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Tinjauan Fatwa DSN MUI Nomor 19 Tahun 2001 Terhadap Implementasi Pembiayaan Qard di Bank Wakaf Mikro Al Fitrah MAVA Mandiri Surabaya Lian Fuad; Rohmah Rohmah
Management of Zakat and Waqf Journal (MAZAWA) Vol. 1 No. 1 (2019): Management Of Zakat and Waqf Journal (MAZAWA)
Publisher : Universitas Islam Negeri Sunan Ampel Sunan Ampel

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/mzw.2019.1.1.55-65

Abstract

Penelitian ini bermaksud untuk menganalisis implementasi pembiayaan qard yang diterapkan di bank wakaf mikro al-Fitrah Wava Mandiri Surabaya dikaitkan dengan fatwa MUI nomor 19 tahun 2001. Letak signifikansi penelitian ini berada pada kajian relevansi praktik qard pada lembaga wakaf tersebut dan praktik yang diterapkan untuk memanfaatkan atau mengembangkan wakaf produktif menjadi aset wakaf yang bermanfaat untuk masyarakat. Kajian ini penting dilakukan mengingat banyaknya lembaga wakaf yang kesulitan menjalankan akad qard dalam rangka mengembangkan aset yang ada. Untuk mendapatkan hasil penelitian yang sistematis, penelitian ini didekati secara kualitatif deskriptif. Pengumpulan data dilakukan melalui wawancara dengan informan yaitu manager, asisten manager, administrasi dan nasabah Bank Wakaf Mikro Al Fitrah Wava Mandiri Surabaya. Maka ditemukan beberapa hal penting, yaitu implementasi pembiayaan qard dalam mengembangkan usaha mikro di Bank Wakaf Mikro Al Fitrah Wava Mandiri sesuai dengan Fatwa Dewan Syariah Nasional No: 19/DSN-MUI/IV/2001. Proses pembiayaan qard melalui 3 tahapan diantaranya Pra PWK (Pelatihan Wajib Kelompok), PWK dan UPK (Ujian Pengesahan Kelompok). Pelatihan wajib diikuti oleh calon nasabah sebelum melakukan proses pembiayaan di Bank Wakaf Mikro Al Fitrah Wava Mandiri Surabaya. Hal tersebut bertujuan agar calon nasabah mengetahui akan program-program Bank Wakaf Mikro. Proses pembiayaan qard menggunakan pola 2–2-1 dan tanggung renteng. Pola 2–2–1 berfungsi untuk mengutamakan nasabah yang membutuhkan dana. Tanggung renteng digunakan apabila nasabah tidak mengikuti pertemuan mingguan maka semua angsuran ditanggung oleh kelompok. Pembiayaan yang diberikan Bank Wakaf Mikro Al Fitrah Wava Mandiri Surabaya tanpa agunan, sehingga pinjaman dana yang diberikan sangat kecil. Implementasi pembiayaan qard terlaksana dengan baik sehingga berdampak baik terhadap pengembangan usaha mikro.
Pengaruh Pemahaman Zakat dan Lingkungan sosial terhadap Kesadaran Membayar Zakat Pada Make Up Artist di Kecamatan Tulangan, Sidoarjo Lian Fuad; Nanda Trisnawang Anggelista
Management of Zakat and Waqf Journal (MAZAWA) Vol. 4 No. 1 (2022): Management of Zakat and Waqf Journal (MAZAWA)
Publisher : Universitas Islam Negeri Sunan Ampel Sunan Ampel

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/mzw.2022.4.1.88-109

Abstract

The purpose of this study was to prove the influence of understanding of zakat and the level of religiosity on awareness of paying zakat on make up artists in the district of Tulangan Sidoarjo. In this study, the population was 34. The population in this study were Make up Artist Services (MUA) in the District of Tulangan Sidoarjo. The sampling technique in this study was using the slovin technique. Based on the total population, the total sample is 25 respondents, but only 19 respondents data can be processed. The results of this study can be concluded as follows: Understanding of Zakat and Social Environment has a significant positive effect on Awareness of Paying Zakat on Make up Artists in the Sidoarjo Region.
Analisis Efisiensi dengan Metode Data Envelopment Analysis (DEA) pada Lembaga Amil Zakat Muhammadiyah Lian Fuad
Jurnal Maneksi (Management Ekonomi Dan Akuntansi) Vol. 12 No. 2 (2023): Juni
Publisher : Politeknik Negeri Ambon

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (269.193 KB) | DOI: 10.31959/jm.v12i2.1537

Abstract

One form of effort to improve the quality of institutional management is to measure the achievement of targets that have been planned. Achievement will be efficient if the input as institutional capital in running the institution makes a small contribution but gets the maximum output. The purpose of this research was to determine the efficiency level of the Amil Zakat Muhammadiyah Institute for the 2017-2020 period using the Data Envelopment Analysis (DEA) method with the Assumption of Constant Return of Scale (CRS) with input orientation. Research variabels use input and output. The input variabel component is operational costs. Personnel costs, outreach costs, and total assets. While the output variabel components are receipt of ZIS funds and distribution of ZIS funds. The results showed that in all periods from 2017-2020, efficiency performance was 100% or 1. But in 2019, Lazismu's efficiency performance earned a value of 0.977.
Strategi Fundraising dalam Meningkatkan Dana ZIS di LAZ PERSADA Jawa Timur Latifatussufiah Latifatussufiah; Mohammad Fathan Syarief; Muhammad Saiful Afriyanto; Lian Fuad
Mutiara : Jurnal Penelitian dan Karya Ilmiah Vol. 2 No. 5 (2024): Oktober : Mutiara : Jurnal Penelitian dan Karya Ilmiah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/mutiara.v2i5.1575

Abstract

This research aims at Fundraising Strategy in Increasing ZIS Funds in LAZ PERSADA East Java. One of the most important things in a zakat institution is fund raising activities. Fundraising is an activity to collect funds and other resources from the community, whether individually, in groups or organizations, where the funds will be distributed and utilized for the benefit of the mustahik. So in this case, zakat institutions must have an efficient and effective fundraising strategy so that these funds can be managed optimally. LAZ PERSADA is one of the amil zakat institutions that has succeeded in raising tens of billions of funds over the last two years, this cannot be separated from the fundraising strategy they have. This research uses descriptive qualitative research methods and data sources come from interviews and documentation. The results of this research show that the fundraising strategy implemented by LAZ Persada is broadly grouped into three, namely retail or direct collection, partnerships such as corporate social responsibility, and digital channels or indirect collection such as websites and social media.
Integrasi Teknologi Financial (Fintech) Dalam Fundraising Zakat Di Indonesia Lian Fuad; Zainul Alim; Abdul Hakim
Al-Wajih: The Journal of Islamic Studies Vol. 2 No. 1 (2025): Islamic Studies
Publisher : Sekolah Tinggi Ilmu Tarbiyah Buntet Pesantren

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54213/alwajih.v2i1.626

Abstract

Abstrak Perkembangan teknologi finansial (fintech) di Indonesia telah membuka peluang baru dalam optimalisasi pengelolaan dana zakat, khususnya pada aspek penghimpunan atau fundraising. Penelitian ini bertujuan untuk mengeksplorasi secara mendalam bagaimana integrasi fintech dapat memperkuat sistem zakat nasional, baik dari sisi aksesibilitas pembayaran, efisiensi manajemen, hingga transparansi penyaluran dana. Metode penelitian yang digunakan adalah pendekatan kualitatif deskriptif, dengan teknik pengumpulan data melalui studi pustaka dan studi kasus pada lembaga-lembaga amil zakat nasional seperti Dompet Dhuafa dan Rumah Zakat. Hasil penelitian menunjukkan bahwa implementasi fintech melalui aplikasi mobile, dompet digital, QRIS, serta teknologi blockchain dan sistem pelaporan real-time telah secara signifikan meningkatkan partisipasi muzakki, khususnya dari kalangan generasi muda dan masyarakat urban. Media sosial juga menjadi elemen pendukung yang efektif dalam membangun engagement dan kepercayaan publik terhadap lembaga zakat. Meski demikian, terdapat tantangan besar dalam aspek literasi digital masyarakat, ketimpangan infrastruktur teknologi di berbagai daerah, serta belum adanya regulasi yang secara utuh mengatur pengelolaan zakat berbasis digital dalam perspektif syariah. Kata kunci: fintech, zakat digital, fundraising zakat, transparansi, literasi digital
Digital Fundraising Innovation in an Islamic Philanthropic Institution: The Case of LAZ Yatim Mandiri Lian Fuad
Indonesian Economic Review Vol. 6 No. 1 (2026): February : Indonesian Economic Review
Publisher : Cahaya Abadi Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53787/iconev.v6i1.92

Abstract

The Islamic philanthropy sector in Indonesia is undergoing a significant transformation driven by rapid advancements in information technology. This study explores the innovation of digital fundraising at LAZ Yatim Mandiri within the context of digital transformation. Using a qualitative approach with a case study design, this research examines how the institution integrates technological innovation with conventional services to optimize the collection of Zakat, Infaq, Alms, and Waqf (ZISWAF). The results indicate that LAZ Yatim Mandiri implements a comprehensive hybrid strategy that combines a self-developed digital ecosystem, such as the Prima application and QRIS integration, with a physical presence of 46 service offices across 14 provinces. A key finding is the strategic application of the AISAS (Attention, Interest, Search, Action, Share) communication model, which effectively manages the donor journey from initial awareness to active participation. Digital platforms, including Instagram, TikTok, and the official website, are utilized not only for promotion but also as vital tools for transparency and community engagement through real-time reporting. This multidimensional approach demonstrates that digital fundraising is not merely a technical adjustment but a fundamental shift in organizational culture and governance. The study concludes that the success of digital innovation in zakat institutions depends on the ability to balance technological sophistication with local social relations and public accountability, thereby ensuring sustainable growth in a competitive philanthropic landscape.
Assessing Multidimensional Productive Zakah Utilization Using a Modified Zakah Utilization Index: Evidence from the BAZNAS Microfinance Desa Program in Mojokerto, Indonesia M. Maulana Asegaf; Lian Fuad; Siti Marpuah
Al Ahkam Vol. 22 No. 1 (2026): Januari-Juni 2026
Publisher : Fakultas Syariah UIN Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37035/ajh.v22i1.13155

Abstract

Productive zakah serves as a critical instrument of Islamic social finance for advancing sustainable, multidimensional empowerment of mustahik. Given that empowerment encompasses social, cultural, and environmental dimensions beyond economic improvement, comprehensive, multidimensional evaluation frameworks are essential for assessing the effectiveness and sustainability of productive zakah programs. However, empirical studies utilizing integrated multidimensional empowerment indicators remain scarce. This study evaluated the effectiveness of the utilization of productive zakah in the BAZNAS Microfinance Desa (BMD) Program in Mojokerto City, using the Modified Zakah Utilization Index (Modified IPZ), a multidimensional framework for measuring empowerment across social, cultural, economic, and environmental dimensions. Employing a descriptive quantitative methodology, primary data were collected via questionnaires from 31 mustahik and semi-structured interviews with staff of BAZNAS Mojokerto City. Data were analyzed using the Modified IPZ framework and descriptive statistical analysis. Results yielded an overall Modified IPZ score of 0.50, indicating empowerment at the strengthening stage without yet achieving sustainable economic self-reliance. The social dimension recorded the highest performance (0.70), while cultural (0.39), economic (0.45), and environmental (0.48) dimensions remained below target levels. These findings indicate that entrepreneurial capacity, economic resilience, and environmental literacy require substantive strengthening to achieve holistic and sustainable empowerment. The study demonstrates that the provision of productive capital alone is insufficient and must be complemented by integrated support mechanisms, including continuous business mentoring, systematic entrepreneurship development, sustainable market linkages, targeted financial literacy programs, and environmental sustainability awareness.
Dimensi Tata Kelola Berdasarkan Konsep Zakat Core Principles di Lembaga Amil Zakat Al-Azhar Perwakilan Jawa Timur Popy Tria Febriati; Lian Fuad; Atok Syihabuddin
AL-MIKRAJ Jurnal Studi Islam dan Humaniora (E-ISSN 2745-4584) Vol. 4 No. 1 (2023): AL-Mikraj Jurnal Studi Islam dan Humaniora
Publisher : Pascasarjana Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/almikraj.v4i1.4618

Abstract

Penelitian ini bertujuan untuk mengetahui penerapan Zakat Core Principles dalam Dimensi Tata Kelola di Lembaga Amil Zakat Al-Azhar Jawa Timur. Dengan dimensi Tata Kelola Zakat berdasarkan konsep Zakat Core Principles di Lembaga Amil Zakat Al-Azhar Perwakilan Jawa Timur diharapkan mampu meningkatkan profesionalisme amil, performa, kolektivitas, serta kepercayaan muzakki terhadap Lembaga Amil Zakat Al-Azhar Perwakilan Jawa Timur akan lebih baik lagi. Penelitian ini menggunakan jenis penelitian kualitatif dengan Evaluation Approache. Teknik Pengumpulan data dilakukan dengan wawancara, observasi langsung, dokumentasi dengan para informan. Teknik pengolahan data menggunakan teknik triangulasi untuk menegaskan data yang diperoleh sudah sangat relevan. Hasil penelitian menunjukkan bahwa Dimensi Tata Kelola Zakat Pada indikator penerapan hak amil, perekrutan amil, dan pengawasan aktif, LAZ Al Azhar mendapat kategori “Sangat Baik”. Pada indikator pembinaan SDM amil mendapatkan kategori “Baik” dan pada indikator sertifikasi amil, pengelolaan konflik kepentingan dan sertifikat ISO mendapatkan kategori “Tidak Baik”.