira widya ishak ishak Ismail Nura Jafar Nasution Jarudin Jarudin johannes johannes Keskarnain, Keskarnain Lubis, Fitri Yani Lubis, Maulana Lubis, Rizki Mulia M Fauzan Maulana Arafat Lubis Mohd Roslan Mohd Nor Muhamad Basyrul Muvid Muhammad Ridwan Muhammad Ridwan muhammad wandisyah Muhammad Wandisyah Hutagalung Muhammad Wandisyah R Hutagalung Muhammad Wandisyah R Hutagalung Muhammad Wandisyah R. Hutagalung Musda Asmara Muzamil, Sanupal Nashran Azizan Nasirin, Wanda Khairun Nasution, Adinda Maharani Nasution, Hasbi Assiddiqi Nura, Ismail Nurhajijah, Nurhajijah Pane, Mujahidun Hapisni Pasaribu, Nona Soraya Permana, Taufik Hadi Puji Kurniawan Putra Halomoan Hsb rahmat annam Rayendriani Fahmei Lubis Romando Yusrat Rukiah Lubis Rukiah Rukiah Sawaluddin Siregar SIREGAR, BUDI GAUTAMA Siregar, Deni Afnita Siregar, Depanan Habib Siregar, Fatahuddin Aziz Siregar, Sawaluddin Siti Mutiah Sri Yanti Aisyah Lubis suaibah suaibah Sulaiman Efendi Siregar Utari Evy Cahyani Utari Evy Cahyani Utari Evy Cahyani Yanti Aisyah Lubis, Sri Zulaika Matondang