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The Role of Waqf in Supporting Sustainable Development Goals: Linking theory and its practices Karimah, Diva Azka; Pamuncak, Mohammad Bintang; Mubin, Muhammad Khoerul
SUHUF Vol 35, No 2 (2023): November
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/suhuf.v35i2.23018

Poverty has become a main issue faced by many developing countries. It is worsened by the fact that a few rich people have equal wealth to most of the world's population. Hence attempts to reduce the poverty number have been initiated by many players including academicians and international organizations such as the United Nations through the United Nations Development Program (UNDP). On the other hand, Islamic philanthropy such as Waqf has been linked as a medium to not only eradicate poverty but also attempt to develop and empower society. Therefore, this study attempts to link waqf practices and Sustainable development goals (SDGs). This study uses qualitative methods i.e., explanatory studies. This study finds that waqf has similar characteristics with SDGs in at least 7 out of 17 goals of SDGs, including No Poverty goal, zero hunger goal, good health and wealth being goal, quality education goal, affordable and clean energy goal, decent work and economy goal, and industry, innovation, and infrastructure goal. Hence its promotion of the SDGs program is essential and undeniable. Future studies are encouraged to look further at the potential applications and practices of Waqf to the SDGs, particularly from the perspective of public policy and law.

Wakaf Tunai melalui Sukuk Negara: Sebuah Upaya menuju Tujuan Pembangunan Berkelanjutan (SDGs) Karimah, Diva Azka; Laili, Sasmita Nurvinda
Islamic Economics and Business Review Vol 3 No 3 (2024): IESBIR, December 2024
Publisher : Universitas Pembangunan Nasional Veteran Jakarta

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

Abstract The underutilization of waqf assets has driven the Indonesian government to explore innovative solutions for their empowerment, one of which is the Cash Waqf Linked Sukuk (CWLS) program. CWLS integrates commercial and social aspects, aiming to create a significant impact on society, particularly in supporting sustainable development programs. This study seeks to analyze the role of CWLS in achieving sustainable development and to elaborate on its contribution to various specific Sustainable Development Goals (SDGs) indicators. This research adopts a qualitative approach with descriptive analysis. The article offers a fresh perspective on the relationship between CWLS and SDGs, complementing prior studies that predominantly focus on waqf’s role in social development or climate change. The findings of this study are expected to highlight the importance of CWLS in advancing sustainable development initiatives in Indonesia. Keywords: Cash Waqf linked Sukuk, SDGs, Waqf. Abstrak Banyaknya aset wakaf yang kurang produktif mendorong Pemerintah Indonesia untuk mencari solusi guna memberdayakan aset-aset tersebut, salah satunya melalui program Wakaf Tunai berbasis Sukuk (Cash Waqf Linked Sukuk/CWLS). Program CWLS yang mengintegrasikan aspek komersial dan sosial diharapkan mampu memberikan dampak signifikan pada masyarakat, khususnya dalam mendukung program pembangunan berkelanjutan. Penelitian ini bertujuan untuk menghubungkan peran CWLS dalam pencapaian pembangunan berkelanjutan serta menguraikan kontribusinya terhadap beberapa indikator Sustainable Development Goals (SDGs). Penelitian ini menggunakan pendekatan kualitatif dengan metode analisis deskriptif. Artikel ini memberikan sudut pandang baru mengenai keterkaitan antara CWLS dan SDGs, melengkapi penelitian sebelumnya yang lebih banyak berfokus pada hubungan antara wakaf dengan pembangunan sosial atau perubahan iklim. Hasil penelitian ini diharapkan dapat memberikan pemahaman yang lebih mendalam mengenai pentingnya CWLS dalam mendukung agenda pembangunan berkelanjutan di Indonesia. Kata kunci: Wakaf Tunai melalui Sukuk, Pembangunan Berkelanjutan, Wakaf.

Kajian Penggunaan Aplikasi Paylater Dalam Pandangan Maqashid Syariah Laili, Sasmita Nurvinda; Karimah, Diva Azka
Islamic Economics and Business Review Vol 3 No 3 (2024): IESBIR, December 2024
Publisher : Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59580/iesbir.v3i3.10540

Abstract The payment system through the paylater application on various e-commerce platforms has recently grown rapidly in Indonesia. The Buy Now, Pay Later service feature allows consumers to buy goods on credit and pay for them later. The use of this application also needs to be studied from the perspective of maqashid sharia, whether it is in accordance with its principles which focus on protecting five main aspects,This study uses a literature review method, namely collecting relevant information or references for a particular topic. The results of this study explain that the use of paylater in maqashid sharia must be adjusted to the level of need: maslahat daruriyat for urgent needs, maslahat hajiyat to support comfort and maslahat tahsiniyat which should be avoided if only for a consumptive lifestyle. Purchases of goods and transactions using paylater must be in line with the principles of maqashid sharia so that they remain in accordance with Islamic values and do not cause adverse financial impacts. Transactions via paylater are permitted (mubah) as long as they do not violate the law and sharia. However, in its implementation there is an additional handling fee of 1%, an additional bai' at-taqsith fee of 2.95% and a late fine of 5%. Meanwhile, the scholars categorize late fines as usury nasi'ah. Therefore, the use of paylater is considered to comply with the principles of maqashid sharia provided that its use takes into consideration financial policies and capabilities and does not violate the sharia and applicable regulations. Keywords: Paylater, maqashid sharia, levels of need, riba nasi'ah Abstrak Sistem pembayaran melalui layanan paylater di berbagai platform e-commerce belakangan ini semakin berkembang pesat di Indonesia. Fitur layanan Buy Now, Pay Later memungkinkan para konsumen membeli barang secara kredit dan membayarnya di kemudian hari. Penggunaan layanan ini juga perlu dikaji dari sisi maqashid syariah, Penelitian ini menggunakan metode literature review, yaitu mengumpulkan informasi atau referensi yang relevan untuk topik tertentu. Hasil penelitian ini menjelaskan bahwa penggunaan paylater dalam maqashid syariah harus disesuaikan dengan tingkat kebutuhan: maslahat daruriyat untuk kebutuhan mendesak, maslahat hajiyat untuk menunjang kenyamanan dan maslahat tahsiniyat yang sebaiknya dihindari jika hanya untuk gaya hidup konsumtif. Pembelian barang dan transaksi menggunakan paylater harus selaras dengan prinsip maqashid syariah agar tetap sesuai dengan nilali-nilai Islam dan tidak menimbulkan dampak finansial yang merugikan. Transaksi melalui paylater diperbolehkan (mubah) asalkan tidak melanggar hukum dan syariat. Namun, dalam penerapannya dikenakan tambahan biaya penanganan 1%, tambahan biaya bai’ at-taqsith 2,95% dan denda keterlambatan 5%. Sedangkan denda keterlambatan, para ulama mengkategorikannya sebagai riba nasi’ah. Oleh karena itu, penggunaan paylater dianggap memenuhi prinsip maqashid syariah dengan syarat penggunaannya mempertimbangkan kebijaksanaan dan kemampuan finansial serta tidak melanggar syariat dan peraturan yang berlaku. Kata kunci: maqashid syariah, tingkatan kebutuhan, Paylater,riba nasi’ah

Optimalisasi Pendampingan Sertifikasi Halal bagi UMKM Pamulang: Strategi Meningkatkan Daya Saing Global Karimah, Diva Azka; Handayani, Tati; Yetti, Fitri; Resti, Anggi Angga; Dwiyanto, Muhaswad; Hamid, Hammas Hubaibi Akbar El; Fariz, Ahmad
Abdimas Galuh Vol 7, No 1 (2025): Maret 2025
Publisher : Universitas Galuh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25157/ag.v7i1.17992

Kegiatan pengabdian kepada masyarakat ini bertujuan untuk memberikan edukasi dan pendampingan kepada UMKM di Pamulang terkait sertifikasi halal sebagai upaya meningkatkan daya saing di pasar global. Sosialisasi dan pendampingan dilakukan kepada 15 UMKM yang didominasi oleh sektor kuliner, mencakup aspek penting seperti urgensi, proses, dan regulasi sertifikasi halal. Kegiatan ini melibatkan Lembaga Pemeriksa Halal (LPH) dan menggunakan pendekatan pre-test serta post-test untuk mengukur tingkat pemahaman peserta. Hasilnya menunjukkan peningkatan signifikan dalam pemahaman terkait manfaat dan proses sertifikasi halal, dengan dampak positif terhadap kesadaran dan kesiapan UMKM dalam mengurus sertifikasi. Program ini tidak hanya membantu memenuhi aspek legal, tetapi juga meningkatkan kepercayaan konsumen, membuka peluang pasar lebih luas, dan memperkuat daya saing produk di pasar global. Keberhasilan program ini menjadi langkah awal untuk pengembangan kegiatan serupa dan pembentukan komunitas berbasis halal di masa mendatang.

The Analysis of Crowdfunding Implementation as an Alternative Financing for Islamic Microfinance Institution Karimah, Diva Azka; Tamanni, Luqyan; Indra, Indra; Pamuncak, Mohammad Bintang
AL-MUZARA'AH Vol. 13 No. 1 (2025): AL-MUZARA'AH (June 2025)
Publisher : Department of Islamic Economics, IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/jam.13.1.95-107

Islamic Microfinance Institutions (IMFIs) play a crucial role in delivering financial services to Micro, Small, and Medium Enterprises (MSMEs), thereby advancing financial inclusion and fostering economic empowerment. Despite their significance, IMFIs frequently encounter major constraints, particularly limited access to capital. In contrast, technological advancements have introduced innovative and efficient financing alternatives, most notably in the form of financial technology (fintech). This study investigates the potential for collaboration between IMFIs and fintech, with a particular emphasis on crowdfunding as a financing mechanism. It seeks to identify the benefits and opportunities, alongside the costs and risks, associated with the implementation of fintech-based crowdfunding as an alternative financing source for IMFIs. Adopting a critical review research paradigm and a mixed-method epistemological approach, the study employs two key methodologies: (1) the development of a typology outlining the benefits, opportunities, costs, and risks of collaboration; and (2) the application of the Analytic Network Process (ANP), using the typology as the foundation for model construction. Findings indicate that experts generally perceive the benefits and opportunities of such collaboration to outweigh the associated costs and risks. Notable advantages include enhanced access to capital and the cultivation of a more robust investment culture within IMFIs. On the other hand, key concerns include infrastructural limitations and the potential for capital loss. To mitigate these risks and maximize collaborative benefits, the study highlights the importance of strengthening institutional management across both IMFIs and fintech platforms.

Exploring the Drivers of Halal Certification Adoption in Depok City’s MSMEs for Sustainable Economic Empowerment Suko Wiryanto, Fadhli; Anwar Fathoni , Muhammad; Azka Karimah , Diva
El-Barka Journal of Islamic Economics and Business Vol. 8 No. 2 (2025)
Publisher : El-Barka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/elbarka.v8i2.11872

Indonesia has achieved positive results in the world halal food sector in the SGIER, that Indonesia can compete in the global halal food, which will also have an impact on improving the sustainable economy in the halal food sector. Indonesia, through the Halal Product Guarantee Agency, implemented a mandatory halal certification program. This was implemented especially Micro, Small, and Medium Enterprises, can compete in providing halal-certified products. However, behind this achievement, it was found that the reality of halal certificate issuance in Depok have not made significant contribution to national achievements, namely only 6.05%. MSMEs as one of the pillars of the economy play a vital and significant role in contributing to state revenue. On the other hand, the Government requires halal certification for food and beverage products produced by micro, small, and medium enterprises until the deadline of October 2026. However, the proportion of MSMEs that have obtained halal certification is still relatively low when compared to the total number of MSMEs operating in Depok. This research uses a quantitative method by distributing questionnaires to respondents. Data will be processed using PLS, outer models, and inner models. The results of this study indicate that religiosity, halal literacy, and perceived benefits influence the interest in applying for halal certification. Religiosity influences interest in applying for halal certification due to the belief that selling halal products will encourage business owners to operate their businesses in accordance with religious principles. Halal literacy also influences interest in applying for halal certification among MSMEs in Depok City because a strong understanding encourages business owners to meet the needs of Muslim consumers more responsibly. Perceived benefits also play a role because halal certification serves not only as proof of halalness but also as a strategy to increase consumer loyalty.

The Role of Waqf in Supporting Sustainable Development Goals: Linking theory and its practices Karimah, Diva Azka; Pamuncak, Mohammad Bintang; Mubin, Muhammad Khoerul
SUHUF Vol 35, No 2 (2023): November
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/suhuf.v35i2.23018

Poverty has become a main issue faced by many developing countries. It is worsened by the fact that a few rich people have equal wealth to most of the world's population. Hence attempts to reduce the poverty number have been initiated by many players including academicians and international organizations such as the United Nations through the United Nations Development Program (UNDP). On the other hand, Islamic philanthropy such as Waqf has been linked as a medium to not only eradicate poverty but also attempt to develop and empower society. Therefore, this study attempts to link waqf practices and Sustainable development goals (SDGs). This study uses qualitative methods i.e., explanatory studies. This study finds that waqf has similar characteristics with SDGs in at least 7 out of 17 goals of SDGs, including No Poverty goal, zero hunger goal, good health and wealth being goal, quality education goal, affordable and clean energy goal, decent work and economy goal, and industry, innovation, and infrastructure goal. Hence its promotion of the SDGs program is essential and undeniable. Future studies are encouraged to look further at the potential applications and practices of Waqf to the SDGs, particularly from the perspective of public policy and law.

Enhancing the Capacity of Muslim Women MSMEs through Digital Marketing Training and Halal Product Certification Sufyati HS, Sufyati HS; Handayani, Tati; Septyan, Krisno; Karimah, Diva Azka; Shafwan, Muhammad Alif
Amalee: Indonesian Journal of Community Research and Engagement Vol. 6 No. 1 (2025): Amalee: Indonesian Journal of Community Research and Engagement
Publisher : LP2M INSURI Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/amalee.v6i1.7731

The entrepreneurial capacity of Muslim women at the Berlian Cooperative in South Tangerang remains limited, particularly in terms of digital marketing skills and understanding of halal product standards. Most of their businesses operate on a micro-scale with limited market reach and do not fully comply with comprehensive halal standards, hampering their competitiveness and sustainability. The purpose of this community service was to improve their knowledge of halal standards and digital marketing skills as a promotional and information dissemination tool. The service adopted a Participatory Rural Appraisal (PRA) approach, which included outreach, education, training, and direct mentoring for selected cooperative members through purposive sampling. The results of the service demonstrated a significant increase in participants' understanding of halal certification, application procedures, and the implementation of halal standards in production. Participants were able to identify halal and thayyib ingredients and align their production practices with Islamic principles. In the area of digital marketing, participants successfully created business social media accounts, utilized digital platforms for promotion, and developed engaging content to effectively engage consumers. Future community service programs should expand the implementation period, provide comprehensive halal certification guidance, and integrate digital business tools to ensure greater sustainability and broader impact.

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