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All Journal Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Muhammad Wanto
Unknown Affiliation
Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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Implementasi Akad Produk Tabungan Rencana di PT. Bank Syariah Mega Indonesia Gallery Cianjur Muhammad Wanto
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 5, No 1 (2014): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (374.933 KB) | DOI: 10.18326/muqtasid.v5i1.75-97

Abstract

Mudharabah savings is one product collector of funds applied to PT. BankSyariah Mega Indonesia Gallery Cianjur which one is the product SavingsPlan. On the product Savings Plan in PT. Bank Syariah Mega Indonesia GalleryCianjur use mudharabah product and in doing transactions through bookSavings Savings Plan Home / parent who uses contract wadiah. That mechanism Savings Plan held by PT. Bank Syariah Mega IndonesiaGallery Cianjur is (1) Fill out the application form Individual customers /Institutions; (2) Fill out the contract form wadiah (primary Savings); (3) Fillout the deposit slip early; (4) Fill out the form mudharabah (Savings Plan); (5)Customer Savings Plan (mudharabah) regularly to conduct the transactionto go through Main Savings account book / parent use wadiah agreement;(6) Facilities Savings Plan that is certified as proof of ownership savingsand checking account books as a book report. Legal basis in the productSavings Plan (mudharabah) No DSN. 02/DSN­MUI/IV/2000 on Saving.In perspective muamalah two covenants in the transaction was prohibited.In practice the contract products Savings Plan (mudharabah) it looks likethere are two covenants in the transaction, the results of that research in thecontract mechanism problems Savings Plan product in PT. Bank SyariahMega Indonesia Gallery Cianjur is procedural only from banks and are inaccordance with the fatwa of DSN No.02 and there are no violations in fikihmuamalah.
Kajian Ilmiah: Kontribusi Dana Zakat dalam Program BAZNAS Microfinance Desa terhadap Kesejahteraan Mustahik Muhammad Wanto
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 10 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i10.9626

Abstract

Micro-enterprises are small businesses, and poverty in Indonesia is closely linked to their existence. Micro-enterprises face major challenges with capital. It's not uncommon for micro-enterprises to increase their capital to meet their daily needs. Therefore, when there are competing needs, whether for household or business needs, capital needs are usually impacted, and business activities can be temporarily halted. The purpose of this study was to collect and analyze data from articles related to the role of BAZNAS Village Microfinance in the welfare of mustahik (recipients of wealth). The method used in this study was qualitative with the aid of descriptive content analysis. Through a literature review, the author concluded that BAZNAS Village Microfinance plays an effective role in transforming mustahik into muzakki (recipients of wealth) through various strategies, including financial assistance and mentoring for business development. This program improves economic welfare by utilizing zakat funds for empowerment activities, improving their businesses, and providing market access support. It helps beneficiaries effectively promote their products, contributing to poverty reduction and minimizing social inequality.
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