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Analysis GISWAF on the Interest of Waqf Students: A Case Study on UNIDA Gontor Afif, Mufti; Muzaki, Rofi; Sa’id, Roudhoh Hannaaris; Maulana, Hartomi
Indonesian Journal of Islamic Economics and Finance Vol 4 No 2 (2024)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ijief.v4i2.5737

The literacy of Indonesian society regarding waqf is still relatively low. People often confuse waqf with charity (sodaqoh) and voluntary contributions (infak). Similarly, the literacy among university students about waqf is also lacking. The GISWAF "Gerakan Indonesia sadar wakaf" movement has introduced a seminar activity called "Waqf Literacy Seminar" for students at Universitas Darussalam Gontor. This research employs a qualitative descriptive method, involving interviews with 14 Students considered sufficient to reach the data saturation point, as well as observation and documentation, to explore the understanding and awareness of waqf among students. This research is to gauge the interest of students in waqf by examining their understanding, awareness, and future intentions regarding waqf. The specific this research is to evaluate how effective GISWAF is in increasing UNIDA Gontor students' desire to give waqf. The findings from the study indicate interest, 5 students (36%) are interested in practicing waqf literacy to the community, 4 students (29%) are interested in studying more deeply about waqf, 4 students (29%) are interested in doing waqf, and 1 student (7%) is interested in still wanting to learn about waqf, and 0 students do not want to learn waqf (0%).

Maqasid Sharia Analysis of The Welfare Level of Muslim’s Ceramic Craft in Plered Purwakarta Sunjoto, Arie Rachmat; Khoirunnisa, Farah; Afif, Mufti
Journal of Islamic Economics (JoIE) Vol. 3 No. 1 (2023)
Publisher : Prodi Ekonomi Syariah Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/joie.v3i1.6271

Introduction: The activity of making ceramics is a work that has been passed down from generation to generation from the ancestors of the Plered people until now. Amid its existence, the number of craftsmen in 2019 decreased to 163 from the previous number of 205 craftsmen. This study aims to determine Muslim ceramic craftsmen’s welfare level in the review maqaá¹£hid syari'ah in Plered District, Purwakarta Regency. Research Methods: Research data sources are primary and secondary data. A sample of 114 craftsmen was obtained through the Simple Random Sampling technique. Data collection techniques are observation, documentation, and questionnaires. The analysis technique used is a quantitative descriptive analysis technique with a percentage formula through a Likert scale assessment tool. Results: The results of this study indicate that overall Muslim ceramics craftsmen who are classified as high welfare criteria are 38 people (33.3%), 74 people (64.9%) are at the moderate welfare level, 2 people (1.8%) are classified as low welfare level, and there are no craftsmen with very low or very high welfare criteria. The determinants of the level of welfare of Muslim ceramic craftsmen are through hifdzu din, hifdzu nafs, hifdzu 'aql, hifdzu nasl, and hifdzu maal. In this case, the indicator of asset maintenance (hifdzu maal) the majority of craftsmen belong to the highest welfare criteria compared to other indicators, which is 95 people (83.3%).

Analysis GISWAF on the Interest of Waqf Students: A Case Study on UNIDA Gontor Afif, Mufti; Muzaki, Rofi; Sa’id, Roudhoh Hannaaris; Maulana, Hartomi
Indonesian Journal of Islamic Economics and Finance Vol. 4 No. 2 (2024)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ijief.v4i2.5737

The literacy of Indonesian society regarding waqf is still relatively low. People often confuse waqf with charity (sodaqoh) and voluntary contributions (infak). Similarly, the literacy among university students about waqf is also lacking. The GISWAF "Gerakan Indonesia sadar wakaf" movement has introduced a seminar activity called "Waqf Literacy Seminar" for students at Universitas Darussalam Gontor. This research employs a qualitative descriptive method, involving interviews with 14 Students considered sufficient to reach the data saturation point, as well as observation and documentation, to explore the understanding and awareness of waqf among students. This research is to gauge the interest of students in waqf by examining their understanding, awareness, and future intentions regarding waqf. The specific this research is to evaluate how effective GISWAF is in increasing UNIDA Gontor students' desire to give waqf. The findings from the study indicate interest, 5 students (36%) are interested in practicing waqf literacy to the community, 4 students (29%) are interested in studying more deeply about waqf, 4 students (29%) are interested in doing waqf, and 1 student (7%) is interested in still wanting to learn about waqf, and 0 students do not want to learn waqf (0%).

Cocoa Seedling Cultivation (Theobroma Cacao) Using Bokashi Fertilizer Media as an Environmentally Friendly Solution Huda, Miftahul; Afif, Mufti; Djayusman, Royyan Ramdhani; Rachmat, Arie
Bisma : Bimbingan Swadaya Masyarakat Vol. 7 No. 1 (2025): April 2025
Publisher : STAI Miftahul ULa Nganjuk

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59689/bisma.v7i1.1190

This community service project, conducted in Bugel Hamlet, Karangrejo Village, focuses on improving cocoa farming through the use of bokashi fertilizer as an environmentally friendly alternative to chemical fertilizers. The project aims to enhance soil fertility and cocoa seedling growth while promoting sustainable agricultural practices. Using Participatory Action Research (PAR), local farmers were actively involved in the planning, implementation, and evaluation phases. The research methodology included observation, interviews, and field studies. Results showed that bokashi fertilizer significantly improved soil health, increased cocoa productivity, and fostered a better balance of soil microorganisms compared to chemical fertilizers. The project empowered local farmers by providing them with an eco-friendly solution for enhancing cocoa farming, with the potential to increase productivity, support local economic growth, and contribute to long-term environmental sustainability.

Analisis Penerapan Modal Intelektual Pada Lembaga Keuangan Syariah (Studi Kasus BMT Gontor) Husni, Indra Sholeh; Afif, Mufti; Addin, Musyaffa
DIALEKTIKA: Jurnal Ekonomi dan Ilmu Sosial Vol 10 No 1 (2025): Dialektika: Jurnal Ekonomi dan Ilmu Sosial
Publisher : Prodi Manajemen Fakultas Ekonomi dan Bisnis Universitas Islam Raden Rahmat Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36636/dialektika.v10i1.6082

The development of Islamic financial institutions in Indonesia demands enhanced competitiveness and performance through the optimization of available resources, including intellectual capital. This study aims to analyze the implementation of intellectual capital at Baitul Maal wat Tamwil (BMT) Gontor and evaluate its contribution to the organization’s performance improvement. A qualitative case study method was employed, utilizing in-depth interviews with BMT Gontor’s staff and management. The findings reveal that intellectual capital—which includes human capital, structural capital, and relational capital—has been effectively applied across all organizational levels. This implementation has had a positive impact on operational efficiency, faster decision-making, and service innovation. Moreover, the structured and continuous management of intellectual capital has strengthened BMT Gontor’s position as a reliable and competitive Islamic financial institution. The study concludes that intellectual capital is a strategic asset that significantly contributes to the success and sustainability of the organization.

Dampak Penerapan AFCTA di Indonesia dalam Perspektif Ibnu Khaldun dan Abu Ubaid Anggesti, Nurul; Afif, Mufti
El-Barka Journal of Islamic Economics and Business Vol. 3 No. 2 (2020)
Publisher : El-Barka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/elbarka.v3i2.2052

This study examines the impact of the application of the ACFTA trade cooperation on the economy in Indonesia in terms of the international trade theory of Ibn Khaldun and Abu Ubaid. The methods used is mixed methods (qualitative and quantitative methods) by analyzed the impact of ACFTA on Import and exports beetwen Indonesia and China using time series data during 2005-2018 were sourced from Central Bereau of Statistics and see the relevants thingking of Abu Ubaid dan Ibnu Khaldun to the implementation of ACFTA in Indonesia. The result showed that ACFTA has bad impact on the economy of Indonesia due to the zero cost of tariff on incoming goods. So, a new policy is needed as mentioned by the thingking of Abu Ubaid and Ibnu Khaldun. By eliminating the zero tariff policy and prioritizing economic succes based on the principle of justice and benefit of Indonesia.Penelitian ini mengkaji tentang dampak penerapan kerjasama dagang ACFTA terhadap perekonomian di Indonesia ditinjau dari teori perdagangan internasional Ibnu Khaldun dan Abu Ubaid. Metode yang digunakan adalah mixed methods (metode kualitatif dan metode kuantitatif), yaitu pertama, menganalisis dampak ACFTA terhadap ekspor Impor antara Indonesia dan China dengan menggunakan data time series dari tahun 2005 ”“ 2018 yang didapat dari Badan Pusat Statisitk dan kedua, meninjau relevansi pemikiran Abu Ubaid dan Ibnu Khaldun terhadap penerapan ACFTA di Indonesia. Hasil penelitian menunjukkan bahwa selama ini ACFTA berdampak buruk bagi perekonomian Indonesia karena adanya biaya nol tarif terhadap barang yang masuk. Sehingga dibutuhkan kebijakan baru sebagaimana yang disebutkan oleh pemikiran dua tokoh ekonom muslim (Abu Ubaid dan Ibnu Khaldun) yaitu dengan menghilangkan kebijakan nol tarif yang kemudian mengutamakan keberhasilan ekonomi berdasarkan pada asas keadilan dan kemaslahatan masyarakat Indonesia.

Bridging Waqf and Sukuk: Cross-Country Insights from Indonesia and Malaysia on Islamic Social Finance Innovation Mufti Afif; Syahruddin; Khurun’in Zahro’; Nur Suriana Awaludin
MUSLIM HERITAGE Vol 10 No 1 (2025): Muslim Heritage: Jurnal Dialog Islam dengan Realitas
Publisher : Universitas Islam Negeri Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/muslimheritage.v10i1.10510

Abstract The integration of waqf and sukuk is a strategic innovation in productive waqf management to support socio-economic development. Indonesia and Malaysia, as two countries with the largest Muslim populations and rapidly growing Islamic financial infrastructures, are relevant case studies to explore the implementation of this model. This research aims to examine sukuk-based productive waqf management in Indonesia and Malaysia, highlighting the challenges, potentials, and implementation of the integration model. This research utilizes a descriptive qualitative method with a phenomenological approach. The results show that waqf-based sukuk is a strategic innovation to optimize waqf assets and promote Islamic economic growth. However, its implementation still faces obstacles in the form of structural complexity, the need for regulatory harmonization, and low investor awareness. Waqf-based sukuk faces challenges in the form of structural complexity that requires careful planning and regulatory compliance that requires a harmonized legal framework. Low investor awareness of the instrument is also an obstacle to increasing its widespread adoption. Abstrak Integrasi wakaf dan sukuk merupakan inovasi strategis dalam pengelolaan wakaf produktif untuk mendukung pembangunan sosial-ekonomi. Indonesia dan Malaysia, sebagai dua negara dengan populasi Muslim terbesar dan infrastruktur keuangan syariah yang berkembang pesat, menjadi studi kasus yang relevan untuk mengeksplorasi implementasi model ini. Penelitian ini bertujuan mengkaji pengelolaan wakaf produktif berbasis sukuk di Indonesia dan Malaysia, dengan menyoroti tantangan, potensi, dan implementasi model integrasi tersebut. Penelitian ini menggunakan metode kualitatif deskriptif dengan pendekatan fenomenologi. Hasil penelitian menunjukkan bahwa sukuk berbasis wakaf merupakan inovasi strategis untuk mengoptimalkan aset wakaf dan mendorong pertumbuhan ekonomi Syariah. Namun, implementasinya masih menghadapi hambatan berupa kompleksitas struktural, kebutuhan harmonisasi regulasi, dan rendahnya kesadaran investor. Sukuk berbasis wakaf menghadapi tantangan berupa kompleksitas struktur yang memerlukan perencanaan matang dan kepatuhan terhadap regulasi yang membutuhkan kerangka hukum harmonis. Rendahnya kesadaran investor terhadap instrumen ini juga menjadi hambatan dalam meningkatkan adopsi secara luas. Keywords: Integrasi Wakaf; Sukuk; Wakaf Produktif; Indonesia; Malaysia.

Bridging Waqf and Sukuk: Cross-Country Insights from Indonesia and Malaysia on Islamic Social Finance Innovation Mufti Afif; Syahruddin; Khurun’in Zahro’; Nur Suriana Awaludin
MUSLIM HERITAGE Vol 10 No 1 (2025): Muslim Heritage: Jurnal Dialog Islam dengan Realitas
Publisher : Universitas Islam Negeri Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/muslimheritage.v10i1.10510

Abstract The integration of waqf and sukuk is a strategic innovation in productive waqf management to support socio-economic development. Indonesia and Malaysia, as two countries with the largest Muslim populations and rapidly growing Islamic financial infrastructures, are relevant case studies to explore the implementation of this model. This research aims to examine sukuk-based productive waqf management in Indonesia and Malaysia, highlighting the challenges, potentials, and implementation of the integration model. This research utilizes a descriptive qualitative method with a phenomenological approach. The results show that waqf-based sukuk is a strategic innovation to optimize waqf assets and promote Islamic economic growth. However, its implementation still faces obstacles in the form of structural complexity, the need for regulatory harmonization, and low investor awareness. Waqf-based sukuk faces challenges in the form of structural complexity that requires careful planning and regulatory compliance that requires a harmonized legal framework. Low investor awareness of the instrument is also an obstacle to increasing its widespread adoption. Abstrak Integrasi wakaf dan sukuk merupakan inovasi strategis dalam pengelolaan wakaf produktif untuk mendukung pembangunan sosial-ekonomi. Indonesia dan Malaysia, sebagai dua negara dengan populasi Muslim terbesar dan infrastruktur keuangan syariah yang berkembang pesat, menjadi studi kasus yang relevan untuk mengeksplorasi implementasi model ini. Penelitian ini bertujuan mengkaji pengelolaan wakaf produktif berbasis sukuk di Indonesia dan Malaysia, dengan menyoroti tantangan, potensi, dan implementasi model integrasi tersebut. Penelitian ini menggunakan metode kualitatif deskriptif dengan pendekatan fenomenologi. Hasil penelitian menunjukkan bahwa sukuk berbasis wakaf merupakan inovasi strategis untuk mengoptimalkan aset wakaf dan mendorong pertumbuhan ekonomi Syariah. Namun, implementasinya masih menghadapi hambatan berupa kompleksitas struktural, kebutuhan harmonisasi regulasi, dan rendahnya kesadaran investor. Sukuk berbasis wakaf menghadapi tantangan berupa kompleksitas struktur yang memerlukan perencanaan matang dan kepatuhan terhadap regulasi yang membutuhkan kerangka hukum harmonis. Rendahnya kesadaran investor terhadap instrumen ini juga menjadi hambatan dalam meningkatkan adopsi secara luas. Keywords: Integrasi Wakaf; Sukuk; Wakaf Produktif; Indonesia; Malaysia.

Analysis of Amil Zakat Institution Performance Using the Balanced Scorecard Method (Case study in BAZNAS Sragen) Khadijah, Siti; Afif, Mufti
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 3, No 2 (2018): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v3i2.1536

The zakat funds collection, infaq and shadaqah movement in Sragen Regency was formally implemented by the Zakat Infaq and Shadaqah Agency (BAZIS) which was established on May 27, 1991. By the issuance of Law No. 38 of 1999 concerning Management of Zakat, it was changed to the National Zakat Agency ( BAZNAS). Amil Zakat Agency (BAZ) Sragen has a number of special programs in introducing zakat to the community. Finally they were able to collect zakat funds of around Rp. 250 million per month. The zakat funds which are collected at the Sragen BAZ mostly come from civil servants, the TNI and the National Police. However, this program has not been optimal yet, zakat funds absorbed only around Rp. 2 billion per year from the potential of Rp. 7 billion. Therefore, performance measurement is one of the important factors in companies and institutions to evaluate work results from the past period.This research uses the Balance Scorecard paradigm / perspective, namely measurement using four perspectives; Finance, Customers, Internal Business, Learning and Growth. The method used is descriptive explorative qualitative method. Data was collected by interview, questionnaire and documentation.The results showed that the performance of BAZNAS of Sragen Regency was "Good". The results of the average score of the performance appraisal of BAZNAS in Sragen Regency were 6: 8 = 0.75 which is "Good".

TABUNGAN: IMPLEMENTASI AKAD WADIâ€™AH ATAU QARD? (Kajian Praktik Wadiâ€™ah di Perbankan Indonesia) Mufti Afif
Jurnal Hukum Islam Vol 12 No 2 (2014)
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/jhi.v1i1.556

There are no discussion about banking usury in classic Fikh books, because there were no banks, which nowadays they are needed by society to save their worth. As the research of classic Fiqh, there are differences in ulamas’ instructions, based on their understanding. However, they agree to state that bank interest is a usury or forbidden in Islam. Qardul Hasan is another term of qard, that is interpreted by the most of Indonesian people as social engagement, or bequest. Financial department must be careful in understanding the instructions, related to the implementation in the real life. Banks and financial departments claim that money saving is as akad wadi’ah yad dhamanah, whereas the meaning of dhomanah is responsibility. Fiqh ulamas decide that actually, wadi’ah is responsible. Yad dhamanah is irresponsible.

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