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All Journal Dusturiah : Jurnal Hukum Islam, Perundang-undangan dan Pranata Sosial PETITA: Jurnal Kajian Ilmu Hukum dan Syariah (PJKIHdS) SAMARAH: Jurnal Hukum Keluarga dan Hukum Islam El-Usrah: Jurnal Hukum Keluarga Media Syari'ah: Wahana Kajian Hukum Islam dan Pranata Sosial Al-Qadha: Jurnal Hukum Islam dan Perundang-Undangan Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam Journal of Sharia Economics Share: Jurnal Ekonomi dan Keuangan Islam Al-Iqtishadiah: Jurnal Hukum Ekonomi Syariah JIM : Journal Of International Management Kanun: Jurnal Ilmu Hukum Indonesian Journal of Innovation Science and Knowledge Al-Mudharabah IJEMA KARSA: Jurnal Sosial dan Budaya Keislaman (Journal of Social and Islamic Culture)
Armiadi Musa
Universitas Islam Negeri Ar-Raniry Banda Aceh
Religion Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences

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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

Abstract

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

Abstract

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

Abstract

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.
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

Abstract

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.
Proteksi Aset Wakaf Saham Di Tengah Volatilitas Pasar Modal: Studi Komparasi Regulasi Indonesia, Malaysia, dan Arab Saudi Muhammad Hanif Alghiffari; Armiadi Musa
Indonesian Journal of Economics Management and Accounting Vol. 3 No. 7 (2026): IJEMA - Juli 2026
Publisher : PT. INOVASI TEKNOLOGI KOMPUTER

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

Abstract

Untuk mematuhi aturan Syariah, yang menyatakan bahwa aset harus dipertahankan selamanya dan nilainya tidak boleh turun, waqf saham merupakan instrumen amal Islam yang menetapkan saham sebagai aset waqf. Saham pada dasarnya merupakan aset keuangan yang fluktuatif. Bagian pertama artikel ini membahas pertentangan mendasar antara kebutuhan agar aset waqf bertahan selamanya dan kenyataan bahwa harga saham terus berubah. Artikel ini menggunakan metode studi kebijakan komparatif untuk mengkaji bagaimana Arab Saudi, Indonesia, dan Malaysia menangani kemungkinan penurunan nilai portofolio saham wakaf. Ternyata, Arab Saudi memiliki sistem terpusat berkat Undang-Undang Wakaf Berkelanjutan dan Undang-Undang Perusahaan Baru tahun 2022, yang secara jelas mengatur bahwa pemegang saham wakaf berhak untuk keluar dari perusahaan. Sebaliknya, peraturan wakaf umum Indonesia (Undang-Undang Nomor 41 Tahun 2004), yang diawasi oleh BWI, OJK, dan BEI, bersifat tidak terorganisir dan tidak memuat aturan teknis khusus mengenai saham wakaf. Di bawah arahan Dewan Agama Islam Negara (SIRC), yang tidak terpusat, Malaysia telah mengembangkan model reksa dana wakaf (ASNB Wakalah) dan sukuk yang terkait dengan wakaf. Beberapa cara untuk menjaga keamanan modal pokok adalah dengan mendiversifikasi portofolio saham yang sesuai syariah dan memiliki fundamental yang kuat. Model wakaf dividen merupakan cara lain untuk melakukannya. Model ini memisahkan modal pokok dari hasil investasi secara struktural. Ketiga, mengubah instrumen menjadi reksa dana obligasi dan sukuk. Terakhir namun tidak kalah pentingnya, menggabungkan manajemen risiko dengan hukum syariah
Legal Status Typology of Waqf Nazhir and Challenges to Registration with the Indonesian Waqf Board: Insights from Aceh and North Sumatra Adan, Hasanuddin Yusuf; bin Abdul Jalil, Husni; Damanhuri, Damanhuri; Musa, Armiadi
Samarah: Jurnal Hukum Keluarga dan Hukum Islam Vol. 10 No. 2 (2026): 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/z7416218

Abstract

The implementation of the nazhir registration requirement under Article 14 of Law Number 41 of 2004 on Waqf continues to reveal a gap between legal norms and practice. Although every nazhir is legally required to be registered with the Minister of Religious Affairs and the Indonesian Waqf Board (BWI), in practice many are registered only with the Office of Religious Affairs (KUA), while others remain unregistered with both institutions. Previous studies have primarily examined waqf governance, whereas research developing a typology of the legal status of nazhir based on registration practices remains limited. This study aims to formulate a legal status typology of waqf nazhir and identify the factors hindering registration with the Indonesian Waqf Board. Employing a qualitative socio-legal approach, data were collected through in-depth interviews, observation, and document analysis and were analyzed thematically. The findings identify three legal status typologies of waqf nazhir: formal, registered with both the KUA and BWI, semi-formal, registered with the KUA but not with BWI; and informal, registered with neither the KUA nor BWI. The study further reveals that overlapping institutional authority, weak inter-agency coordination, limited legal awareness among nazhir, and the institutional and budgetary constraints of BWI constitute the main barriers to registration. This study contributes by proposing a legal status typology of waqf nazhir as a conceptual framework for understanding the implementation gap in waqf law and underscores the need to strengthen institutional coordination, harmonize regulations, and develop a digital registration system to enhance legal certainty and the effectiveness of waqf governance in Indonesia.
EFEKTIVITAS PENYALURAN ZAKAT TERHADAP PENURUNAN ANGKA KEMISKINAN (STUDI PENELITIAN DI BAITUL MAL KOTA LHOKSEUMAWE) Cut Afrida; Armiadi Musa; Muhammad Arifin
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

Abstract

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 Muhammad Ash Shiddiqi; Armiadi Musa; Jailani Jailani; Abdul Manan; M. Chalis
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

Abstract

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
Analisis Faktor-Faktor Yang Mempengaruhi Keputusan Muzakki Dalam Membayar Zakat Di Baitul Mal Kabupaten Aceh Besar Syarifah Najah; Armiadi Musa; Khairul Amri
Indonesian Journal of Innovation Science and Knowledge Vol. 3 No. 2 (2026): IJISK 2026
Publisher : Fakultas Pendidikan Ilmu Keguruan, Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/ijisk.v3i2.336

Abstract

Kecenderungan muzakki di Kabupaten Aceh Besar dalam menunaikan zakat masih dilakukan secara mandiri tanpa melalui lembaga pengelola zakat. Kondisi ini tercermin dari kesenjangan antara potensi zakat di kabupaten aceh besar yang mencapai 280 miliar sedangkan penerimaan zakat hanya berkisar 11 miliar pertahun. Hal tersebut menunjukkan bahwa Baitul Mal belum optimal dalam menjangkau seluruh segmen muzaki. Penelitian ini bertujuan untuk menganalisis faktor-faktor yang memengaruhi keputusan muzakki dalam membayar zakat melalui Baitul Mal Kabupaten Aceh Besar, baik secara parsial maupun simultan. Penelitian ini menggunakan pendekatan kuantitatif dengan jumlah sampel sebanyak 100 responden. Data dikumpulkan melalui kuesioner dan dianalisis menggunakan regresi logistik biner karena variabel keputusan bersifat dikotomis, yaitu memilih dan tidak memilih Baitul Mal Kabupaten Aceh Besar. Hasil penelitian menunjukkan bahwa secara simultan minat, religiusitas, kesadaran, kepercayaan, dan aksesibilitas berpengaruh signifikan terhadap keputusan muzakki, dengan nilai signifikansi 0,000 < 0,05. Secara parsial, minat berpengaruh positif dan signifikan dengan nilai signifikansi 0,040; religiusitas berpengaruh positif dan signifikan dengan nilai 0,001; kesadaran berpengaruh positif dan signifikan dengan nilai 0,002; kepercayaan berpengaruh positif dan signifikan dengan nilai 0,000; serta aksesibilitas berpengaruh positif dan signifikan dengan nilai 0,018. Model regresi menunjukkan kelayakan yang baik berdasarkan uji Hosmer and Lemeshow dengan nilai signifikansi 0,991, nilai Nagelkerke R Square sebesar 0,716, dan tingkat ketepatan klasifikasi sebesar 89%. Hasil tersebut menunjukkan bahwa kelima variabel penelitian secara bersama-sama mampu menjelaskan keputusan muzakki dalam memilih Baitul Mal Kabupaten Aceh Besar dan menjadi faktor penting dalam meningkatkan penghimpunan zakat melalui lembaga resmi.
Zakat in “Qanun” (Aceh Local Law): The Impact to Zakat Management as the Local Government Original Revenues in Baitul Mal of Aceh [الزكاة في "القانون" (النظام المحلي في آتشيه): تأثير إدارة الزكاة كالإيرادات الأصلية للحكومة المحلية في بيت المال الآتشي] Armiadi Musa
KARSA Journal of Social and Islamic Culture Vol. 26 No. 1 (2018)
Publisher : Universitas Islam Negeri Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/karsa.v26i1.1832

Abstract

Zakat is considered as one of the sources of the original revenues of the local government (PAD) and is managed by Baitul Mal, whether at the level of Aceh province or at the level of the municipality and the city. It is regulated and codified in Indonesian Law No. (11) of the year 2006 regarding the Government of Aceh (UUPA) in the section of 108. The arrangement of this law has raised a number of serious problems and can be said to be a hasty and incautious movement done by Aceh government, because forcing the implementation of the governmental financial system in the mechanisms of organizing zakat and the inefficiency of the Aceh government to create special derivatives of zakat make this institution does not enjoy the independence and flexibility in organizing Zakat. The negative effects of applying this system in zakat have hampered the organization of zakat as well, especially in terms of the distribution, disbursement and efficient use of Zakat and the preparation of its reports. Employees also feel under the specter of criminalization of the designated authorities. Therefore, this research suggests that the zakat system should be set up in a special system, in a special mechanism and in a special account number. It should not be equalized with the other original revenues of the local government (PAD).
Co-Authors Abdul Manan Akmal, Raihanul Andri Kiawan Arifa Santi Azharsyah Ibrahim Azmil Umur Azmil Umur, Azmil bin Abdul Jalil, Husni Binti Ilyas, Irawati Bismi Khalidin Cut Afrida Damanhuri Edi Yuhermansyah Fakhrurrazi M. Yunus Hafas Furqani Halim, Hendra Halmasiska Halmasiska Halmasiska, Halmasiska Hasanuddin Yusuf Adan Hendra Halim Ilham Maualana Irawati Binti Ilyas Jailani Jailani Khairul Amri M. Chalis Maualana, Ilham Muhamad Al-Fattah Bin Abu Bakar Muhammad Arifin Muhammad Ash Shiddiqi Muhammad Hanif Alghiffari Mutia Martuna Ningsih Ningsih, Mutia Martuna Reza Darmawan Salman Abdul Muthalib Sartika Indah Sari Shafiai, Mohd Zaini Syarifah Najah Teuku Zulfikar