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Dinamika Regulasi BMT: Dari Konkordansi Menuju Unifikasi Hukum Berdasarkan UU P2SK No 4 Tahun 2023 Fauzia Ulirrahmi; Nur Sholichin; Kholis Hayatuddin; M. Zumar Aminuddin; Masjupri Masjupri; Rial Fuadi; Mansur Efendi; Nurul Huda
Al-Muamalat Jurnal Hukum dan Ekonomi Syariah Vol 11 No 1 (2026): Al-Muamalat: Jurnal Hukum dan Ekonomi Syari'ah
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/muamalat.v11i1.12702

Abstract

This study aims to analyze the regulatory dynamics of Baytul Māl wat Tamwīl (BMT) within the Indonesian legal system, particularly the shift from regulatory fragmentation to legal unification following the enactment of Law Number 4 of 2023 on Financial Sector Development and Strengthening (UU P2SK), as well as its institutional implications for BMT. This research employs a normative legal method using historical, statutory, and conceptual approaches. The findings indicate that prior to UU P2SK, the legal construction of BMT was shaped by the legacy of the concordance principle, which relied on legal entity classification and resulted in fragmented regulation. As a consequence, BMT developed strong social legitimacy at the grassroots level but lacked a solid juridical foundation. Following the enactment of UU P2SK, BMT has been formally recognized as part of the national financial ecosystem, with a regulatory framework based on functional roles and risk exposure through open-loop and closed-loop schemes. This unification has ended regulatory fragmentation, resolved supervisory dualism, and directed BMT toward more accountable governance standards. However, BMT remains vulnerable to identity erosion due to the dominance of tamwīl (commercial) logic, shifting its orientation from community empowerment toward profit and financial stability. The main challenge in the post-P2SK era lies in BMT’s ability to maintain a balance between its māl and tamwīl functions while preserving its foundational ethos and ideological orientation amid increasing demands for professionalism and regulatory compliance.
PENGELOLAAN FILANTROPI ISLAM DI TENGAH PANDEMI COVID-19 (STUDI PADA KOMUNITAS KURIR SEDEKAH) Mansur Efendi
Filantropi : Jurnal Manajemen Zakat dan Wakaf Vol. 2 No. 1 (2021): Filantropi: Jurnal Manajemen Zakat dan Wakaf
Publisher : Program Studi Manajemen Zakat dan Wakaf

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (562.017 KB) | DOI: 10.22515/finalmazawa.v2i1.2734

Abstract

 Covid-19 pandemic which happened to most of countries have been heavily affected many sectors, especially economy. Social distancing policy in Indonesia implicated on businesses activities degression. Many companies have to do a layoff policy. Another issues also appeared when positive patients must be quarantined. Economic issues that appear during pandemics triggered many philanthropy movement in Indonesia to be founded, one of them is Komunitas Kurir Sedekah (Charity Courier Community). The appearance of Komunitas Kurir Sedekah added diversity of Islamic philanthropy movement in Indonesia. Their crowd fundind and recipients targeting program is practical, efficient and directly involving all members. With this approach, all members of community had strong sense of belonging. Meanwhile, funds distribution directed to overcome to short term and temporary humanity issues. At least, the appearance of Komunitas Kurir Sedekah capable to overcome government's temporary program's problematics. Furthermore, this community can raise community awareness to do charity during pandemics.  Pandemi Covid-19 yang terjadi hampir di semua negara, telah memberikan dampak yang cukup berat pada sendi kehidupan, khususnya sektor ekonomi. Demikian halnya dengan Indonesia, kebijakan pembatasan aktivitas bagi masyarakat (social distancing) berimplikasi pada penurunan kegiatan bisnis. Beberapa perusahaan terpaksa melakukan Pemutusan Hubungan Kerja (PHK). Persoalan lain juga nampak pada masyarakat yang dinyatakan positif dan harus dirawat serta dikarantina. Persoalan ekonomi yang muncul sebagai akibat Pandemi Covid-19, merangsang lahirnya gerakan filantropi di Indonesia, salah satunya adalah Komunitas Kurir Sedekah. Keberadaan Komunitas Kurir Sedekah menambah keragaman gerakan filantropi Islam di Indonesia. Sasaran penerima program dan penghimpunan dana dilakukan secara praktis, cepat dan melibatkan langsung anggota. Dengan pendekatan seperti ini, maka rasa kepemilikan (sense of belonging) anggota terhadap komunitas akan semakin kuat. Sedangkan penyaluran dana diarahkan pada persoalan kemanusiaan yang bersifat jangka pendek. Hadirnya Komunitas Kurir Sedekah setidaknya mampu menjawab problematika program pemerintah yang sifatnya temporer. Lebih jauh, keberadaannya juga mampu meningkatkan kesadaran masyarakat untuk tetap berbagi di tengah pandemi.