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Cash Wakaf's Contribution to Islam's Socio-Economic Development in Perak Shafiai, Mohd Zaini; Musa, Armiadi; Muthalib, Salman Abdul
Media Syari'ah : Wahana Kajian Hukum Islam dan Pranata Sosial Vol 26, No 1 (2024)
Publisher : Sharia and Law Faculty

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jms.v26i1.24311

This article aims to discuss the role of cash waqf in the socio-economic development of Muslims in the country of Perak. Cash Waqf is a new product of fiqh today. Because, initially the discussion about waqf referred to non-transferable assets ('iqar) and transferable assets (manqul). Waqf Perak Ar Ridzuan (WPAR) which was launched in 2015 aims to overcome the problem of lack of cash waqf funds. This article explains the implementation of WPAR cash waqf from 2016 to 2021. This research is qualitative in nature through a semi-structured interview protocol with the management of the Perak Islamic Religion Council (MAIPk). The research results found that the implementation of cash waqf focuses on four main areas, namely economics, education, health and religion. In the economic sector, bot waqf funds and waqf business centers (WBC) help increase the income and standard of living of Muslims. Meanwhile, in the education sector, the focus is on endowments for student dormitory buildings and the MUMTAZ program. Meanwhile, in the health sector, hemodialysis center facilities have been built and in the religious sector, funds have been created for the development of maahad tahfiz and the development of Al-Quran knowledge. The findings of this research prove that increasing WPAR fund collection can develop the socio-economic development of Muslims in the country of Perak. It is hoped that the implications of this research can provide a valuable contribution and serve as a guide for MAIPk, in managing waqf so that it can empower cash waqf in the country of Perak.

PERSEPSI DOKTER TERHADAP ZAKAT PENGHASILAN: Suatu Penelitian pada Asosiasi IDI Kota Banda Aceh Musa , Armiadi; Maualana, Ilham
Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah Vol. 1 No. 2 (2020): Al-Mudharabah : Jurnal ekonomi dan Keuangan Syariah
Publisher : Prodi Hukum Ekonomi Syariah, Fakultas Syariah dan Hukum, UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/al-mudharabah.v2i2.1285

Zakat penghasilan merupakan zakat yang diwajibkan kepada setiap atau suatu keahlia profesional tertentu. Zakat penghasilan merupakan zakat muncul dari pada ijtihad ulama kotemporer. Zakat penghasilan di tunjukkan kepada pelaku profesi yang tidak dibahas sebelumnya didalam Al-Quran dan Hadist. Pada penelitian ini dilakukan untuk mengehatui bagaimana pemahaman pelaku profesi Dokter pada Asosiasi IDI kota Banda Aceh terhaap zakat penghasilan, dan yang menjadi fokus dari pembahasannya iyalah persepsi dai para Dokter tersebut terhadap zakat penghasilan dan apa saja yang menjadi faktor yang mempengaruhi pemahaman dari para Dokter tersebut terhadap zakat penghasilan

RISK COVERAGE ACCORDING TO DSN-MUI FATWA NO. 39 OF 2002 CONCERNING HAJJ INSURANCE: A STUDY AT THE MINISTRY OF RELIGIOUS AFFAIRS OF BANDA ACEH CITY Ningsih, Mutia Martuna; Musa, Armiadi; Umur, Azmil
Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah Vol. 5 No. 1 (2024): Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah
Publisher : Prodi Hukum Ekonomi Syariah, Fakultas Syariah dan Hukum, UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/al-mudharabah.v5i1.4537

This article aims to analyse the practice of Hajj insurance at the Ministry of Religious Affairs of Banda Aceh City with a review according to Fatwa DSN-MUI Number 39 of 2002 concerning Hajj insurance. The role of the government in the management of Hajj insurance and the mechanism for submitting Hajj insurance claims are analysed. The problems in this study focus on how is the practice of Hajj insurance for pilgrims and the mechanism for submitting Hajj insurance claims at the Ministry of Religious Affairs of Banda Aceh City with relevance to the DSN-MUI Fatwa Number 39 of 2002 concerning Hajj Insurance Practices. The primary data is gathered from interviews and observations. While secondary data is obtained from the results of research related to this study. The results showed that, first, the insurance practice at the Ministry of Religious Affairs of Banda Aceh City is only limited as a facility provider who proposes to the Central Ministry of Religion Office as a policy holder, so that the insurance claim process occurs at the central level and can be confusing for pilgrims. Nevertheless, the Hajj insurance used by pilgrims is considered in accordance with Islamic teachings because it is sharia-based. Second, the mechanism for submitting insurance claims, families can apply for insurance to the provincial ministry of religion office which will then be submitted to the centre while carrying a number of requirements. Some of the requirements include a death certificate (SKK), a statement letter of heirs from the sub-district and the account number of the deceased or heirs. Third, in the review of the DSN-MUI fatwa No.39 of 2002 concerning Hajj insurance, the practice of Hajj insurance that occurs at the Ministry of Religious Affairs of Banda Aceh City is still less than optimal. Hajj pilgrims do not even know at all about the insurance claim process. Especially for pilgrims from the regions, the process of submitting claims is considered difficult to understand. In fact, the heirs of pilgrims often do not know how to submit insurance claims used by pilgrims, the absence of representatives from PT Asuransi Takaful Keluarga in the regions is also an obstacle in the process of submitting claims, so that the families of pilgrims face challenges in submitting claims with a long procedures.

Digital-Based Information System of Zakat Management in Indonesia: Strategies for Increasing Revenue in Fiqh Muamalah Perspectives Musa, Armiadi; Zulfikar, Teuku; Khalidin, Bismi
Samarah: Jurnal Hukum Keluarga dan Hukum Islam Vol 6, No 2 (2022): Samarah: Jurnal Hukum Keluarga dan Hukum Islam
Publisher : Islamic Family Law Department, Sharia and Law Faculty, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/sjhk.v6i2.11960

This study aims to examine the digital-based zakat management information system and strategies for increasing ZIS fund income from the perspective of muamalah fiqh in NTB and Aceh. This study focuses on using SimBaznas on the loyalty of zakat payments, the cand constraints, and strategies taken to increase zakat payments in the two regions. This is a mixed-method study to obtain more comprehensive, reliable, and objective data. The results showed that the implementation of SimBaznas at Baznas in NTB was only carried out on reporting zakat collection that had been carried out properly, while reports and asset reports had not been well informed in SimBaznas. Meanwhile, in Aceh Province, all SimBaznas features have not been effective. Quantitative analysis shows that the ease of use and availability of facilities and infrastructure does not guarantee a correlation with the implementation of SimBaznas in the two provinces. In addition, the seriousness of the interest of SimBaznas users has an effective effect on the implementation of the system. However, it is certain that the existence of SimBaznas has no significant effect on the loyalty of Muslims in the two provinces. The problem with using SimBaznas is caused by the lack of quantity and quality of IT-based human resources. Therefore, the strategies that can be applied are improving the quality and quantity of SimBaznas IT managers, socializing SimBaznas to the public, encouraging ratifying the law on zakat as a tax deduction, and finalizing the regulation of zakat as PAD in Aceh. Therefore, in the context of fiqh muamalah, Baitul Mal will increasingly contribute to poverty alleviation, economic development, and human resource development in NTB, Aceh, and Indonesia.

Cash Wakaf's Contribution to Islam's Socio-Economic Development in Perak Shafiai, Mohd Zaini; Musa, Armiadi; Muthalib, Salman Abdul
Media Syari'ah Vol 26 No 1 (2024)
Publisher : Fakultas Syariah dan Hukum Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jms.v26i1.24311

This article aims to discuss the role of cash waqf in the socio-economic development of Muslims in the country of Perak. Cash Waqf is a new product of fiqh today. Because, initially the discussion about waqf referred to non-transferable assets ('iqar) and transferable assets (manqul). Waqf Perak Ar Ridzuan (WPAR) which was launched in 2015 aims to overcome the problem of lack of cash waqf funds. This article explains the implementation of WPAR cash waqf from 2016 to 2021. This research is qualitative in nature through a semi-structured interview protocol with the management of the Perak Islamic Religion Council (MAIPk). The research results found that the implementation of cash waqf focuses on four main areas, namely economics, education, health and religion. In the economic sector, bot waqf funds and waqf business centers (WBC) help increase the income and standard of living of Muslims. Meanwhile, in the education sector, the focus is on endowments for student dormitory buildings and the MUMTAZ program. Meanwhile, in the health sector, hemodialysis center facilities have been built and in the religious sector, funds have been created for the development of maahad tahfiz and the development of Al-Quran knowledge. The findings of this research prove that increasing WPAR fund collection can develop the socio-economic development of Muslims in the country of Perak. It is hoped that the implications of this research can provide a valuable contribution and serve as a guide for MAIPk, in managing waqf so that it can empower cash waqf in the country of Perak.

EFEKTIVITAS PENYALURAN ZAKAT TERHADAP PENURUNAN ANGKA KEMISKINAN (STUDI PENELITIAN DI BAITUL MAL KOTA LHOKSEUMAWE) Afrida, Cut; Musa, Armiadi; Arifin, Muhammad
JIM : Journal Of International Management Vol 4 No 01 (2025): JIM : Journal Of International Management
Publisher : Pusat Studi Ekonomi, Publikasi Ilmiah dan Pengembangan SDM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62668/jim.v4i01.2085

This study aims to examine the effectiveness of zakat distribution in reducing poverty levels in Lhokseumawe City through programs implemented by the Baitul Mal of Lhokseumawe City. Although zakat has significant potential as a poverty alleviation instrument, several challenges remain in practice, including suboptimal distribution, inaccurate identification of eligible beneficiaries (mustahik), and limited available funds. This research employs a descriptive qualitative method, with data collected through field observations, in-depth interviews with Baitul Mal officials, and documentation studies based on institutional reports and data from the Central Bureau of Statistics of Lhokseumawe City. The findings indicate that zakat distribution programs have provided tangible benefits to mustahik, particularly through productive business capital assistance and skills training initiatives. However, the overall effectiveness of these programs still requires improvement. Enhancing data accuracy, implementing more structured distribution strategies, and strengthening continuous monitoring and evaluation systems are essential to achieving optimal and sustainable long-term impacts on poverty reduction in Lhokseumawe City.

From Agricultural Zakat to Trade Zakat: Rethinking Hydroponics within Contemporary Islamic Legal Frameworks in Indonesia Ash Shiddiqi, Muhammad; Musa, Armiadi; Jailani, Jailani; Manan, Abdul; Chalis, M.
Al-Qadha : Jurnal Hukum Islam dan Perundang-Undangan Vol. 12 No. 2 (2025): Al-Qadha: Jurnal Hukum Islam dan Perundang-Undangan
Publisher : Hukum Keluarga Islam IAIN LANGSA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/qadha.v12i2.12201

This study analyzes the legal gaps in traditional zakat regulations that are not yet relevant to modern agricultural systems, such as hydroponics. The aim of study is to provide conceptual and practical contributions by reviewing the views of Islamic scholars, determining the appropriate classification of zakat, and formulating fair calculations of the nisab and haul. The approach used in this research is normative-juridical, using a literature study method. Primary legal sources include classical fiqh texts, contemporary fatwas from religious scholars, and laws and regulations related to zakat in Indonesia. Secondary legal sources include scientihic journals, books, and other relevant scientihic research findings. The data collected through this documentation ware analyzed qualitatively and descriptively by comparing the characteristics of hydroponics with the criteria for zakat in agriculture and trade. The study results indicate that hydroponic characteristics, such as a continuous harvest cycle, a focus on profit, and an intensive business model, are more relevant to be categorized as trade zakat ('urūḍ al-tijārah). The ideal zakat calculation formula is based on the nisab of 85 grams of gold with a 2.5% gold content, which must be paid after one full year of ownership (haul), at the same time providing fundamental policy implications for Baitul Mal Aceh to revise the Zakat Qanun, especially by including the trade zakat category for modern agricultural products, as well as being a reference in compiling regulations that are more adaptive to the dynamics of the contemporary agribusiness system

What Determines Muslim-Friendly Tourism in Aceh? Musa, Armiadi; Halim, Hendra; Khalidin, Bismi; Ibrahim, Azharsyah
IQTISHADIA Vol 14, No 1 (2021): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v14i1.9438

Aceh is the only province in Indonesia legally allowed to implement sharia law across all sectors, including the tourism industry. This study aims to analyze factors influencing Muslim-Friendly Tourism (MFT) in Aceh. Specifically, it examines the direct and indirect relationship between MFT with travel intention, destination image, and tourist attitude. Data is gathered through a questionnaire survey among 150 respondents that were selected using the convenience sampling method. To explain the tourist’s travel intentions, this study develops and tests a multiple regression analysis using the extended hierarchical linear modeling. Seven hypotheses were proposed regarding the relationships between MFT, tourist attitude, destination image, and travel intention constructs. The empirical results from the structural model suggest that MFT, destination image, and tourist attitude significantly influence travel intention; destination image and tourist attitude are the perfect mediators in influencing the MFT on travel intention to Aceh. These results have the implication in improving the promotions of tourism destinations in Aceh and developing more effective halal tourism positioning strategies for Aceh in particular and Indonesia in general.

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