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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah TAMWIL: Jurnal Ekonomi Islam ZAWA:Management of Zakat and Waqf Journal Jurnal Ekonomi, Manajemen Pariwisata dan Perhotelan
Rizal Fahlefi
Unknown Affiliation
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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PEMBIAYAAN MUSYARAKAH DI PT. BPR SYARIAH AL-MAKMUR LIMBANANG Intan Purnama Sari; Rizal Rizal; Rizal Fahlefi
Tamwil Vol 5, No 1 (2019)
Publisher : IAIN Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (164.173 KB) | DOI: 10.31958/jtm.v5i1.2276

Abstract

This study aims to describe and understand the system of profit sharing for musyarakah financing. This study uses a qualitative descriptive type and field study research method by conducting interviews and documentation. The results of the study show that the profit sharing system applied by PT. BPR Syariah Al-Makmur uses revenue sharing, with profit sharing for banks calculated from the results of financing given divided by the total value of the project and multiplied by the estimated profit sharing ratio. The researcher concluded that the profit sharing system of Islamic banks as a whole was in accordance with the rules. The researcher suggested that banks use a profit sharing system, with the burden of costs being borne by banks and customers, so that there is a form of justice in musyarakah financing
Manajemen Pendistribusian Zakat Produktif Pada Badan Amil Zakat Nasional (BAZNAS) Kota Padang Panjang Amri Effendi; Widi Nopiardo; Rizal Fahlefi; Fitri Dayana
ZAWA: Management of Zakat and Waqf Journal Vol 1, No 2 (2021): ZAWA: MANAGEMENT OF ZAKAT AND WAQF JOURNAL
Publisher : IAIN Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/zawa.v1i2.5062

Abstract

Useful zakat is a zakat circulation model which can make mustahiq produce something persistently, with zakat resources that have been gotten. This review means to recognize and portray the dispersion of useful zakat conveyed by BAZNAS Padang Panjang City to the local area to increment mustahiq pay and to distinguish and depict the deterrents looked by BAZNAS Padang Panjang City in appropriating the useful zakat. The sort of exploration that scientists use is field examination or field research. The exploration strategy utilized is illustrative subjective technique. The circulation of useful zakat completed by BAZNAS Padang Panjang City depends on the Padang Panjang Makmur Program where the general execution has been working out positively. Be that as it may, BAZNAS Padang Panjang City is as yet encountering issues in the conveyance, remembering the absence of HR for overseeing mustahiq who get useful zakat, overall the mustahiq zakat in Padang Panjang City has gotten useful zakat, so from the SOP side of BAZNAS they deferred the dispersion due to mustahiq zakat. can just get zakat 1 (once) in 3 years except if their business encounters a catastrophe
Urgensi Sumber Daya Alam dalam Perspektif Ekonomi Islam Lara Aziza Putri; Rizal Fahlefi; Erliati Siregar
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 10 No 3 (2025)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v10i3.26641

Abstract

Penelitian ini bertujuan untuk mengkaji urgensi sumber daya alam (SDA) dalam perspektif ekonomi Islam melalui pendekatan deskriptif-analitis dan metode kualitatif. Data dikumpulkan melalui studi kepustakaan dari literatur-literatur yang relevan, kemudian dianalisis secara deduktif dan induktif untuk merumuskan konsep-konsep utama pengelolaan SDA dalam kerangka ekonomi Islam. Hasil penelitian menunjukkan bahwa dalam ekonomi Islam, sumber daya alam bukan sekadar aset ekonomi, tetapi merupakan amanah yang harus dikelola secara adil, berkelanjutan, dan berorientasi pada kemaslahatan umat. Pembahasan menekankan bahwa prinsip kepemilikan dalam Islam bersifat terbatas dan kolektif; oleh karena itu, eksploitasi SDA harus memperhatikan nilai keadilan sosial, perlindungan lingkungan, dan keseimbangan antar-generasi. Prinsip maqashid syariah menjadi dasar penting dalam pengelolaan SDA untuk menjamin keberlangsungan hidup manusia dan ekosistem. Penelitian ini memperkuat kajian-kajian sebelumnya bahwa paradigma ekonomi Islam menawarkan alternatif etis dan berkeadilan dalam pengelolaan sumber daya alam di tengah krisis ekologi dan ketimpangan distribusi.
Perspektif Ekonomi Islam terhadap Sistem Mato dalam Pembagian Keuntungan Rumah Makan Padang Sasra Dafit Akbar; Rizal Fahlefi; Miftahul Jannah; Ahmad Lutfi
Jurnal Ekonomi, Manajemen Pariwisata dan Perhotelan Vol. 5 No. 1 (2026): Januari: Jurnal Ekonomi, Manajemen Pariwisata dan Perhotelan
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jempper.v5i1.5988

Abstract

The mato system is a traditional profit-sharing model that has long been practiced in the management of Padang restaurants. This system reflects the values of justice, honesty, and collective cooperation, all of which are aligned with the principles of Islamic economics. However, in modern business settings, the mato system has gradually shifted toward a fixed-wage arrangement ijarah driven by managerial efficiency demands and business modernization. This study aims to examine the mato system from an Islamic economic perspective by highlighting its value transformation and relevance within contemporary business contexts. The research employs a Systematic Literature Review SLR combined with field-based case illustration from Padang restaurants in West Sumatra, particularly Rumah Makan Lamun Ombak. Data were obtained from scientific publications 2015–2025, official BPS reports, and supporting interview data. Thematic analysis was conducted to interpret core Sharia values such as ‘adl justice, ṣidq honesty, ta‘āwun cooperation, and shafāfiyyah transparency. The findings reveal that the shift away from the traditional mato system does not eliminate Islamic values; rather, it encourages the emergence of an adaptive model referred to as the Hybrid Islamic Profit-Sharing System HIPSS, which combines elements of musyarakah and ijarah. This model maintains a balance between economic certainty and distributive justice. The study concludes that revitalizing the foundational values of the mato system has the potential to enrich locally rooted Islamic economic practices in Indonesia.
Co-Authors Ahmad Lutfi Amri Effendi Erliati Siregar Fitri Dayana Intan Purnama Sari Lara Aziza Putri MIFTAHUL JANNAH Rizal Rizal Sasra Dafit Akbar Widi Nopiardo