Garuda - Garba Rujukan Digital

Analisis Maqashid Syariah terhadap Perilaku Konsumsi dari Pengguna Gaya Hidup Frugal Living Muhammad Farhan Bagja Naufal; Neneng Nurhasanah; Intan Nurrachmi
Bandung Conference Series: Sharia Economic Law Vol. 4 No. 2 (2024): Bandung Conference Series: Sharia Economic Law
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssel.v4i2.13610

Abstract. The frugal living lifestyle that is now developing in the midst of Indonesia has reaped pros and cons that can be seen from several news in the mass media. If frugal living is followed by people who only follow the trend or do not understand about wise financial management, it will lead to the wrong lifestyle and can cause new problems that lead to moving away from the guidance of Islamic law. This study aims to analyze how consumption behavior and analyze sharia maqashid on the consumption behavior of frugal living lifestyle users. This study uses a qualitative method with a normative juridical approach, as well as using data collection techniques through literature studies, interviews, and documentation. The results of the study show that the known consumption behavior of frugal living users is divided into 2 types, namely frugal living who manage their finances to meet their primary needs and frugal living who manage their finances to achieve secondary or tertiary needs by reducing primary needs. The analysis of maqashid sharia on the consumption behavior of frugal living users, in the first group, shows that the consumption behavior is in accordance with the perspective of maqashid shari'ah, because in terms of Hifdz Al-Din, Hifdz Al-Nafs, Hifdz Al-'Aql, and Hifdz Al-Mal have been fulfilled. Meanwhile, for the second group, it shows a disagreement with the perspective of maqashid shari'ah because Hifdz Al-din, Hifdz Al-Nafs, and Hifdz Al-Mal have not been fulfilled. This can have an impact on the emergence of madadharat in the form of obsession with desires, stinginess for oneself and others, and causing the person to be excluded from the circle of friends. Abstrak. Gaya hidup frugal living (gaya hidup hemat) yang kini sedang berkembang di tengah masyarakat Indonesia menuai perbincangan pro dan kontra yang terlihat dari beberapa berita di media massa. Apabila frugal living diikuti oleh orang-orang yang hanya mengikuti tren atau belum memahami tentang pengelolaan keuangan yang bijak akan mengarah kepada gaya hidup yang salah dan dapat menimbulkan permasalahan baru yang berujung menjauh dari tuntunan syariat Islam. Penelitian ini bertujuan untuk menganalisis bagaimana perilaku konsumsi dan menganalisis maqashid syariah terhadap perilaku konsumsi dari pengguna gaya hidup frugal living. Penelitian ini menggunakan metode kualitatif dengan pendekatan yuridis normative, serta menggunakan teknik pengumpulan data melalui studi Pustaka, wawancara, dan dokumentasi. Hasil penelitian menunjukkan bahwa perilaku konsumsi yang diketahui dari pengguna frugal living terbagi menjadi 2 macam, yakni frugal living yang mengelola keuangannya untuk memenuhi kebutuhan primer dan frugal living yang mengelola keuangannya untuk mencapai kebutuhan sekunder atau tersier dengan mengurangi kebutuhan primer. Analisis maqashid syariah terhadap perilaku konsumsi pengguna frugal living, pada kelompok pertama menunjukkan perilaku konsumsi telah sesuai dengan perspektif maqashid syari’ah, sebab dari segi Hifdz Al-Din, Hifdz Al-Nafs, Hifdz Al-‘Aql, dan Hifdz Al-Mal sudah terpenuhi. Sedangkan, untuk kelompok kedua menunjukan ketidaksesuaian dengan perspektif maqashid syari’ah sebab Hifdz Al-din, Hifdz Al-Nafs, dan Hifdz Al-Mal belum terpenuhi. Hal tersebut dapat berdampak kepada timbulnya kemadharatan berupa obsesi terhadap keinginan, sikap pelit bagi diri sendiri maupun orang lain, serta menimbulkan tersisihnya orang tersebut dari lingkungan pertemanan.

Analisis Fikih Muamalah terhadap Praktik Multi Akad pada Tabugan Paket Lebaran di Kampung Tugu Laksana Geugeut Kinasih Wahyuni; Panji Adam Agus Putra; Intan Nurrachmi
Bandung Conference Series: Sharia Economic Law Vol. 4 No. 2 (2024): Bandung Conference Series: Sharia Economic Law
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssel.v4i2.13654

Abstract. This research was carried out with the aim of analyzing the implementation of hybrid-contract practices on savings packages in Kampung Tugu Laksana. The method used in this research is a qualitative case study method that is empirical. The data collection technique is carried out through observations and interviews with sources related to the topics studied, such as business owners/providers and members of the program of savings savings in Kampung Tugu laksana. The results of this study show that in practice, the Eid package savings in Kampung Tugu Laksana combine three contracts into one transaction; these contracts include wadi'ah, qardh, and ba'i contracts. The merger of the three contracts based on the analysis of muamalah fiqh is a fasid (damaged) contract because there are conditions that have not been fulfilled in the ba'i contract, namely conditions related to the clarity and certainty of the price and quality of goods, so that it causes light gharar (khofi). And there is an additional fee on loan repayment (qardh) of 3.5% as a service fee that can be hilah ribawi. Thus, the merger between the wadi'ah, ba'i, and qardh contracts in the practice of saving Eid packages in Kampung Tugu Laksana based on the analysis of muamalah fiqh is declared invalid and is a fasid (damaged) contract. Abstrak. Penelitian ini dilakukan dengan tujuan untuk menganalisis pelaksanaan praktik multi akad pada tabungan paket lebaran di Kampung Tugu Laksana ditinjau berdasarkan fikih muamalah. Metode yang digunakan pada penelitian ini merupakan metode kualitatif studi kasus yang bersifat empiris. Teknik pengumpulan data dilakukan melalui observasi dan wawancara bersama nara sumber yang berkaitan dengan topik yang diteliti, seperti pemilik usaha dan anggota program tabungan lebaran di Kampung Tugu Laksana. Hasil penelitian ini menunjukkan bahwa pada praktiknya, tabungan paket lebaran di Kampung Tugu Laksana ini menggabungkan tiga akad dalam satu transaksi, akad-akad tersebut diantaranya adalah akad wadi’ah, qardh dan ba’i. Adapun penggabungan ketiga akad tersebut berdasarkan analisis fikih muamalah merupakan akad yang fasid (rusak) karena terdapat syarat yang belum terpenuhi pada akad ba’i yaitu syarat yang berkenaan dengan kejelasan/kepastian harga dan kualitas barang sehingga menimbulkan gharar ringan (khofi). Serta terdapat tambahan biaya pada pengembalian pinjaman (qardh) sebesar 3,5% sebagai biaya jasa yang dapat menjadi hilah ribawi. Dengan demikian, penggabungan antara akad wadi’ah, ba’i, dan qardh pada praktik tabungan paket lebaran di Kampung Tugu Laksana berdasarkan analisis fikih muamalah dinyatakan tidak sah dan merupakan akad yang fasid (rusak).

Analisis Fikih Muamalah terhadap Keabsahan Multi Akad dalam Implementasi Produk Gadai Emas Ivana Nurul Zahra; Neneng Nurhasanah; Intan Nurrachmi
Bandung Conference Series: Sharia Economic Law Vol. 4 No. 2 (2024): Bandung Conference Series: Sharia Economic Law
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssel.v4i2.13689

Abstract. Hybrid contract is one of the innovations in the activities of Islamic financial institutions to meet the financial needs of the community. Hybrid contracts are widely applied by Islamic financial institutions to their products, one of the products that uses hybrid contracts is the gold pawn product in which there is a merger of several contracts, namely rahn, ijarah, and qard. In practice, hybrid contract is still a discussion and debate among scholars, there are two different opinions regarding hybrid contract, some scholars argue that hybrid contract is permissible and some other scholars prohibit it with reference to the hadith that prohibits the combination of bai and salaf. This study aims to determine the implementation of hybrid contract in gold pawn products in Islamic financial institutions and analyze it from the fiqh of muamalah. The method used in this study is a qualitative method with a normative juridical approach sourced from primary data from interview results and secondary data from various relevant literature. The results of this study conclude that (1) the implementation of hybrid contract in gold pawn products in Islamic financial institutions - Islamic banking, sharia pawnshops and BMT use the same contract, namely rahn, ijarah and qard. The difference is only in the technicalities such as the amount of costs, term and nominal loan amount. (2) Hybrid contract on gold pawn products in the three financial institutions has been in accordance with muamalah fiqh. Abstrak. Multi akad merupakan salah satu inovasi dalam aktivitas lembaga keuangan syariah untuk memenuhi kebutuhan keuangan masyarakat. Multi akad banyak diterapkan oleh lembaga keuangan syariah pada produk-produknya, salah satu produk yang menggunakan multi akad adalah produk gadai emas yang didalamnya terdapat penggabungan beberapa akad yaitu rahn, ijarah, dan qard. Dalam praktiknya multi akad masih menjadi perbincangan dan perdebatan dikalangan para ulama, terdapat dua pendapat yang berbeda mengenai multi akad, sebagian ulama berpendapat bahwa multi akad hukumnya boleh dan sebagian ulama lain mengharamkannya dengan acuan terhadap hadis yang mengharamkan atas penggabungan bai dan salaf. Penelitian ini bertujuan untuk mengetahui implementasi multi akad pada produk gadai emas dilembaga keuangan syariah dan menganalisisnya dari menurut fikih muamalah. Metode yang digunakan dalam penelitian ini yaitu metode kualitatif dengan pendekatan yuridis normatif yang bersumber dari data primer berasal dari hasil wawancara dan data sekunder berasal dari berbagai literatur yang relevan. Hasil penelitian ini menyimpulkan bahwa (1) implementasi multi akad pada produk gadai emas dilembaga keuangan syariah - perbankan syariah, pegadaian syariah dan BMTmenggunakan akad yang sama yaitu rahn, ijarah dan qard. Perbedaannya terdapat dalam teknis saja seperti jumlah biaya, jangka waktu dan nominal pinjaman. (2) multi akad pada produk gadai emas di tiga lembaga keuangan tersebut telah sesuai dengan fikih muamalah.

Tinjauan Etika Bisnis Islam pada Pembulatan Timbangan Praktik Jasa Laundry Dayklin di Kota Cimahi Muhammad Celvin Julian Soza; Iwan Permana; Intan Nurrachmi
Bandung Conference Series: Sharia Economic Law Vol. 4 No. 2 (2024): Bandung Conference Series: Sharia Economic Law
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssel.v4i2.14547

Abstract. The business world, particularly in the service sector, is growing rapidly, including laundry services, which are widely used by the public. In its operations, laundry businesses often need to measure the weight of dirty clothes for washing, where rounding off the scale becomes an issue affecting business fairness and transparency. In the context of Islam, there is Islamic Business Ethics, which emphasizes honesty, justice, and fairness in business transactions. This research analyzes the practice of rounding off scales at Laundry Dayklin in Cimahi City based on Islamic Business Ethics. The methodology used is a qualitative approach through case studies, allowing for in-depth descriptive analysis and exploration of Islamic business ethics values and principles. Data was collected directly through observations, interviews, and documentation. The research results indicate that the practice of rounding off scales at Laundry Dayklin does not align with Islamic Business Ethics, as it potentially harms consumers by unfairly raising service prices. This practice is considered deceitful and dishonest in Islam. However, if the rounding is communicated to consumers in advance, the principle of رضا (rida) can be achieved, making consumers feel fair and not disturbed by the principle of attawazun (balance). In conclusion, the practice of rounding off scales at Laundry Dayklin does not align with Islamic Business Ethics. It is recommended that Laundry Dayklin management evaluate this practice and implement a more transparent and fair system so that the principles of Islamic Business Ethics can be fully applied. Abstrak. Pertumbuhan dunia usaha, khususnya di sektor jasa, semakin pesat, termasuk jasa laundry yang banyak dimanfaatkan masyarakat. Dalam operasionalnya, usaha laundry sering kali harus mengukur berat pakaian kotor untuk dicuci, di mana pembulatan timbangan menjadi isu yang mempengaruhi keadilan dan transparansi bisnis. Dalam konteks Islam, terdapat Etika Bisnis Islam yang menggarisbawahi kejujuran, keadilan, dan fairness dalam transaksi bisnis. Penelitian ini menganalisis praktik pembulatan timbangan pada Laundry Dayklin di Kota Cimahi dengan acuan Etika Bisnis Islam. Metodologi yang digunakan adalah pendekatan kualitatif melalui studi kasus, memungkinkan analisis deskriptif mendalam dan eksplorasi nilai serta prinsip etika bisnis Islam. Data dikumpulkan secara langsung melalui observasi, wawancara, dan dokumentasi. Hasil penelitian menunjukkan bahwa praktik pembulatan timbangan di Laundry Dayklin tidak sesuai dengan Etika Bisnis Islam, karena berpotensi merugikan konsumen dengan menaikkan harga jasa secara tidak adil. Praktik ini dianggap curang dan tidak jujur dalam Islam. Namun, jika pembulatan diinformasikan kepada konsumen terlebih dahulu, asas رضا (rida) dapat tercapai sehingga konsumen merasa adil dan tidak terganggu dengan prinsip attawazun (keseimbangan). Kesimpulannya, praktik pembulatan timbangan di Laundry Dayklin tidak sejalan dengan Etika Bisnis Islam. Disarankan agar manajemen Laundry Dayklin mengevaluasi praktik ini dan menerapkan sistem yang lebih transparan dan adil agar prinsip Etika Bisnis Islam dapat diterapkan sepenuhnya.

Pengaruh Literasi Keuangan Syariah terhadap Minat untuk Produk Deposito pada Bank Syariah Indonesia Kantor Cabang Garut Wanda Puspita Sari; Eprianti, Nanik; Nurrachmi, Intan
Bandung Conference Series: Syariah Banking Vol. 3 No. 2 (2024): Bandung Conference Series: Syariah Banking
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssb.v3i2.14407

Abstract. The deposit product at Bank Syariah Indonesia Garut Branch Office, judging by the number of customers, is the lowest compared to other funding products. This is what makes researchers interested in research because they want to know the lack of sharia financial literacy or lack of interest. The aim of this research is to determine the simultaneous and significant influence of Islamic financial literacy on interest in deposit products at the Indonesian Islamic Bank, Garut branch office. The research method used in this research is quantitative with a descriptive approach with a Likert scale and the Slovin formula, with linear regression analysis techniques. Based on the results of the partial test for Sharia Financial Literacy, t count < t table 1,921 > 2.365 with a significance value of 0.05 = 0.05, meaning that Sharia financial literacy has a significant effect on interest in deposit products. Simultaneous test analysis shows that the Sharia Financial Literacy variable has a value The calculated F is 3,692, which exceeds the F table value of 3.09 (calculated F > F table). These results indicate that the independents together have a significant effect on the dependent. These findings confirm the significance of the influence of the variable of interest, so the null hypothesis (H₀) is rejected and the alternative hypothesis (H₁) is accepted Abstrak. Produk deposito pada Bank Syariah Indonesia Kantor Cabang Garut dilihat dari jumlah nasabah merupakan yang paling rendah dibandingkan produk Funding lainnya. Hal ini yang menjadikan peneliti tertarik untuk meneliti dikarenakan ingin mengetahui kurangnya literasi keuangan syariah atau kurangnya minat. Tujuan penelitian ini untuk mengetahui pengaruh secara simultan dan signifikan literasi keuangan syariah terhadap minat untuk produk deposito pada bank syariah indonesia kantor cabang garut. Metode penelitian ini digunakan dalam penelitian ini yaitu kuantitatif dengan pendekatan deskriptif dengan skala likert serta rumus slovin, dengan teknik analisis analisis regresi linier. Berdasarkan hasil Uji parsial untuk Literasi Keuangan Syariah t hitung < t tabel 1.921 < 2,365 dengan nilai signifikasi 0,05 = 0,05, artinya literasi keuangan syariah berpengaruh secara signifikan terhadap Minat untuk produk Deposito Analisis uji simultan menunjukkan bahwa variabel Literasi Keuangan Syariah memiliki nilai F hitung sebesar 3.692, yang melebihi nilai F tabel 3,09 (F hitung > F tabel). Hasil ini mengindikasikan independen bersama-sama berpengaruh signifikan terhadap dependen. Temuan ini mengonfirmasi signifikansi pengaruh variabel minat, sehingga hipotesis nol (H₀) ditolak dan hipotesis alternatif (H₁) diterima. Kata Kunci: Literasi Keuangan Syariah, Deposito, Minat

Analisis SWOT terhadap Baitulmaal Muamalat (BMM) Jabar Nurrachmi, Intan; Trie, Cheira Baby; Taufik, Muhammad; Azzahra, Putri
Jurnal Riset Ekonomi Syariah Volume 4, No. 2, Desember 2024 Jurnal Riset Ekonomi Syariah (JRES)
Publisher : UPT Publikasi Ilmiah Unisba

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/jres.v4i2.4626

Abstrak. Pada masa Rasulullah SAW, di Baitul Maal belum ada tempat untuk menyimpan harta kekayaan yang diperoleh negara, karena pada saat itu harta kekayaan yang diperoleh tidak banyak dan harta kekayaan tersebut juga rencananya akan segera dibagikan kepada masyarakat. Salah satu cara untuk meningkatkan jumlah donatur dan nominal dana yang dihimpun adalah dengan menerapkan strategi pemasaran yang tepat dan menarik. Strategi pemasaran merupakan ciri reputasi lembaga keuangan. Semakin banyak pelanggan yang diperoleh, semakin banyak produk yang akan disalurkan melalui lembaga keuangan. Tujuan penelitian ini untuk menganalisis serta mengidentifikasikan faktor internal maupun eksternal yang mempengaruhi keberhasilan strategi pemasaran pada setiap produk yang dilakukan oleh Baitul Maal Muammalat dengan menggunakan analisis SWOT (Strength, Weakness, Opportunity, dan Threat) dalam menghimpun dan mengelola dana yang terkumpul dari para muzzaki yang nantinya akan didistribusikan untuk setiap program kerja yang ada di Baitul Maal Muammalat. Peneliti menggunakan metode kualitatif deskriptif dengan dua metode pengumpulan data, yaitu studi literatur dan wawancara. Berdasarkan hasil analisis SWOT yang telah dilakukan adalah dengan dimilikinya banyak kekuatan dan juga kesempatan BMM Jabar dapat memaksimalkan penghimpunan dana baik melalui jaringan nasabah pada Bank Muamalat, pendekatan secara individu maupun bekerja sama dengan perusahaan lain untuk dapat menyalurkan zakat karyawannya pada BMM Jabar. Abstract. During the time of Rasulullah SAW, there was no place in Baitul Maal to store the wealth obtained by the state, because at that time the wealth obtained was not much and the wealth was planned to be immediately distributed to the community. One way to increase the number of donors and the nominal funds collected is to implement appropriate and attractive marketing strategies. Marketing strategy is a characteristic of a financial institution's reputation. The more customers you acquire, the more products will be distributed through financial institutions. The purpose of this research is to analyze and identify internal and external factors that influence the success of the marketing strategy for each product carried out by Baitul Maal Muammalat by using SWOT (Strength, Weakness, Opportunity and Threat) analysis in collecting and managing funds collected from muzzaki who Later it will be distributed to every work program in Baitul Maal Muammalat. Researchers used descriptive qualitative methods with two data collection methods, namely literature studies and interviews. Based on the results of the SWOT analysis that has been carried out, it is clear that BMM Jabar has many strengths and opportunities to maximize fund collection either through customer networks at Bank Muamalat, individual approaches or in collaboration with other companies to be able to distribute its employees' zakat to BMM Jabar.

Pengaruh Return on Equity, Debt Equity Ratio, Earning Per Share, dan Asset Growth terhadap Abnormal Return Saham Davina Jasmine Azzahra; Intan Nurrachmi
Jurnal Riset Perbankan Syariah Volume 3, No. 2, Desember 2024, Jurnal Riset Perbankan Syariah (JRPS)
Publisher : UPT Publikasi Ilmiah Unisba

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/jrps.v3i2.5070

Abstrak. Tujuan penelitian ini untuk mengetahui bagaimana pengaruh ROE, DER, EPS, dan Asset Growth terhadap Abnormal Return Saham Pada Perbankan Syariah Tahun 2020-2022 secara simultan dan untuk mengetahui bagaimana pengaruh ROE, DER, EPS, dan Asset Growth terhadap Abnormal Return Saham Pada Perbankan Syariah Tahun 2020-2022 secara parsial. Metode analisis data yang digunakan dalam penelitian ini adalah regresi berganda. Hasil penelitian ini menunjukkan secara parsial bahwa nilai signifikan ROE sebesar (0,679>0,05), yang artinya ROE tidak berpengaruh secara signifikan terhadap Abnormal Return Saham. Nilai signifikan DER secara parsial menunjukkan sebesar (0,05>0,010), yang artinya bahwa DER secara parsial berpengaruh secara signifikan terhadap Abnormal Return Saham. Kemudian nilai EPS secara parsial menunjukkan sebesar (0,05>0,550), yang artinya tidak berpengaruh secara signifikan terhadap Abnormal Return Saham. Kemudian nilai Asset Growth secara parsial menunjukkan sebesar (0,05>0,154), yang artinya Asset Growth tidak berpengaruh terhadap Abnormal Return Saham. Sedangkan secara simultan menunjukkan bahwa nilai F tabel lebih besar dari F hitung sebesar (7,446>6,388) dengan nilai signifikan sebesar 0,039 (0,039>0,05), yang artinya ROE, DER, EPS, dan Asset Growth secara bersama-sama berpengaruh terhadap Abnormal Return Saham. Abstract. The purpose of this research is to find out how ROE, DER, EPS, and Asset Growth influence the Abnormal Return of Shares in Sharia Banking in 2020-2022 simultaneously and to find out how ROE, DER, EPS, and Asset Growth influence the Abnormal Return of Shares in Sharia Banking. 2020-2022 partially. The data analysis method used in this research is multiple regression. The results of this research partially show that the significant value of ROE is (0.679>0.05), which means that ROE does not have a significant effect on Abnormal Stock Returns. The significant value of DER partially shows (0.05>0.010), which means that DER partially has a significant effect on Abnormal Stock Returns. Then the partial EPS value shows (0.05>0.550), which means it does not have a significant effect on Abnormal Stock Returns. Then the partial Asset Growth value shows (0.05>0.154), which means that Asset Growth has no effect on Abnormal Stock Returns. Meanwhile, it simultaneously shows that the F table value is greater than the calculated F of (7.446>6.388) with a significant value of 0.039 (0.039>0.05), which means that ROE, DER, EPS and Asset Growth together have an effect on Abnormal Stock returns.

Advances in Data-Driven Marketing Technologies: A Bibliometric Analysis of Indonesian Research Trends Yuaniko Paramitra; Syamsu Rijal; Guellica Agnesia Claudia Thanos; Toong Hai Sam; Intan Nurrachmi; Darwis Robinson Manalu; Rahim, Robbi
Journal of Applied Science, Engineering, Technology, and Education Vol. 6 No. 2 (2024)
Publisher : PT Mattawang Mediatama Solution

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35877/454RI.asci3811

Indonesia, the largest economy in Southeast Asia, has experienced an increase in need for innovative, data-driven marketing research given its fast economic expansion. Business strategy and decision making depend on this study as it let companies adjust to the specificities of local markets affected by socioeconomic, technological, and demographic variables. This study aims to assess the direction and breadth of the research as well as identify any knowledge gaps or underutilized studies in the field of marketing, especially in Indonesia. Bibliometrics is the technique utilized by means of data analysis drawn from the Scopus database in January 2024. Ratih Hurriyati of the Indonesian Education University, with 11 publications to her credit and 209 citations to her works, is the most active writer in this area. The results show the key trends in Indonesian marketing research. Apart from that, the "International Journal of Data and Network Science" is the most often published journal source with 36 papers altogether. Particularly in relation to the use of digital technology to improve consumer satisfaction and promote loyalty in innovative markets, these findings provide new ideas for policy development and more research. Marketing research done in Indonesia has a huge possibility to considerably add to the literature in the globe when one considers both local and global dynamics.

Decolonizing Zakat Discourse: Rethinking the Transformation from Consumptive to Productive Zakat through Ibn ‘Āshūr’s Maqāṣid al-Sharī‘ah in the Indonesian and Malaysian Contexts Nurrachmi, Intan; Kurniawan, Yudiyanto Tri; Arafah, Mudrikatul; Hanif, Muhammad; Taufiqurrachman; Bhari, Azri
Tribakti: Jurnal Pemikiran Keislaman Vol. 36 No. 2 (2025): Tribakti: Jurnal Pemikiran Keislaman
Publisher : Universitas Islam Tribakti (UIT) Lirboyo Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33367/tribakti.v36i2.7237

This article critically analyzes the transformation of zakat (Islamic almsgiving) in Indonesia and Malaysia through the ethical framework of Ibn ‘Āshūr’s Maqāṣid al-Sharīʿah (Higher Objectives of Islamic Law), focusing on the key values of public good (maṣlaḥah), social justice (ʿadl), economic freedom (ḥurriyyah), and solidarity (taʿāwun). The discourse on shifting zakat distribution from consumptive to productive models has become central in contemporary Islamic social finance, particularly in debates surrounding sustainable poverty alleviation and the empowerment of zakat beneficiaries (mustaḥik). While consumptive zakat is often criticized for fostering dependency, productive zakat offers the promise of long-term socio-economic inclusion. Employing a qualitative-comparative method, this study draws on both classical and contemporary literature as well as field data from official reports of zakat institutions in Indonesia and Malaysia. The findings reveal varied degrees of alignment with the four ethical foundations. The public good (maṣlaḥah) is partially realized through measurable improvements in beneficiary income and skill development, though these outcomes often remain localized and lack integration into broader economic planning. Regarding social justice (ʿadl), the selective nature of program access and weak accountability raise concerns about fairness. Economic freedom (ḥurriyyah) remains hindered by limited capital access, inadequate institutional support, and bureaucratic rigidity, impeding beneficiaries' long-term financial independence. Solidarity (taʿāwun) is the least developed principle, as current zakat programs tend to rely on top-down implementation models that limit community participation and mutual cooperation. Theoretically, this study contributes to a decolonial rethinking of Islamic social finance by challenging charity-centric paradigms inherited from colonial frameworks. It proposes a maqāṣid-oriented vision of zakat as an emancipatory instrument of social transformation. The article advocates for participatory governance, integration with micro, small, and medium enterprise (MSME) policies, and ethical institutional reform to ensure zakat functions as a sustainable driver of socio-economic justice in Muslim-majority societies.

Decolonizing Zakat Discourse: Rethinking the Transformation from Consumptive to Productive Zakat through Ibn ‘Āshūr’s Maqāṣid al-Sharī‘ah in the Indonesian and Malaysian Contexts Nurrachmi, Intan; Kurniawan, Yudiyanto Tri; Arafah, Mudrikatul; Hanif, Muhammad; Taufiqurrachman; Bhari, Azri
Tribakti: Jurnal Pemikiran Keislaman Vol. 36 No. 2 (2025): Tribakti: Jurnal Pemikiran Keislaman
Publisher : Universitas Islam Tribakti (UIT) Lirboyo Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33367/tribakti.v36i2.7237

This article critically analyzes the transformation of zakat (Islamic almsgiving) in Indonesia and Malaysia through the ethical framework of Ibn ‘Āshūr’s Maqāṣid al-Sharīʿah (Higher Objectives of Islamic Law), focusing on the key values of public good (maṣlaḥah), social justice (ʿadl), economic freedom (ḥurriyyah), and solidarity (taʿāwun). The discourse on shifting zakat distribution from consumptive to productive models has become central in contemporary Islamic social finance, particularly in debates surrounding sustainable poverty alleviation and the empowerment of zakat beneficiaries (mustaḥik). While consumptive zakat is often criticized for fostering dependency, productive zakat offers the promise of long-term socio-economic inclusion. Employing a qualitative-comparative method, this study draws on both classical and contemporary literature as well as field data from official reports of zakat institutions in Indonesia and Malaysia. The findings reveal varied degrees of alignment with the four ethical foundations. The public good (maṣlaḥah) is partially realized through measurable improvements in beneficiary income and skill development, though these outcomes often remain localized and lack integration into broader economic planning. Regarding social justice (ʿadl), the selective nature of program access and weak accountability raise concerns about fairness. Economic freedom (ḥurriyyah) remains hindered by limited capital access, inadequate institutional support, and bureaucratic rigidity, impeding beneficiaries' long-term financial independence. Solidarity (taʿāwun) is the least developed principle, as current zakat programs tend to rely on top-down implementation models that limit community participation and mutual cooperation. Theoretically, this study contributes to a decolonial rethinking of Islamic social finance by challenging charity-centric paradigms inherited from colonial frameworks. It proposes a maqāṣid-oriented vision of zakat as an emancipatory instrument of social transformation. The article advocates for participatory governance, integration with micro, small, and medium enterprise (MSME) policies, and ethical institutional reform to ensure zakat functions as a sustainable driver of socio-economic justice in Muslim-majority societies.

Title

Found 48 Documents
Search

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Title Search

Found 48 Documents Search

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Title

Found 48 Documents
Search