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All Journal ASAS : Jurnal Hukum Ekonomi Syariah HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam al-Afkar, Journal For Islamic Studies Syi'ar Iqtishadi Jurnal Profetik Al Maal: Journal of Islamic Economics and Banking Jurnal khabar: Komunikasi dan Penyiaran Islam Tadbir: Jurnal Manajemen Dakwah Dakwah: Jurnal Kajian Dakwah dan Kemasyarakatan Jurnal Manajemen Dakwah Jurnal Riset Komunikasi Penyiaran Islam Journal of Islamic Management Busyro : Jurnal Dakwah dan Komunikasi Islam ITQAN: Journal of Islamic Economics, Management, and Finance Al-Manaj Jurnal Kajian Manajemen Dakwah Setyaki : Jurnal Studi Keagamaan Islam Gudang Jurnal Multidisiplin Ilmu HUMANITIS : Jurnal Humaniora, Sosial dan Bisnis Journal of Entrepreneurial and Business Diversity Tasyri' Muqaddimah: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah JEBD AL-KARIM: Journal of Islamic and Educational Research Jurnal Kajian Islam dan Sosial Keagamaan Moneter : Jurnal Ekonomi dan Keuangan Santri : Jurnal Ekonomi dan Keuangan Islam Jurnal Syariah dan Ekonomi Islam (JSEI) Jurnal Inovasi Ekonomi Syariah dan Akuntansi Mudabbir Al-Idaroh Journal of Business Economics and Management Abdurrauf Law and Sharia Jurnal Manajemen Dakwah Ittishol: Jurnal Komunikasi dan Dakwah Ulil Albab
Muhamad Zen
Universitas Islam Negeri (UIN) Syarif Hidayatullah Jakarta
Religion Aerospace Engineering Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Synergy of Zakat and Waqf in Realizing Contemporary Sharia Economic Welfare: Analysis of Fiqh Muamalah Al Kahfi; Muhamad Zen
al-Afkar, Journal For Islamic Studies Vol. 7 No. 4 (2024)
Publisher : Perkumpulan Dosen Fakultas Agama Islam Indramayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31943/afkarjournal.v7i4.1676

Abstract

This study analyzes the synergy between zakat and waqf in an effort to realize sharia economic welfare in the era with a contemporary approach to fiqh muamalah. Zakat and waqf are seen as important economic instruments in supporting fair distribution of wealth, poverty alleviation, and sustainable development in society. Through a literature study, this study found that the synergy between zakat which functions as direct redistribution and long-term waqf can strengthen the foundation of the people's economy. This study also discusses the challenges of regulation, professionalism of management, and low public literacy regarding the importance of zakat and productive waqf as economic tools. Recommendations in the form of implementing digital technology, improving amil governance, and cross-institutional collaboration are expected to optimize the role of zakat and waqf in creating a more just and economically prosperous society in accordance with the principles of fiqh muamalah.
Wadi’ah dan Hawalah serta Implementasinya dalam Perbankan Syariah Darmawati, Nia; Zen, Muhamad
SETYAKI : Jurnal Studi Keagamaan Islam Vol. 2 No. 4 (2024): NOVEMBER
Publisher : CV Kalimasada Group

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59966/setyaki.v2i4.1213

Abstract

Sharia financial management has different principles from conventional financial management. In managing finances according to sharia principles with Islamic banking institutions, one of the important conditions that must exist is a contract. Among the many contracts that exist, there are wadi'ah and hawalah in contract transactions in Islamic banking. This research aims to analyze the comparison between the concepts of wadi'ah and hawalah in the Islamic banking system. The research involves data collection from various literatures, as well as interviews with Islamic banking experts. The analysis was conducted to understand how these two concepts function in the context of Islamic banking, as well as to identify the differences and similarities between the two. The results show that wadi'ah is a contract that occurs between two parties, where the first party entrusts an item to the second party. The implementation of wadi'ah is in current accounts (liabilities), while hawalah is a contract for the transfer of debt / credit of one party to another. The implementation of hawalah in Islamic banks is in the form of Post Dated Check; it can also be applied to factoring products. This study also highlights the importance of a good understanding of these two concepts, both for customers and Islamic banking institutions, to ensure that the principles of Islamic banking are respected and adhered to.
Mudharabah serta Musyarakah dalam Praktik Lembaga Keuangan Syariah Arsela, Mika; Zen, Muhamad
Tasyri' : Journal of Islamic Law Vol. 4 No. 1 (2025): Tasyri'
Publisher : STAINI Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53038/tsyr.v4i1.156

Abstract

Islamic financial institutions record extraordinary circumstances achieved at ever-changing intervals that can be recognized by cosmopolitan technology. This reflection talks about the differences and similarities between mudharobah and musyarakah in the participation of Islamic financial institutions. The euphemistic disposition possessed in reflection is a qualitative disposition with a creative writing approach. Each collection is hand-collected and explained thereby nailing down a well-controlled process. This reflection states that the persistence of understanding mudharobah and musyarakah in the beginnings of Islamic finance has differences and similarities, these differences can be seen from the understanding, basic sharia, actions in Islamic financial institutions, capital, patronage management, ratios and risks. These patches of similarity complete the distortion of facts in business goals and complications.
ANALISIS FIQIH MUAMALAH KONTEMPORER DALAM TRANSAKSI JUAL BELI ONLINE Syahrizal; Muhamad Zen
Jurnal Syariah dan Ekonomi Islam Vol 2 No 2 (2024): Jurnal Syariah dan Ekonomi Islam
Publisher : FAKULTAS SYARIAH DAN EKONOMI ISLAM IAI ALMUSLIM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71025/vdk19e81

Abstract

Online buying and selling is currently very popular with all people who have internet access, because with all methods that in essence make it easier and present a sense of satisfaction so that online buying and selling is never avoided from the topic of conversation.  Buying and selling before the advancement of technology already had standards in practice that had been regulated in the Qur'an and Al-Sunnah. So that however, technology changes the method of transactions, but Islam long before that has established signs that must be obeyed for believers.  These signs have already existed with a legal basis, namely the Qur'an, Al-Sunnah and Ijma'. The Qur'an commands that if buying and selling in an initial contract provides relief for the buyer, namely by giving goods with a debt contract to write a grace period given to the buyer in paying it off. Al-Sunnah ordered not to sell goods that are different from those offered, thus giving rise to the nature of liars. And Ijma' Ulama ordered buying and selling so that there would be no ghoror, namely the ambiguity in the contract at the beginning of the transaction that there was no guarantee, in this case the buyer was deceived in the specifics of the goods and vice versa the seller was deceived in the value of an item. 
Kepatuhan Syariah dalam Perbankan Online dan Fintech Syariah: Pembiayaan Online pada Prinsip-Prinsip Syariah Muhammad Yudha Ardiansyah; Muhamad Zen
Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Vol. 2 No. 4 (2024): November : Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/jupiekes.v2i4.1751

Abstract

Financial technology (fintech) services in Indonesia are growing rapidly, including sharia fintech that operates based on sharia principles. DSN-MUI Fatwa No. 117/DSN-MUI/IX/2018 is the operational basis for sharia fintech, although the Financial Services Authority (OJK) has not fully integrated it into binding regulations. This study examines sharia compliance in sharia fintech services using library research methods. The results of the study indicate that although sharia fintech has grown, stronger legal instruments are needed so that sharia compliance is implemented comprehensively. The role of the Sharia Supervisory Board (DPS) is very important in ensuring that sharia principles are implemented. However, supervision and legal protection for sharia fintech consumers are still minimal. Therefore, special regulations and strengthening of the DPS function are needed to ensure that sharia fintech truly complies with Islamic legal principles, maintains the existence of fintech, and increases consumer trust.
Pembinaan Mustahiq Program Mandiri Ekonomi LAZ Sukses Depok Murodhi, Difa Baladissalam; Zen, Muhamad
Jurnal Manajemen Dakwah Vol. 2 No. 2 (2024): Jurnal Manajeman Dakwah
Publisher : Program Studi Manajemen Dakwah Fakultas Ushuluddin Dan Dakwah Uin Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jmd.v2i2.9868

Abstract

Pembinaan Mustahiq adalah suatu proses yang membantu mustahiq melalui usaha sendiri dalam rangka menemukan dan mengembangkan kemampuannya agar dia memperoleh kebahagiaan pribadi dan kemanfaatan sosial. Adanya pembinaan agar ketika diberi modal, mustahik bisa memaksimalkan dan mengembangkannya agar bisa meningkatkan ekonominya. Penelitian ini memiliki tujuan yang spesifik yakni untuk menganalisis pembinaan mustahik LAZ Zakat Sukses menggunakan pendekatan informative, partisipatif dan eksperiansial dan menganalisis manfaat yang diterima mustahik. Penelitian ini menggunakan kualitatif deksriptif dengan menggunakan teknik pengumpulan data  observasi, wawancara dan dokumentasi. Hasil dari penelitian ini menunjukkaan pembinaan yang dilakukan cukup baik jika dilihat dari alur pembinaan mulai dari informatif, partisipatif dan eksperensial. Kemudian manfaat yang diterima oleh mustahik juga sudah berjalan sebagaimana sebagaimana yang diharapkan. Mulai dari bertambahnya ilmu, meningkatnya usaha sampai meningkatnya spiritualitas mustahik.
Strategi Marketing Sertifikasi DAI MUI dan PP Addai dalam Meningkatkan Kompetensi DAI di Era Digital Apdil Abdilah; Muhamad Zen; Fatmawati Fatmawati
ULIL ALBAB : Jurnal Ilmiah Multidisiplin Vol. 3 No. 8: Juli 2024
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jim.v3i8.4326

Abstract

Dakwah sebagai proses untuk mengembalikan manusia kepada fitrahnya yaitu untuk berbuat kebaikan. Peningkatan kualitas dan kompetensi pendakwah harus perlu dilakukan dengan program sertifikasi dai sebagai wadah pembinaan bagi pendakwah sebelum terjun ke masyarakat menjadi seorang insan yang layak diteladani. Strategi marketing yaitu upaya menyebarkan informasi program ini kepada seluruh pendakwah di Indonesia. Atas capaian penelitian yang dilakukan dengan metode kualitatif, dengan ini akan dibahas bagaimana strategi marketing program sertifikasi dai MUI Pusat dan ADDAI. Strategi marketing ini tidak melulu soal keuntungan atau profit melainkan juga digunakan dalam mempromosikan program sertfikasi dai oleh MUI dan ADDAI yang merupakan organisasi atau wadah sosial keagamaan yang tidak mengharapkan keuntungan. Harapan MUI dan ADDAI adalah dapat melahirkan para pendakwah yang berkompeten, berkualitas, berwawasan luas dan berpendidikan yang baik. Strategi marketing yang cocok dan efisien pada era sekarang adalah pemanfaatan teknologi komunikasi internet dengan berbagai jenis dan macamnya. Dengan menggunakan media sosial maka akan membuahkan hasil yang lebih banyak, mudah dan tentunya cepat. Media sosial yang ada turut mempercantik diri dengan berbagai fitur nya yang menambah kemudahan bagi siapapun yang mengaksesnya.
Strategi Pemasaran Produk CWLS BWI Berbasis Dakwah Yang Diterapkan oleh PT Bank Muamalat Muhammad Farid Abi Ardiansyah; Muhamad Zen; Fatmawati
ULIL ALBAB : Jurnal Ilmiah Multidisiplin Vol. 3 No. 8: Juli 2024
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jim.v3i8.4364

Abstract

Penelitian ini bertujuan mengetahui Produk Cash Waqf Lingked sukuk dan Menganalisa Strategi Pemasaran pada Produk cash Waqf Lingked sukuk yang tepat ssehingga mampu memenangi persaingan. Inovasi dan kreasi yang di implementasikan oleh BWI terhadap produk wakaf sehingga menghasilkan CWLS yang peasarannya meibatkan Bank Muamalat Indonesia. Produk Cash Waqf Linked sukuk merupakan sarana investasi sosial yang disalurkan untuk pembangunan infrastruktur sarana dan prasarana mauquf alayh. Pendekatan penelitian yang digunakan pada penelitian ini adalah pendekatan kualitatif deskriptif. Hasil penelitian ini selain akan dianalisis secara kualitatif deskriptif. Hasil penelitian menunjukkan bahwa strategi yang digunakan oleh Bank Muamalat dalam pemasaran produk CWLS berada growth oriented strategy (Strategi Pertumbuhan). Strategi ini menandakan keadaan perusahaan yang kuat dan mampu untuk terus berkembang dengan mengambil kesempatan atau peluang yang ada untuk meraih omzet yang maksimal. Posisi sangat menguntungkan dan dapat dipasarkan secara maksimal dengan menerapkan kebijakan bauran pemasaran seperti kebijakan produk, kebijakan harga, kebijakan tempat dan kebijakan promosi yang mendukung pertumbuhan yang agresif dari produk Cash waqf linked sukuk.
Teori Al Amwal dan Kaitannya dengan Transaksi Syariah Al Amwal Al Batiniyyah, Al Zahiriyah, Al Am, dan Al Khas Robaiyadi, Robaiyadi; Zen, Muhamad
Al-Idaroh: Media Pemikiran Manajemen Dakwah Vol 5 No 1 (2025): Maret, Al-Idaroh: Media Pemikiran Manajemen Dakwah
Publisher : Program Studi Manajemen Dakwah Fakultas Dakwah dan Komunikasi Islam Institut Agama Islam (IAI) Al-Azhaar Lubuklinggau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53888/alidaroh.v5i1.825

Abstract

This study aims to determine how the theory of al-amwal relates to sharia transactions al amwal in fiqh muamalah al batiniyyah, al zahiriyah, al am, and al khas. The author uses a research approach library research method, which is a method that uses library sources such as books related to muamalah fiqh, journals, research results, and others related to the research topic. Amwal is a very important role in human life so that Islam has also provided learning about amwal from various forms, both in understanding, position and function, obtaining property and its utilization. As for the results of this study that the theory of al amwal in muamalah fiqh is widely explained by the scholars of the essence of property put forward by the majority of scholars and Hanafiyah scholars. According to the majority of scholars the property is not only material but also includes the benefits of an object. However, Hanafiyah scholars argue that what is meant by treasure is only material.
Monetization of Dai Kondang's Da'wah as an Islamic Marketing Strategy in Improving the Ummah's Economy in the Digital Age Kahfi, Al; Zen, Muhamad; Fatmawati, Fatmawati
Syi`ar Iqtishadi : Journal of Islamic Economics, Finance and Banking Vol 9, No 1 (2025)
Publisher : FEB Universitas Sultan Ageng Tirtayasa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35448/jiec.v9i1.32056

Abstract

The monetization of Islamic preaching in the digital era has rapidly expanded through the use of social media by popular preachers. This study aims to analyze how these preachers apply Islamic marketing strategies to monetize da'wah and its impact on their welfare, da'wah production teams, and the broader Muslim community. Using a descriptive qualitative method and literature study approach, this research explores monetization models such as digital advertising, sponsorship, premium memberships, crowdfunding, and the Marketing Mix 4P (Product, Price, Place, Promotion). The findings reveal that ethical monetization aligned with Islamic values can empower the ummah economically. Models emphasizing financial transparency and public benefit, such as crowdfunding and voluntary donations, are considered more in line with Islamic ethics than ad-based or exclusive paid content. However, balancing commercialization with spiritual integrity remains a challenge. Therefore, principles of Tawhid, Maslahah, Amanah, Adl, and Ihsan must guide da'wah monetization in the digital era.
Co-Authors Al Kahfi Apdil Abdilah Arif, Zainal Arsela, Mika Baharudin Ardani Bariek Azka Perdana Darmawati, Nia Eko Prabowo, Eko Fahmi, M. Fahmi Ashari Fatmawati Fatmawati Fatmawati Fatmawati Fatmawati Fatmawati Fatmawati, Fatmawati Handayani, Nur Annisa Tri Heny May Widiyawati Huzzatul Fikriyah Indah Fadhilla ISTIANAH Kahfi, Al M Gustar Umam M Zein Ramadhan Rifa’I M. Miftahur Rahmat Isnaini Mara Umar Muhamad Afdoli Ramadoni Muhammad Dzaki Hawari Muhammad Farid Abi Ardiansyah Muhammad Hafizul Aripin Muhammad Yudha Ardiansyah Murodhi, Difa Baladissalam nida arafat Nuha, Nuha Nabila Aswari Nuralim, Aip Nurul Fadilah Nurul Fadilah, Nurul Paula Sembiring Rahmi Nur Azizah Rhohis Kurniawan Robaiyadi, Robaiyadi Rubiyanah Rubiyanah Sabirin, Yoga Basyiril Siti Sofiah Rahmawati Siti Trizuwani Syahrizal Syihabudin, Zakaria Wahidin Wisnu Nugraha Yoga Agus Yulianto Zahira, Hasna