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All Journal Jurnal Ilmu Ekonomi dan Bisnis Islam Bulletin of Community Engagement Jurnal Kebijakan Ekonomi dan Keuangan Islamic Economics Journal
Makhrus
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Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Social Sciences Other

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Waqf and Microfinance Integration Strategy In Improving Welfare Through Community Economic Empowerment Siti Darajatun; Makhrus
Jurnal Ilmu Ekonomi dan Bisnis Islam Vol 7 No 1 (2025)
Publisher : Program Studi Ekonomi Syariah, FEBI UIN Datokarama Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24239/jiebi.v7i1.359.75-90

Abstract

Poverty and economic inequality remain persistent challenges in Indonesia, particularly in underdeveloped regions. Although waqf and microfinance have individually contributed to poverty alleviation, limited studies have examined their integrated application for sustainable community empowerment. This study addresses that gap by investigating how the Al-Qur’an Waqf Agency (BWA) and the Micro Waqf Bank (BWM) integrate waqf and microfinance to improve community welfare. The objective is to analyze the strategies, outcomes, and sustainability of their programs in supporting micro and small enterprises. Using a qualitative field research method, data were collected through purposive sampling and in-depth interviews with institutional stakeholders and beneficiaries. Inductive analysis was employed to identify key themes and patterns. The findings indicate that the integration of waqf and microfinance enhances access to capital, improves financial literacy, and strengthens microenterprises, particularly in remote areas. Offline initiatives such as da’wah campaigns are complemented by digital platforms, significantly expanding outreach and public engagement. The study concludes that combining Islamic philanthropy and microfinance offers an effective model for inclusive and sustainable economic development. The implications highlight the need to strengthen digital infrastructure, enhance financial education, and foster multi-stakeholder collaboration. This research contributes to policy formulation and practical strategies for leveraging Islamic social finance to address structural poverty and build resilient local economies.
Peningkatan dana ZISKA melalui digital fundraising oleh organisasi pengelola zakat di Kabupaten Banyumas Yasifah, N. Al Ngizati Ngama; Makhrus
Jurnal Kebijakan Ekonomi dan Keuangan Volume 3 Issue 1, Juni 2024
Publisher : Jurusan Ilmu Ekonomi, Fakultas Bisnis dan Ekonomika, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/JKEK.vol3.iss1.art6

Abstract

Purpose – This study aims to examine digital fundraising in increasing ZISKA fundraising by zakat management organizations in Banyumas Regency. Methods – The method used in this study is descriptive qualitative with field research type. The objects of this study are BAZNAS, LAZISMU and LAZISNU. Findings – The results of this study indicate that digital fundraising used is with digital and non-digital access such as websites, applications, social media while in non-digital zakat pickup, conventional, donation pickup are aspects of increasing ZISKA fundraising. Implication – The zakat management unit conducts socialization and practice to the community so that it has more impact. Originality – This study contributes to providing knowledge for the community in carrying out ZISKA activities.   Abstrak Tujuan – Penelitian ini bertujuan untuk mengkaji digital fundraising dalam meningkatkan pengumpulan dana ZISKA oleh organisasi pengelola zakat di Kabupaten Banyumas. Metode – Metode yang digunakan dalam penelitian ini adalah kualitatif deskriptif dengan jenis penelitian lapangan. Objek penelitian ini adalah BAZNAS, LAZISMU dan LAZISNU. Temuan – Hasil penelitian ini menunjukkan bahwa digital fundraising yang digunakan yakni dengan akses secara digital maupun non digital seperti website, aplikasi, media sosial sedangkan pada non digital jemput zakat, konvensional, jemput donasi menjadi aspek peningkatan pengumpulan dana ZISKA. Implikasi – Unit pengelola zakat melakukan sosialisasi dan praktik kepada masyarakat agar lebih berdampak. Orisinalitas – Penelitian ini berkontribusi untuk memberikan pengetahuan bagi masyarakat dalam melakukan kegiatan ZISKA.  
Islamic Philanthropy and Social Services in Improving Community Welfare in Indonesia Makhrus; Ibnu Hasan; Selamet Eko Budi Santoso
Islamic Economics Journal Vol. 10 No. 02 (2024): Islamic Economics Journal
Publisher : Faculty of Economics and Management

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/iej.v10i02.30

Abstract

Poverty in Indonesia has become a complex and multisectoral issue, necessitating comprehensive handling involving all stakeholders, including civil society and Islamic philanthropy managers. Islamic philanthropic activism in Indonesia continues to expand, as evidenced by a growing public understanding of the importance of channeling donations through institutions. Donations collected by Islamic philanthropic organizations are channeled into charity programs for non-urgent needs and productive programs with lasting effects on community empowerment. This form of research employs a qualitative-descriptive methodology. This study examines an Islamic philanthropic organization using documentation and observation techniques to collect data, and qualitative deductive and inductive methods to analyze the data qualitatively. The findings of this study indicate that Islamic philanthropy and social services in improving welfare carried out by Islamic philanthropy management organizations in Indonesia are manifested in various fields, including social, economic, educational, and health, and are channeled as assistance and empowerment programs to improve public welfare. The organization’s capacity to manage Islamic philanthropy is achieved by integrating its programs, policies, and services with government and private agencies with similar objectives. In measuring the impact of Islamic philanthropy and social services on enhancing community welfare, Islamic philanthropic organizations consider a change in thought patterns, attitudes, and actions in living life based on one’s abilities. Consequently, charitable social services have taken the form of empowerment programs in a society with lasting effects.
Living Law Fatwa of Dsn-Mui Discrepancy Implementation of Regarding Consumer Protection in Islamic Banks at NTB Rahmawati; Makhrus; Abdul Mujib; Ridwan
Bulletin of Community Engagement Vol. 6 No. 1 (2026): Bulletin of Community Engagement
Publisher : CV. Creative Tugu Pena

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51278/bce.v6i1.2300

Abstract

This article examines the implementation gap of the murābaḥah bil-wakālah contract at NTB Syariah Bank from the perspective of the DSN-MUI fatwa as living law, and how that gap produces legal uncertainty and weakens consumer protection. Positioned within a normative–empirical legal research design, this study applies conceptual analysis on legal certainty theory (Hart–Rawls), doctrinal analysis of DSN MUI fatwas, and empirical verification of bank practices through financial reports and supporting field findings. The study finds that Bank NTB Syariah performs the wakālah and murābaḥah contracts simultaneously in one administrative session, so that the bank has no real ownership over the goods (qabd al-ḥaqīqī) before the murābaḥah sale occurs. This makes the contract substantively resemble a fixed-margin loan rather than a sharia sale, creating sharia defect (fasid), shifting risks to consumers, and undermining the maqāṣid values of justice and asset protection. The article contributes theoretically by reaffirming fatwa DSN-MUI as a source of living law requiring institutional internalization, and practically by offering governance-based recommendations (DPS independency, ownership-based compliance audit, and contractual literacy
Co-Authors ABDUL MUJIB Ibnu Hasan Rahmawati Ridwan Selamet Eko Budi Santoso Siti Darajatun Yasifah, N. Al Ngizati Ngama