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Pendistribusian Dana Zakat, Infaq, Shadaqah, Dan Wakaf (Ziswaf) Dalam Pemulihan Daerah Pasca Bencana Erupsi Gunung Semeru Suprayitno, Eko; khusnudin, Khusnudin; Priyono, Edi
Jurnal Ilmiah Ekonomi Islam Vol 10, No 2 (2024): JIEI : Vol.10, No.2, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i2.12640

Tujuan dari penelitian ini adalah untuk mengetahui bagaimana pola dan implementasi pendistribusian dana ZISWAF dalam rangka pemulihan daerah pasca bencana erupsi gunung semeru. Penelitian ini menggunakan pendekatan kualitatif, dengan pengumpulan data melalui wawancara, observasi, dan dokumentasi serta melakukan uji validitas melalui triangulasi sumber dan teknik. Analisa datanya melalui tiga tahap: reduksi data, penyajian data, dan penarikan kesimpulan. Dari hasil penelitian menunjukkan bahwa terdapat pelaksanaan program yang berjalan dengan baik di BAZNAS Lumajang. Hal ini dapat dilihat dari hasil yang telah dapat dirasakan oleh masyarakat setelah pelaksanaan program, mulai dari tahap awal penanggulangan sampai dengan pemulihan. Disamping itu, terjalinnya kerjasama dan sinergi antara pemerintah daerah, DPRD dan Baznas dalam upaya pemulihan pasca bencana tersebut. Sehingga Program-program yang dilaksanakan bisa saling mengisi, terintegrasi dan berdampak luas kepada masyarakat

Harmonizing Social and Religious Values in Sharia Economic Practices Fachrozi, Fachrozi; Khusnudin, Khusnudin
Al-Infaq: Jurnal Ekonomi Islam Al-Infaq: Jurnal Ekonomi Islam, Vol. 15, No. 2 (2024)
Publisher : Fakultas Agama Islam Universitas Ibn Khaldun Bogor, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32507/ajei.v1i2.3141

This study aims to explore the harmonization of social and religious values within Sharia economic practices, focusing on the Indonesian context. The objective is to understand how these values can be integrated into everyday economic activities to promote ethical behavior and community welfare. Utilizing a systematic literature review (SLR) methodology, the research synthesizes various academic sources to identify key themes, trends, and insights. The thematic analysis reveals that education and awareness are crucial in fostering a Sharia-compliant economic environment. The findings highlight the significant role of Islamic finance in aligning financial practices with social values such as equity and justice, which are essential for community development. Additionally, the research identifies challenges, including diverse religious interpretations and limited awareness, which hinder the growth of Islamic economics in a pluralistic society. The study concludes that targeted educational initiatives and robust regulatory frameworks are necessary to facilitate the acceptance and effectiveness of Sharia economic practices.

FENOMENA PEMBIAYAAN BAGI HASILPADA BMT UGT NUSANTARA DI PASURUAN Soleh, Badrus; Ridwan, Muhtadi; Khusnudin, Khusnudin
JURNAL ILMIAH EDUNOMIKA Vol 8, No 4 (2024): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v8i4.16167

This research aims to analyze the obstacles that are factors in the lack of profit sharing financing at BMT UGT Nusantara. This research uses a qualitative approach with phenomenological methods to examine the process of determining financing schemes, implementing profit sharing financing and identifying the causes of the lack of profit sharing financing at BMT UGT Nusantara. Data collection was carried out through in-depth interviews with informants such as financial managers, business managers, branch heads, account officers and members of BMT UGT Nusantara. Apart from that, field observations and analysis of financing documents were also carried out to obtain a comprehensive picture. Data analysis was carried out using three analytical steps suggested by Miles and Huberman (2007), namely data reduction, data exposure and conclusion drawing or verification. The results of this research indicate that determining the financing scheme is the internal authority of BMT UGT Nusantara with the knowledge and approval of members. Financing with a profit sharing scheme is only used for companies that are already established, while small businesses use non-profit sharing financing. The lack of financing with a profit sharing scheme is due to several obstacles such as high risk, quality of human resources, asymmetric information, moral hazard, minimal understanding of members and member preferences.

IMPLEMENTASI UANG DIGITAL (E-MAAL) SEBAGAI UPAYA EFEKTIFITAS KEUANGAN SANTRI (STUDI DI PONDOK PESANTREN SIDOGIRI) Zulmi, Nizar; Munir, Misbahul; Khusnudin, Khusnudin
JURNAL ILMIAH EDUNOMIKA Vol. 9 No. 1 (2025): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar

The trend phenomenon of using electronic money in digital payments has become a step towards digital transformation in the field of finance. Easier, more transparent financial services that align with Islamic principles are driving Sidogiri Islamic boarding school to innovate with the goal of achieving the school's independence. This research aims to analyze the implementation of digital money (e-Maal) at Sidogiri Islamic boarding school and to assess its implementation effectiveness at Sidogiri Islamic boarding school. The method used is qualitative research by collecting data through observation, interviews, and direct fieldwork. The differences between this research and previous studies are the sample, implementation results, and detailed explanations related to the implementation as well as the effectiveness factors in its application. The research results show that the implementation of digital money (e-Maal) at Sidogiri Islamic boarding school began in 2017 and has continuously developed, showing effective results in its application. The implications of this research indicate that the implementation of digital money can also be applied to other Islamic boarding schools.

ZAKAT AS A SUPPORTING STATE REVENUE AND EXPENDITURE BUDGET FOR TAXES Sandy, Niken Baramurti Evieta Enggar; Khusnudin, Khusnudin
Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Vol. 9 No. 01 (2025): Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam
Publisher : Sekolah Tinggi Agama Islam Al Hidayah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30868/ad.v9i01.7731

This research discusses instruments that can support state revenues apart from taxes in the State Revenue and Expenditure Budget (APBN). Taxes, which are the main source of state income, are in reality still unable to fulfill the APBN, which ultimately has not been able to overcome economic problems in Indonesia, such as the problem of poverty. As a country with the largest Muslim population in the world, one of the instruments that can support the APBN in Indonesia is zakat. This research uses a qualitative research method with a secondary research approach. The aim of this research is to identify other instruments that can replace taxes in supporting the APBN, in this case, Zakat. The results of this research show that zakat cannot completely replace taxes as a supporting instrument for the APBN, due to limitations in its distribution. However, taxes and zakat can go hand in hand to fill each other's gaps and deficiencies in meeting the needs of the State and improving the welfare of society. The difference between this research and similar previous research is that this research discusses other alternative instruments that can help support the APBN apart from taxes. Academically, this research can enrich the literature in the field of public economics by providing a deeper understanding of sources of state income outside of taxes. Meanwhile, practically, this research can provide policy recommendations for the relevant government on optimizing sources of state income other than taxes to increase the sustainability of the APBN.

Business Model Canvas dalam Tinjauan Ekonomi Islam Rinawati, Ika; Khusnudin, Khusnudin
DIALEKTIKA: Jurnal Ekonomi dan Ilmu Sosial Vol 10 No 1 (2025): Dialektika: Jurnal Ekonomi dan Ilmu Sosial
Publisher : Prodi Manajemen Fakultas Ekonomi dan Bisnis Universitas Islam Raden Rahmat Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36636/dialektika.v10i1.6187

Business Model Canvas (BMC) seems to be in accordance with the demands of the times as a form of innovation in business, this is in accordance with Islamic guidance. This study aims to explain the nine basic blocks in BMC according to the perspective of Islamic economics. The methodology used is library research with a normative approach, analyzing various literature and documents related to BMC in accordance with the book entitled Business Model Generation and Islamic business documents and literature in accordance with the Qur'an and Hadith. The analysis was carried out on the suitability of the characteristics of the nine basic blocks with the normative rules Qur'an and Hadith. The results of this study explain the Islamic economic review of the nine basic blocks of BMC, including: customer segment (determining market segments), value proposition (creating consumer benefits), channel (speed and accuracy of delivery), consumer relationship (not committing ba'i prohibitions), revenue stream (how to obtain wealth and utilize it), key resources (utilization of resources), key activities (realizing noble attitudes), key partnership (maintaining relationships with partners) and cost structure (managing finances fairly).

The Development Of Halal Literacy In Indonesia From Tradition To Modernity Haryanti, Peni; Khusnudin, Khusnudin
At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Vol 10, No 2 (2024): DESEMBER 2024
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/tijaroh.v10i2.14105

This study explores the historical development of halal literacy in Indonesia, from traditional oral transmission by religious leaders to a modern, structured system. Halal knowledge was shared informally through religious teachings and local customs in the early stages. However, globalization and the rise of the halal economy have transformed halal literacy into a formal system. This shift is marked by establishing the Badan Penyelenggara Jaminan Produk Halal (BPJPH) and integrating digital technology into the halal certification process. The study highlights key challenges in promoting halal literacy, such as limited public awareness of halal products beyond food and restricted access to halal certification for small and medium enterprises (SMEs). Despite these challenges, Indonesia has significant potential to become a global leader in the halal market through technological innovation, enhanced education, and government support. This research aims to provide a deeper understanding of the importance of halal literacy in the daily lives of Indonesian Muslims and its role in the future development of the halal industry.

Hybrid Contract pada Syariah Card dalam Perspektif Ekonomi Islam Khusnia, Chinta; Khasanah, Umrotul; Khusnudin, Khusnudin; Hisnidah, Mukaromatul
Adzkiya : Jurnal Hukum dan Ekonomi Syariah Vol 13 No 1 (2025): Adzkiya: Jurnal Hukum dan Ekonomi Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Meto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/adzkiya.v13i1.8567

The development of Islamic finance by following today's technology must be considered carefully. need for special attention. The use of technology in Islamic finance is a very significant challenge in adjusting Islamic economic law with implementation in the field. One way to face the current challenges is none other than by following the market share, namely by creating a balance model in transactions. Hybrid Contract (Multi Akad) is a new breakthrough in the application of fiqh muamalah in the contemporary era in Islamic finance. In today's modern era, people tend to prefer using non-cash transactions, one of which is transactions through Sharia cards. This article examines the application of Hybrid contracts to the use of Sharia cards using the literature study research method. The data collection technique is to examine theories or opinions and ideas contained in printed media, especially books and articles or journals that support and are relevant to the issues discussed in the study. The purpose of this study is to analyze the legal theory in the perspective of muamalah fiqh in Islamic economics related to the use of Sharia cards using descriptive library research. By drawing the conclusion that every muamalah activity is permissible as long as there is no law prohibiting it as well as hybrid contract contracts or multi-contracts on Sharia products. Sharia Card is allowed by using kafalah, ijarah, and qardh contracts in it and there is a DSN MUI Fatwa No. 54/DSN-MUI/X/2006 regarding sharia cards: 54/DSN-MUI/X/2006 regarding sharia cards (sharia credit cards) that regulate their use.

Hybrid Contract pada Syariah Card dalam Perspektif Ekonomi Islam Khusnia, Chinta; Khasanah, Umrotul; Khusnudin, Khusnudin; Hisnidah, Mukaromatul
Adzkiya : Jurnal Hukum dan Ekonomi Syariah Vol 13 No 1 (2025): Adzkiya: Jurnal Hukum dan Ekonomi Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Meto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/adzkiya.v13i1.8567

The development of Islamic finance by following today's technology must be considered carefully. need for special attention. The use of technology in Islamic finance is a very significant challenge in adjusting Islamic economic law with implementation in the field. One way to face the current challenges is none other than by following the market share, namely by creating a balance model in transactions. Hybrid Contract (Multi Akad) is a new breakthrough in the application of fiqh muamalah in the contemporary era in Islamic finance. In today's modern era, people tend to prefer using non-cash transactions, one of which is transactions through Sharia cards. This article examines the application of Hybrid contracts to the use of Sharia cards using the literature study research method. The data collection technique is to examine theories or opinions and ideas contained in printed media, especially books and articles or journals that support and are relevant to the issues discussed in the study. The purpose of this study is to analyze the legal theory in the perspective of muamalah fiqh in Islamic economics related to the use of Sharia cards using descriptive library research. By drawing the conclusion that every muamalah activity is permissible as long as there is no law prohibiting it as well as hybrid contract contracts or multi-contracts on Sharia products. Sharia Card is allowed by using kafalah, ijarah, and qardh contracts in it and there is a DSN MUI Fatwa No. 54/DSN-MUI/X/2006 regarding sharia cards: 54/DSN-MUI/X/2006 regarding sharia cards (sharia credit cards) that regulate their use.

HISTORY OF MARKETS, HISBAH AND ITS IMPLEMENTATION IN THE ERA OF THE PROPHET SAW UNTIL MODERN TIMES Mukhtar, Muhammad Naufal; Khusnudin, Khusnudin
JURNAL PROFIT Vol 8, No 2 (2024): Economic and Financing
Publisher : Nurul Jadid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/profit.v8i2.11840

Abstract This study aims to explore the historical development and contemporary implementation of hisbah—the Islamic institution of market supervision—from the era of Prophet Muhammad SAW to the modern context. Employing a qualitative approach through historical-normative library research, this study analyzes primary sources including the Qur'an, Hadith, and classical Islamic texts, as well as secondary data from scholarly journals, books, and institutional reports. The research focuses on the conceptualization of markets in Islam, the establishment of hisbah as a regulatory institution, and its transformation in response to modern economic governance. Findings reveal that the Islamic market, as structured by the Prophet SAW, was founded on principles of justice, transparency, and public welfare, with hisbah functioning as a moral safeguard against fraud, exploitation, and market distortion. The role of the muhtasib (market inspector) historically ensured ethical compliance in economic transactions. In contemporary times, while formal hisbah institutions have diminished, their ethical foundations are echoed in various regulatory bodies such as consumer protection agencies and Islamic financial authorities. This research contributes to Islamic economic literature by reaffirming the relevance of hisbah in modern economic systems and highlighting the need for ethical reintegration in market policies. The study suggests further empirical research on the institutional adaptation of hisbah values in different national contexts to support the development of equitable and morally grounded market systems.

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