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All Journal Journal of Islamic Economic Laws Jurnal Hukum Ekonomi Syariah JURNAL ECONOMINA Cessie : Jurnal Ilmiah Hukum Journal Research of Social Science, Economics, and Management
Andy Putra Wijaya
Universitas Ahmad Dahlan
Religion Arts Humanities Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Islamic Financial Literacy: Evidence From Indonesian Urban Middle-Class Women Alfina Rahmatia; Andy Putra Wijaya; Arief Dwi Saputra; Muhammad Imam Ma’ruf
Journal of Islamic Economic Laws Vol 5, No 2: July 2022
Publisher : Muhammadiyah University Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/jisel.v5i2.18467

Abstract

Issues related to Islamic financial literacy are always interesting to study, mainly because financial literacy has a close relationship with inclusive finance, including women's intelligence which is often questioned in terms of financial literacy. As if only women are the only gender whose abilities and intelligence are always questioned. The paradigm of women is being left behind as if it has been ingrained in some Indonesians. This study uses an explanatory sequential mixed method, in which qualitative data is taken from the study literature, then analyzed using the Nvivo 12 application. Quantitative data is taken from a questionnaire, then analyzed using the SPSS application. The result from qualitative data analysis would explain more the findings. This study proves that gender does not affect financial literacy, it can be said that women in Indonesia urban middle-class are not left behind. Everyone has the same rights in learning about Islamic financial literacy.
Zakat produktif dalam perspektif ushul fikih: Relevansi dan aplikasinya di era modern Andy Putra Wijaya
Cessie : Jurnal Ilmiah Hukum Vol. 4 No. 1 (2025): Cessie: Jurnal Ilmiah Hukum
Publisher : ARKA INSTITUTE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55904/cessie.v4i1.1527

Abstract

Zakat memiliki peran vital dalam sistem ekonomi Islam sebagai instrumen distribusi kekayaan dan pemberdayaan sosial. Dalam konteks kontemporer, pendekatan konsumtif dalam distribusi zakat dinilai kurang efektif untuk mengatasi kemiskinan struktural. Oleh karena itu, zakat produktif, penyaluran zakat dalam bentuk modal usaha, pelatihan, atau aset produktif, menjadi alternatif strategis yang lebih berkelanjutan. Kajian ini bertujuan untuk menganalisis konsep zakat produktif dalam perspektif ushul fikih serta meninjau relevansi dan aplikasinya di era modern. Dengan pendekatan kualitatif-deskriptif dan metode studi kepustakaan, penelitian ini menemukan bahwa zakat produktif memiliki legitimasi kuat dalam kerangka ushul fikih melalui pendekatan maqāṣid al-sharīʿah, maslahah mursalah, dan istihsān. Selain itu, strategi pengelolaan zakat produktif yang berbasis data, kolaboratif, dan terintegrasi dengan sistem ekonomi syariah mampu meningkatkan kesejahteraan mustahiq secara berkelanjutan. Penelitian ini menegaskan bahwa integrasi antara prinsip-prinsip hukum Islam dan inovasi sosial-ekonomi merupakan kunci keberhasilan dalam optimalisasi zakat produktif sebagai alat transformasi sosial di era modern.
Integrating Productive Zakat Management for Sustainable Development: Strengthening Collaboration Between Baznas and Laz to Improve Mustahik Welfare Andy Putra Wijaya; Dwi Santosa Pambudi; Iwan Setiawan
Journal Research of Social Science, Economics, and Management Vol. 5 No. 12 (2026): Journal Research of Social Science, Economics, and Management
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/jrssem.v5i12.1654

Abstract

The Sustainable Development Goals (SDGs) have established a comprehensive global framework for addressing multidimensional challenges related to poverty, inequality, and sustainable economic development. In Indonesia, productive zakat has increasingly been recognized as a strategic instrument of Islamic social finance capable of supporting the achievement of these goals through sustainable socioeconomic empowerment. This study examined the role of productive zakat management in advancing the SDGs by emphasizing institutional integration, effective governance, and collaborative partnerships among zakat management organizations and other development stakeholders. Using a qualitative approach based on a comprehensive review of relevant literature, policy documents, and empirical studies, the research explores the alignment between productive zakat programs and the objectives of sustainable development. The findings indicate that productive zakat contributes significantly to poverty alleviation, income generation, employment creation, human capital development, and the reduction of socioeconomic inequalities, particularly in relation to SDG 1 (No Poverty), SDG 3 (Good Health and Well-being), SDG 4 (Quality Education), SDG 8 (Decent Work and Economic Growth), and SDG 10 (Reduced Inequalities). The study further demonstrates that the effectiveness of productive zakat depends on the integration of transparent and accountable governance, data-driven management, digital transformation, continuous beneficiary assistance, and institutional collaboration involving the National Zakat Agency (BAZNAS), Zakat Collecting Organizations (LAZ), government agencies, the private sector, and local communities.
Efektivitas Eksekusi Jaminan Hak Tanggungan pada Pembiayaan Bermasalah di Bank Tabungan Negara Kantor Cabang Syariah Solo Dani Dwi Meylawati; Andy Putra Wijaya; Riduwan Riduwan; Mufti Alam Adha
Jurnal Hukum Ekonomi Syariah Vol. 7 No. 2 (2024): Oktober
Publisher : Prodi Hukum Ekonomi Syariah Fakultas Agama Islam, Universitas Muhammadiyah Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30595/jhes.v7i2.22583

Abstract

Financial institutions, including the branch office of BTN Syariah in Solo City, often face non-performing financing. One strategy the branch office of BTN Syariah in Solo City uses to resolve non-performing financing is to execute the mortgage guarantee, which is carried out as the last alternative. This research aims to determine the effectiveness of strategies to overcome obstacles in implementing the execution of the mortgage guarantee for non-performing financing at the branch office of BTN Syariah in Solo City. This field research uses a descriptive qualitative approach. The object of this research is the branch office of BTN Syariah in Solo City. The primary and secondary data sources are collected through observation, interviews, documentation, and triangulation. The results state that the execution of the mortgage guarantee on non-performing financing at the branch office of BTN Syariah in Solo City has yet to be said to be effective. The strategy to overcome obstacles in implementing the execution of mortgage guarantees carried out by the branch office of BTN Syariah in Solo City is visiting a notary and attempting to rescue the non-performing financing, continuing to sell the collateral until it is sold with no period, and trying to cooperate and ensuring that the steps in the execution process are under legal provisions. Meanwhile, the strategy to overcome obstacles carried out by the State Property and Auction Services Office (KPKNL) is proposing additional auction officials to maximize services. In addition, KPKNL is collaborating with various parties to organize outreach regarding the procedures for bidding for auctions and updating regulations related to auctions.
ANALISIS PENERAPAN FATWA DEWAN SYARIAH NASIONAL NO. 86/DSN-MUI/XII/2012 TERHADAP PRODUK ARISAN BERKAH DI KOPERASI SIMPAN PINJAM DAN PEMBIAYAAN SYARIAH (KSPPS) HARAPAN UMAT PATI Ayu Fadia; Dwi Santosa Pambudi; Andy Putra Wijaya
JURNAL ECONOMINA Vol. 2 No. 12 (2023): JURNAL ECONOMINA, Desember 2023
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/economina.v2i12.1057

Abstract

KSPPS Harapan Umat Pati adalah lembaga keuangan mikro syariah yang berada di Kabupaten Pati. Produk yang mereka miliki bervariatif, salah satu produknya adalah Arisan Berkah. Arisan Berkah ini merupakan produk gabungan dari konsep arisan dan simpanan. Akad yang digunakan dalam produk ini adalah Wadi’ah Yad Dhamanah. Penelitian ini erupakan penelitian kualitatif deskriptif, termasuk penelitian lapangan (Field Research). Data yang digunakan adalah data primer yang diperoleh melalui wawancara dari general manager dan staff KSPPS Harapan Umat Pati serta lima anggota arisan berkah. adapun data sekunder yang diperoleh yaitu melalui studi pustaka Fatwa DSN MUI. Pelaksanaan arisan berkah dan menganalisa penerapan Fatwa DSN No. 86/DSN-MUI/XII/2012 pada produk arisan berkah. Penelitian ini bertujuan untuk memberikan penjelasan mengenai kesesuaian pemberian hadiah pada anggota arisan berkah yang dilakukan oleh Koperasi Simpan Pinjam dan Pembiayaan Syariah. Hasil dari penelitian menunjukkan mekanisme pelaksanaan arisan berkah telah dilakukan dengan terstruktur, dilihat dari adanya tahapan untuk menjadi anggota arisan berkah di KSPPS Harapan Umat Pati, diantaranya calon anggota harus mengisi formulir pendaftaran anggota arisan berkah, menyerahkan fotocopy KTP, dan melakukan setoran awal sebesar Rp. 100.000,-. Dalam produk Arisan Berkah di KSPPS Harapan Umat Pati, hadiah yang diberikan ada yang berupa uang dan barang. Hadiah yang berupa barang dalam Fatwa DSN No. 86/DSN-MUI/XII/2012 sudah sesuai. Yang tidak diperbolehkan dalam produk Arisan Berkah adalah pemberian bonus uang sebesar Rp.50.000,- kepada anggota yang nomer undiannya tidak memenangkan hadiah dan pemberian hadiah dilakukan setelah terjadinya akad wadi’ah.
Co-Authors Alfina Rahmatia Arief Dwi Saputra Ayu Fadia Dani Dwi Meylawati Dwi Santosa Pambudi Iwan Setiawan Muhammad Imam Ma'ruf Riduwan Riduwan