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All Journal Laa Maisyir Jurnal Ekonomi Islam As-Syirkah: Islamic Economic & Financial Journal
Roisyatin Roisyatin
Institut Ummul Quro Al-Islami Bogor
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences Other

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Kesejahteraan Mustahiq dan Non Mustahiq Perspektif Maqaashidus Syariah Pada Petani Sehat Dompet Dhuafa Dan Program Nasional Pemberdayaan Masyarakat Jamaludin Jamaludin; Roisyatin Roisyatin
LAA MAISYIR: Jurnal Ekonomi Islam Vol 7, No 1 (2020)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/lamaisyir.v7i1.13523

Abstract

Penelitian ini memiliki dua pertanyaan inti yang dijawab dalam sebuah analisis perbandingan. Yang pertama apakah program zakat produktif pada Program Pemberdayaan Petani Sehat (P3S) Dompet Dhuafa telah memberikan kesejahteraan kepada masyarakat sesuai konsep maqaashidus syariah. Dan yang kedua, apakah ada perbedaan dan seberapa jauh perbedaan kesejahteraan masyarakat ekonomi lemah kategori mustahiq anggota P3S Dompet Dhuafa dengan bantuan zakat dan non mustahiq anggota Program Nasional Pemberdayaan Masyarakat (PNPM) dengan bantuan non zakat perspektif maqaashidus syariah.Hasil analisis uji beda ANOVA diperoleh tingkat signifikansi sebesar 0,010 yang berada di bawah 0,05, artinya terdapat perbedaan signifikan antara variabel bantuan zakat (X) terhadap kesejahteraan mustahiq dari sudut pandang maqaashidus syariah (Y) dibandingkan dengan bantuan kepada non mustahiq. Skoring kuesioner juga menyatakan bahwa dana zakat memberikan kontribusi kesejahteraan kepada mustahiq sebesar 87%. Sedangkan dana non zakat memberikan kontribusi kesejahteraan kepada non mustahiq sebesar 59%.Maka kesimpulan dari penelitian ini adalah terdapat perbedaan kesejahteraan antara mustahiq dan non mustahiq. Sehingga dari sudut pandang maqaashidus syariah diketahui bahwa zakat memberikan kesejahteraan secara agama, akal, jiwa, harta dan keturunan. Zakat sebagai salah satu syariat yang ditetapkan Allah SWT untuk kemaslahatan umat manusia dapat memenuhi kelima aspek maqaashidus syariah dalam studi kasus yang dilakukan pada mustahiq P3S Dompet Dhuafa dan non mustahiq PNPM.    
Analisis Implementasi Pembiayaan Murabahah Berdasarkan Fatwa DSN-MUI pada PT. Bank Syariah Indonesia Tbk Periode 2023-2025 Moh. Asep Zakariya Ansori; Roisyatin Roisyatin; Widya Yulia Nabila; Sintia Najwaludin; Siti Nuraeni Siva; Azi Febrian; Darma Trianggoro; Fajar Cahya Gumilar
As-Syirkah: Islamic Economic & Financial Journal Vol. 5 No. 3 (2026): As-Syirkah: Islamic Economic & Financial Journal 
Publisher : Ikatan Da'i Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56672/eez1ts35

Abstract

This study aims to analyze the trend of sharia compliance in the implementation of murabahah financing based on the DSN-MUI Fatwa No: 04/DSN-MUI/IV/2000 and evaluate the effectiveness of the Sharia Supervisory Board (DPS) supervision at PT. Bank Syariah Indonesia Tbk (BSI) during the period 2023–2025. The methodology used is descriptive qualitative with a comparative approach through literature meta-analysis of 10 empirical studies, which are analyzed in stages at the macro (headquarters), meso (branch offices), and micro (sub-branch offices) levels. The results of the study indicate a dynamic fluctuation in compliance trends. In 2023, the implementation of murabahah in consumer products (such as KPR BSI Griya Simuda) shows very high sharia compliance and margin transparency thanks to the preventive supervision of the central DPS through standardization of legal contracts. However, significant structural challenges were identified in 2024–2025, including the practice of signing dual contracts (murabahah and wakalah simultaneously) at the branch branch level, the recognition of late fees (ta'zir) as bank income, and information asymmetry due to low public literacy. On the other hand, BSI successfully demonstrated ethical compliance in resolving problem financing through fair collateral auction procedures. This study concluded that the effectiveness of DPS supervision is significantly influenced by the disciplined integration of Sharia compliance into the bank's digital governance system.
Co-Authors Azi Febrian Darma Trianggoro Fajar Cahya Gumilar Jamaludin Jamaludin Moh. Asep Zakariya Ansori Sintia Najwaludin Siti Nuraeni Siva Widya Yulia Nabila