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All Journal Majalah Ilmu Pengetahuan dan Pemikiran Keagamaan Tajdid International Journal of Zakat (IJAZ)
Desmadi Saharuddin
Universitas Islam Negeri Syarif Hidayatullah
Religion Humanities

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ISLAMIC PERSPECTIVE ON TOURISM AND ITS BENEFITS Firdaus Firdaus; Desmadi Saharuddin; Ilda Hayati
Majalah Ilmu Pengetahuan dan Pemikiran Keagamaan Tajdid Vol 23, No 1 (2020)
Publisher : Universitas Islam Negeri Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/tajdid.v23i1.1689

Abstract

Tourism has enormous benefits in Islam and even has a positive impact on One's faith. Tourism is a part of "maqashid" shari'a, which consists of preserving religion, soul, reason, descent (honor), and property. Tourism can even be covering all of these aspects of this "maqashid" because it is supported by the texts of the Qur'an and the Hadith, which show the virtues and benefits of the tour. By conducting a literature study, verifying data, and interpreting the Author using a descriptive analysis approach, it was found that tourism is a part of being related to all aspects of sharia maqashid, which have been done by previous peoples. Islam recommends pilgrimages to three places, namely Haram Mosque, Nabawi Mosque, and Aqsa Mosque. Islam also has signs in travel for Muslims and also for non-Muslims who enter Muslim territory. Non-Muslims come to Muslim countries not to commit immoral acts like those done in their countries. Still, they want to enjoy the beauty of nature and know the culture that exists so that Muslims do not need to provide facilities that are prohibited in Islam to support tourism.
When Zakat is Not Enough: Designing an Islamic Blended Microfinance Model for Asnaf Entrepreneurship Faisal Arief Kamil; Muhammad M. Said; Desmadi Saharuddin; Nur Hidayah
International Journal of Zakat Vol. 11 No. 1 (2026): International Journal of Zakat
Publisher : Center of Strategic Studies (PUSKAS) BAZNAS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37706/ijaz.v11i1.795

Abstract

PurposeThis study aims to develop an integrated financing model to strengthen the economic empowerment of asnaf in Indonesia and to address structural weaknesses in current zakat-based empowerment practices. Design/Methodology/ApproachThe study uses a qualitative conceptual and comparative approach. It analyzes existing zakat empowerment practices and synthesizes three theoretical frameworks. These frameworks are the microfinance schism between institutionalist and welfarist perspectives, institutional logics, and the Pentahelix collaboration model. FindingsThe study identifies a key paradox. National data show a link between entrepreneurship growth and poverty reduction, yet the share of zakat allocated to productive empowerment declined to 5.1 percent in 2025 Semester 1. Zakat institutions continue to prioritize short-term charitable programs. The main challenges include weak integration between zakat and waqf, limited long-term mentoring, and tension between market efficiency and socio-religious obligations to serve high-risk asnaf. To respond, the study proposes the Islamic Blended Microfinance Model. This model positions zakat and waqf as first-loss capital to absorb risk and enable Islamic microfinance institutions to mobilize commercial financing for asnaf who are currently unbankable. Research limitations/implicationsThe study is conceptual and does not test the model empirically. Future research can apply the model in pilot programs and evaluate its impact on income growth, business sustainability, and graduation from mustahik to muzakki. Practical implicationsThe model offers a clear policy blueprint for BAZNAS, BWI, and Islamic microfinance institutions to shift from charity-based disbursement toward structured capacity-building and risk-sharing financing schemes. Social implicationsThe proposed model strengthens the role of Islamic social finance in sustainable poverty reduction. It supports inclusive entrepreneurship and expands access to financing for vulnerable groups who are excluded from formal financial systems. Originality/valueThis study introduces an original integrative model that connects zakat, waqf, and Islamic microfinance within a blended finance and Pentahelix governance framework. It contributes a new conceptual foundation for aligning Islamic social finance with long-term development and empowerment goals.
Co-Authors Faisal Arief Kamil Firdaus Firdaus Ilda Hayati Muhammad M. Said Nur Hidayah