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Strategi Penyaluran Dana Zakat Produktif Melalui Program Pemberdayaan Ekonomi Sholikhah, Siti Khiyarotus; Efendi, Mansur
Jurnal Al-Hakim: Jurnal Ilmiah Mahasiswa, Studi Syariah, Hukum dan Filantropi Vol. 4, No. 2 November 2022
Publisher : Fakultas Syariah, Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jurnalalhakim.v4i2.6115

Poverty is a serious problem, not only in big cities but also in all corners of the country. LAZIS Central Java Solo Branch is here to help the community distribute their zakat to mustaḥiq and also help small entrepreneurs to develop their businesses from the zakat funds that have been collected. This study aims to explain the strategy for channeling productive zakat funds through an economic empowerment program and to mention the supporting and inhibiting factors in distributing productive zakat funds at LAZIS Central Java, Solo Branch. This study used a descriptive qualitative approach with a type of fieldresearch. The data sources used are primary and secondary data sources. Primary data sources were obtained from observations and interviews conducted with Central Java LAZIS management and mustaḥiq, and secondary data sources were obtained from important supporting documents. The results of this study indicate that the strategy applied in channeling productive zakat funds for the LAZIS Central Java Economic Empowerment Program, Solo Branch, uses the stages of survey, submission of files, verification, rolling out and mentoring. Factors supporting the distribution of productive zakat funds consist of four factors, namely the existence of a clear program design, the availability of zakat funds, the presence of volunteers who participate and the level of participation of beneficiaries. While the inhibiting factors consist of two factors, namely the lack of quality human resources and the lack of maximum performance in the process of monitoring or program monitoring.

Pengelolaan Zakat Produktif Berwawasan Kewirausahaan Sosial Dalam Pengentasan Kemiskinan Di Indonesia Mansur Efendi
Al-Ahkam: Jurnal Ilmu Syari’ah dan Hukum Vol. 2 No. 1 (2017): Al-Ahkam: Jurnal Ilmu Syari'ah dan Hukum
Publisher : Fakultas Syariah, Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/alahkam.v2i1.679

Productive zakat is one of effective zakat distribution model for social problem solving, particularly poverty alleviation. It needs serious effort to break up cycle of poverty. Right management of zakat productive is expected to solve the poverty problem. Recent years, social entrepreneurship has been developed in many countries. It is interesting to find correlation between social entrepreneurship and productive zakat management. Hopefully, it will find a chance of social entrepreneurship concept as an alternative model of zakat productive management in Indonesia. Further, zakat productive management with social entrepreneurship insight will be able to make independent and sustainable poverty problem solving. Keywords: productive zakat, poverty, social entrepreneurship Â Zakat produktif merupakan salah satu model penyaluran zakat yang efektif dalam penyelesaian masalah sosial, khususnya pengentasan kemiskinan. Masalah kemiskinan masih menjadi persoalan yang perlu disikapi secara serius. Agar tujuan tersebut dapat terwujud, maka zakat produktif harus dikelola dengan tepat. Kewirausahaan sosial yang beberapa tahun terakhir sedang berkembang di beberapa negara, menarik untuk ditemukan relasinya dengan pengelolaan zakat produktif. Dengan demikian akan diketahui sejauhmana peluang konsep kewirausahaan sosial sebagai alternatif model pengelolaan zakat produktif di Indonesia. Lebih jauh, pengelolaan zakat produktif yang berwawasan social enterprenurship diharapkan mampu menyelesaikan permasalahan kemiskinan secara mandiri dan berkelanjutan. Kata kunci: zakat produktif, kemiskinan dan kewirausahaan sosial

Menakar Progresivitas Hukum Wakaf dalam Pengembangan Wakaf Uang di Indonesia Mansur Efendi
Al-Ahkam: Jurnal Ilmu Syari’ah dan Hukum Vol. 3 No. 2 (2018): Al-Ahkam: Jurnal Ilmu Syari'ah dan Hukum
Publisher : Fakultas Syariah, Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/alahkam.v3i2.1470

This study explained the progressivity of waqf law in Indonesia, especially cash waqf development. The progressivity of waqf law is good enough to respond to global challenges or field needs. The progressivity of waqf law in Indonesia can be observed from the development of waqfs act regulations from pre-independence era until the post-reformation era. In cash waqf, there is fundamental law progressivity. It marked by act No. 44 year 2004 about waqf. Those act described new paradigm must be built on waqf management in Indonesia. Furthermore, those act also gave a space for cash waqf as a part of waqf development in Indonesia. Another progressivity which appeared in those act is waqf treasure object. Act No. 44 year 2004 confirmed that waqf treasure object is not only immovable object, as public understanding, but also applied on the movable object. Furthermore, the progressivity of waqf law has reached on waqf management and its institutional aspect. At least, this progressivity described collective awareness on the strategic role of waqf in Indonesias economics.

Pelaksanaan Pasal 43 Undang-Undang Nomor 41 Tahun 2004 Mengenai Pengelolaan dan Pengembangan Harta Wakaf di Pondok Modern Darussalam Gontor Mansur Efendi
Al-Ahkam: Jurnal Ilmu Syari’ah dan Hukum Vol. 4 No. 2 (2019): Al-Ahkam: Jurnal Ilmu Syari'ah dan Hukum
Publisher : Fakultas Syariah, Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/alahkam.v4i2.1961

Undang-undang Nomor 41 Tahun 2004 tentang wakaf, telah memberikan ruang dalam pengelolaan wakaf produktif. Pasal 43 secara tegas menyatakan bahwa pengelolaan dan pengembangan wakaf dilakukan secara produktif. Ini menunjukkan bahwa banyak pihak berharap manfaat wakaf produktif dapat dihadirkan secara nyata dalam kehidupan. Lebih jauh, spirit dari Undang-undang wakaf ini adalah menegaskan bahwa wakaf merupakan instrument atas pengelolaan aset produktif untuk kepentingan publik. Namun kenyataannya, pengelolaan wakaf belum sepenuhnya dilakukan secara produktif. Meskipun pengelolaan wakaf secara produktif sudah dimulai, namun jumlahnya masih sedikit. Banyak pihak mengeluhkan kendala yang dihadapi dalam pengelolaan wakaf produktif. Tulisan ini ingin menggambarkan sejauhmana pelaksanaan UU No. 41 Tahun 2004, khususnya Pasal 43 yang mengupas tentang wakaf produktif di Pondok Modern Darussalam Gontor. Jauh sebelum Undang-undang wakaf diterbitkan, Pondok Gontor sudah mengembangkan wakaf produktif, yang hasilnya digunakan untuk kepentingan sosial. Pengelolaan wakaf produktif di Pondok Modern Darussalam Gontor diharapkan dapat menjadi salah satu model bagi nadzir pengelola wakaf di Indonesia. Dengan demikian, kendala teknis pengelolaan wakaf produktif setidaknya dapat dikurangi.

Controlling Dualism in Sharia Cooperative and Spirit of Institutional Progressivity Mansur Efendi
Al-Ahkam: Jurnal Ilmu Syari’ah dan Hukum Vol. 5 No. 2 (2020): Al-Ahkam: Jurnal Ilmu Syari'ah dan Hukum
Publisher : Fakultas Syariah, Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/alahkam.v5i2.2990

Act no 1 of 2013 on micro-finance institution makes controlling dualism for a micro-finance institution, cooperative, including sharia cooperative. In that act, every micro-finance institution that operating its business must choose between a cooperative or limited liability company (PT) as a legal entity. According to the act on cooperative and act on the micro-finance institution, Sharia cooperative can be supervised by Finance Service Authority (OJK) or cooperative and micro-medium enterprise service. This dualism makes differences in how to determine controlling institutions for sharia cooperative. One of the contributing factors is the differences in controlling regulation between act on cooperative and act on the micro-finance institution. The result of this research shows that there are differences in controlling between act on cooperative and act on the micro-finance institution. The way of controlling, according to act on cooperative emphasizes principles to give autonomy, independency, and leniency to a cooperative. Whereas, the controlling model which implemented by OJK emphasize on prudential banking principles.

THE ROLE OF TRANSGENDER IN ECONOMY DEVELOPMENT IN MOJOKERTO: A DESCRIPTIVE RESEARCH Budianto, Lestari; Maknuun, Lu’lu’il; Wahyuni, Firdita; Efendi, Mansur; Ramadhani, Nurcipah; Anisa Nur Faujiah, Siti
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 5 No. 1 (2025): Januari 2025
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v5i1.3661

This descriptive research explores the economic roles and challenges of transgender individuals in Mojokerto, Indonesia, focusing on their experiences of discrimination, economic survival strategies, and community support. Employing a qualitative approach, semi-structured interviews, focus group discussions, and participant observations were conducted with 30 transgender individuals. Findings reveal pervasive discrimination in employment, education, and healthcare, leading many to pursue informal sector work. Despite barriers, transgender individuals demonstrate resilience through entrepreneurship and community networks, contributing to local economic activities. Cultural and religious contexts influence their experiences, sometimes providing unexpected support. Limitations include sample size and potential biases in self-reported data. Recommendations include policy reforms for anti-discrimination laws, inclusive education, healthcare access, and community-based economic initiatives. This study contributes nuanced insights into transgender economic experiences in Mojokerto, advocating for inclusive policies and future research to enhance understanding and support for transgender communities globally.

Analisis Kinerja Baznas Kabupaten Sukoharjo Dengan Metode Balanced Scorecard Nirmarum, Denta; Efendi, Mansur
Jurnal Al-Hakim: Jurnal Ilmiah Mahasiswa, Studi Syariah, Hukum dan Filantropi Vol. 6 No. 2 November 2024
Publisher : Fakultas Syariah, Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jurnalalhakim.v6i2.9914

The optimization of zakat management requires strong institutional support. One effort to achieve this is by evaluating the performance of zakat management institutions, particularly the National Amil Zakat Agency (BAZNAS). Several performance measurement models have been developed, such as IZN, IDZ, CIBEST, IMZ, ISZM, and the Balanced Scorecard. These models enable a comprehensive and simultaneous performance evaluation of BAZNAS. For example, a previous study analyzed the performance of BAZNAS Sukoharjo using the IZN model, with results indicating a "fair" performance. To build on this research, the present study uses field research with a descriptive qualitative approach, employing the Balanced Scorecard analysis. It measures performance from four perspectives: financial, customer (muzakki), internal business processes, and learning and growth. The results show that the performance of BAZNAS Sukoharjo, evaluated using the Balanced Scorecard, is rated "good" in the financial (zakat fund growth), customer (muzakki), and internal business process (programs implemented) perspectives, with a score of "1." Furthermore, the learning and growth perspective also achieved a "good" rating, with a score of "1." These results indicate that the performance has met the work targets, as well as the institution's vision and mission.

ANALISIS PENGARUH ZAKAT TERHADAP PENINGKATAN PENDAPATAN MUSTAHIQ (Studi Kasus Di Rumah Zakat Kantor Cabang Solo) Efendi, Mansur; Ardhiastuti, Yuni
Filantropi : Jurnal Manajemen Zakat dan Wakaf Vol. 1 No. 1 (2020): Filantropi
Publisher : Program Studi Manajemen Zakat dan Wakaf

Abstract Rumah Zakat Solo Branch Office in "Senyum Mandiri" program based on mustahiq empowerment has distributed zakat funds to mustah}iq as additional capital assistance. The distribution of zakat to the productive sector is expected to affect the income of mustahiq, or even change the formation of society from mustahiq becomes muzakki. However, it is known that the realization of zakat acceptance is still far from its potential. This may be due to the lack of muzakki belief that zakat has no effect on the income of mustahiq. This study was conducted to determine the distribution of zakat funds affects the increase of mustahiq income in Rumah Zakat Solo Branch Office. The results showed that zakat influences positively to increase mustahiq income in Rumah Zakat Solo Branch Office. This is shown in the results on the data with the help of software Statistical Product and Service Solutions (SPSS)/SPSS Statistics version 22.0, namely on the value of thitung is 4,944 in which it is greater than the value of ttable (2,012). Meanwhile the value of significance is 0,000 in which it is smaller than alpha (0,05). The level of relationship between variables is at the medium level indicated by the correlation number (Pearson Correlation) of 0,593. The value of R2 is 0,338 which indicates that the distribution of zakat (X) gives the effect around 33,8% to the increase of mustah}iq income (Y), while 66,2% is influenced by other variables which are not included in this research. Abstrak Rumah Zakat Kantor Cabang Solo dalam program "Senyum Mandiri" berdasarkan program pemberdayaan mustahiq, telah mendistribusikan dana zakat ke mustahiq sebagai bantuan modal tambahan. Distribusi zakat ke sektor produktif diharapkan dapat memengaruhi pendapatan mustahiq, atau bahkan mengubah pandangan masyarakat dari mustahiq menjadi muzakki. Namun,diketahui bahwa realisasi penerimaan zakat masih jauh dari potensinya. Ini mungkin karena kurangnya kepercayaan muzakki bahwa zakat tidak berpengaruh pada pendapatan mustahiq. Penelitian ini dilakukan untuk mengetahui distribusi dana zakat mempengaruhi peningkatan pendapatan mustahiq di Rumah Zakat Kantor Cabang Solo.Hasil penelitian menunjukkan bahwa zakat berpengaruh positif terhadap peningkatan pendapatan mustahiq di Rumah Zakat Kantor Cabang Solo. Hal ini ditunjukkan pada hasil pada data dengan bantuan perangkat lunak Statistik Produk dan Layanan Solusi (SPSS) / SPSS Statistik versi 22.0, yaitu pada nilai terhitung adalah 4,944 di mana itu lebih besar dari nilai ttable (2,012). Sementara nilai signifikansi adalah 0,000 yang lebih kecil dari alpha (0,05). Tingkat hubungan antar variabel berada pada level sedang yang ditunjukkan oleh angka korelasi (Korelasi Pearson) sebesar 0,593. Nilai R2 adalah 0,338 yang menunjukkan bahwa distribusi zakat (X) memberikan efek sekitar 33,8% terhadap peningkatan mustahiq pendapatan (Y), sedangkan 66,2% dipengaruhi oleh variabel lain yang tidak termasuk dalam penelitian ini.

PENGELOLAAN FILANTROPI ISLAM DI TENGAH PANDEMI COVID-19 (STUDI PADA KOMUNITAS KURIR SEDEKAH) Efendi, Mansur
Filantropi : Jurnal Manajemen Zakat dan Wakaf Vol. 2 No. 1 (2021): Filantropi
Publisher : Program Studi Manajemen Zakat dan Wakaf

Â 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.Â Â 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.

Implementasi Akad Murabahah dan Akad Mudharabah Terhadap Profitabilitas (Studi Komparasi pada Bank Mega Syariah Surabaya dan Bank KB Bukopin Syariah Surabaya) Wulansari, Andini; Efendi, Mansur; Faujiah, Siti Anisa Nur
Philosophiamundi Vol. 3 No. 1 (2025): Philosophiamundi February 2025
Publisher : PT. Kreasi Karya Majakata

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

The purpose of the study was to see how effective the implementation of the two contracts is, namely in the process of implementation, identifying obstacles, and evaluating the obstacles and the profitability of the two contracts at Bank Mega Syariah Surabaya and Bank KB Bukopin Syariah Surabaya. The research method used is a descriptive qualitative method with Miles and Huberman analysis techniques, collecting data through in-depth interviews. Respondents are bank employees who are responsible for murabahah and mudharabah activities, namely the financing and marketing departments. The results of the study indicate that the effectiveness of the implementation of murabahah and mudharabah contracts in both banks is more effective in murabahah contracts compared to mudharabah contracts. This study contributes to the practice of murabahah and mudharabah contracts in the banking sector, while also offering recommendations for banks to increase the effectiveness of the implementation of mudharabah and murabahah contracts. In addition, this study is expected to provide customers with a better understanding of sharia principles in financial transactions

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