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Analisis Pengaruh Dana Wakaf Produktif Terhadap Perkembangan Usaha Masyarakat Kota Medan Pada Masa Pandemi Covid-19 (Studi Kasus Pada Bwi Sumut) ABD. Hadi Saputra Pulungan; Sri Sudiarti; Nurul Inayah
OPTIMAL Jurnal Ekonomi dan Manajemen Vol. 3 No. 2 (2023): Juni : Jurnal Ekonomi dan Manajemen
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/optimal.v3i2.1411

Abstract

This study aims to find out how the Effect of Asset Waqf and Cash Waqf on the Development of Community Businesses in Medan City. The type of research used by researchers is quantitative research with an associative approach. The data used is primary data using a data collection tool in the form of a questionnaire or questionnaire with a total sample of 138 people. The data analysis used was multiple linear regression analysis using the SPSS 16.0 application. The results in this study state that asset waqf has a significant influence on business development with a significance value of 0.003. And cash waqf has a significant influence on business development with a significant value of 0.000. The simultaneous F test shows that the variables of asset waqf and cash waqf have a joint effect on business development with a significant value of. The magnitude of the influence of asset waqf and cash waqf on business development in the R Squere test is 59.5%, while the remaining 40.5% is influenced by other variables outside the research.
Analisis Wakaf Produktif Pada Yayasan Syekh Mashu di Pondok Pesantren Darul Aman (Ysmpp Darul Aman) Kabupaten Deli Serdang Saidah Khairiyah Hasibuan; Sri Sudiarti; Nursantri Yanti
Populer: Jurnal Penelitian Mahasiswa Vol. 2 No. 1 (2023): Maret : Jurnal Penelitian Mahasiswa
Publisher : Universitas Maritim AMNI Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58192/populer.v2i1.523

Abstract

Penelitian ini Bertujuan untuk mengetahui bagaimana pengelolaan, strategi pengembangan wakaf produktif dan peran wakaf terhadap pengembangan kemandirian ekonomi di pesantren. Jenis penelitian ini menggunakan metode kualitatif deskriptif. Pengumpulan data dilakukan dengan cara observasi, dan wawancara semi terstruktur kepada Pimpinan Yayasan Syekh Mashudi Pondok Pesantren Darul Aman, bendahara yayasan dan bendahara pesantren. Yayasan Syekh Mashudi Pondok Pesantren Darul Aman yang memiliki nomor SK Izin Operasional B.844/Kd.02.01/3/PP.07/01/2020 yang berlaku sejak tanggal 11 Februari 2020 dengan total luas tanah 258.820 m2. Penelitian ini menyimpuilkan bahwa, 1) Pengelolaan wakaf produkif pada Yayasan Syekh Mashudi Pondok Pesantren Darul Aman ini dikelola oleh perseorangan yakni Ustadz Gita Prima Dihati, M.Pd selaku Pimpinan Yayasan, belum kepada tahap nadzir perseorangan atau organisasi yang resmi. Aadapun wakaf tanah ini diperoleh dari beberapa wakif dengan total luas 250.020 m2, kemudian diatas lahan tersebut 40.000 m2 digunakan sebagai lahan perkebunan karet yang memperoleh keuntungan Rp. 6.500.000,00 per bulan, selebihnya dikelola sebagai tempat perternakan atau tempat penggemukan lembu dengan keuntungan Rp. 50.000.000 – Rp. 250.000.000 per tahunnya (tergantung dengan pesanan), dan menanam sayuran untuk pangan pesantren. 2) YSMPP Darul Aman belum menerapkan strategi pengembangan wakaf produktif sebagaimana akad-akad dalam fiqh muamalah. 3) Peran wakaf terhadap pengembangan kemandirian ekonomi pesantren masih dalam skala kecil, karena belum memenuhi standarisasi yang dikemukakan oleh Bank Indonesia. Akan tetapi wakaf tersebut sudah menjadi salah satu sumber pendaan yang menyokong operasional, gaji, memberikan gratis uang sekolah atau SPP, serta gratis uang makan untuk para santri.
Penerapan Akad Musyarakah Pada Perbankan Syariah Di Indonesia ARSYAF TAMPUBOLON; Sri Sudiarti; Marliyah
Jurnal Riset Ekonomi dan Keuangan Syariah Vol. 2 No. 2 (2025): Jurnal Riset Ekonomi dan Keuangan Syariah: Mei 2025
Publisher : Yayasan Literasi Emas Nusantara

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

Abstract

This study aims to analyze the implementation of the musyarakah contract in Islamic banking in Indonesia, focusing on its challenges, execution mechanisms, and development opportunities. The research method employed is library research and closed observation, utilizing literature, articles, and practices from several national Islamic banks. The results indicate that although musyarakah has significant potential in supporting fair and inclusive financing, its proportion remains substantially lower compared to other contracts such as murabahah. Key obstacles include administrative complexity, high business risks, low public understanding of the profit-sharing principle, and weak monitoring systems for funded businesses. The findings further reveal that musyarakah contracts are highly effective in fostering the growth of productive sectors, particularly in financing MSMEs and property projects, thereby enhancing Islamic financial inclusion. However, successful implementation requires intensive educational strategies, strengthened internal supervision, and product innovation, such as the development of musyarakah mutanaqisah and hybrid schemes. With innovative adaptations to market needs and strong regulatory support, musyarakah is expected to become a key instrument in strengthening a sustainable and inclusive Islamic economic ecosystem at the national level.