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All Journal Al-Ulum Ziswaf : Jurnal Zakat dan Wakaf Asy-Syir'ah: Jurnal Ilmu Syari'ah dan Hukum Jurnal Ilmiah Ekonomi Islam Economica: Jurnal Ekonomi Islam SAMARAH: Jurnal Hukum Keluarga dan Hukum Islam ILTIZAM Journal of Sharia Economic Research JURIS (Jurnal Ilmiah Syariah) TSAQAFAH Al-Maslahah Economics and Digital Business Review El-kahfi : Journal of Islamic economics El-Hekam : Jurnal Studi Keislaman Jurnal Ekonomi dan Perbankan Syariah Al-bank: Journal of Islamic Banking and Finance TAMWIL: Jurnal Ekonomi Islam Al-Hisbah Jurnal Ekonomi Syariah Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan ITQAN: Journal of Islamic Economics, Management, and Finance Innovative: Journal Of Social Science Research Jurnal Al-ittifaq Imara: Jurnal Riset Ekonomi Islam Jurnal Manajemen Bisnis Syariah Al-bank: Journal of Islamic Banking and Finance Madania: Jurnal Kajian Keislaman Jurnal Ekonomi, Manajemen Pariwisata dan Perhotelan Asian Journal of Muslim Philanthropy and Citizen Engagement

Fahlefi, Rizal

Institut Agama Islam Negeri Batusangkar

Author-ID : 547194

Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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PENGGUNAAN BANK KONVENSIONAL PADA BAZNAS KOTA SOLOK Roki Ade Deswan; Rizal Fahlefi; Zainuddin Zainuddin
Tamwil Vol 5, No 1 (2019)
Publisher : IAIN Batusangkar

In dealing with conventional financial institutions as already stated in the Fatwa MUI No. 1 year 2004 on Interest is: For the existing office / network of islamic financial institutions and easily accessible, it is not permissible to perform the transaction based on the calculation of interest. For the region that there has been no office / network of islamic financial institutions, permitted to conduct transactions in conventional financial institutions based on the principles of emergency / lavatory. BAZNAS Solok city in the management of zakat is still using the conventional banks while the islamic banks already exist in the City of Solok. The purpose of this study is to find out why BAZNAS Solok City use conventional banks and to find out and analyze the law against BAZNAS Solok City use conventional banks. The use of conventional bank on BAZNAS Kota Solok caused because conventional banks have been there on the previous management, the Salaries of Civil Servants in the environment government of the City of Solok also through nagari bank conventional, and Employees of nagari bank direct tithe to the BAZNAS Solok City, If moved bank feared not collected zakat is derived from the employees of conventional banks.

Model of Zakat Utilization Based on Local Geographical Potential in West Sumatra Rizal Fahlefi
ZISWAF Vol 9, No 1 (2022): ZISWAF: JURNAL ZAKAT DAN WAKAF
Publisher : State Islamic Institute of Kudus (IAIN Kudus)

Utilizing Zakat through a variety of productive programs can improve the welfare of the Muslim community and foster a sense of mental independence among them. Through the Boerka Superior Goat Breeding Center Program in Tanah Datar Regency, West Sumatra, this study aims to investigate how zakat is utilized based on the local geographical potential. Case study methodology is used as the qualitative research approach. Interviews and observations are employed as data collection techniques. The data analysis was conducted using the interactive data analysis model. According to the findings, the model consists of three phases: planning, implementation, and monitoring and evaluation. Several activities comprise the preparation of the program, including the formation of a management team, the selection of areas and mustahiks, and the provision of goats, forage seeds, and mentors. As part of the program's implementation, selected mustahiks will receive assistance in the form of training in recording, pen construction, disease prevention, and feed processing. During the monitoring and evaluation phase, the team conducted routine and ongoing monitoring and assessed the program's progress. This new basis in the utilization of zakat must be considered and implemented by zakat institutions, as it is insufficient to consider only the human factor, as local potential factors, including geographical potential, are also important in the utilization of zakat. Using zakat in a manner that prioritizes local geographical potential is anticipated to significantly enhance the quality of life for mustahiks.

Pemanfaatan Teknologi dalam Pengelolaan Keuangan Santri Melalui Penggunaan Software Akuntansi dan Voucher Belanja di Pesantren Rizal Fahlefi; Muhammad Deni Putra; Alimin Alimin; Widi Nopiardo
Jurnal Ilmiah Ekonomi Islam Vol 8, No 2 (2022): JIEI
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i2.5241

The problem that underlies this research is that at the Ulul Albab Modern Islamic Boarding School for Famales, Koto Baru, Dharmasraya Regency, West Sumatra Province, financial management is still manual and resources in the field of information technology are also lacking. Therefore, Ulul Albab uses financial applications to streamline the financial management of students and implements a shopping system using an integrated voucher application system. This study aims to explore the use of technology in the form of accounting software and shopping vouchers in managing the finances of students at Ulul Albab. The research uses the qualitative method and case study approach. The results showed that Ulul Albab utilizes existing technology to assist in the financial management of students. The "BENTAR" software is used and it is also integrated with the student shopping vouchers. The accounting staff of Ulul Albab are given training in operating the software so that they can use it according to its functions and benefits, while students are given training on the use of shopping vouchers so that they can use it according to their individual needs. The utilization of the technology is continuously monitored until it is believed that it can actually run well. This is an indicator of the ability of Ulul Albab to adapt to digitalization in the industrial era of 4.0. The transformation carried out by Ulul Albab can become a technology-based financial management model in Islamic boarding schools.

Determinan Pengetahuan dan Persepsi Terhadap Minat Menabung di Bank Syariah (Studi Kasus Mahasiswa HES IAIN BATUSANGKAR) Muhammad Deni Putra; Elimartati; Rizal Fahlefi; Sitri Nofrita Sari
ILTIZAM Journal of Shariah Economics Research Vol. 6 No. 1 (2022): Iltizam Journal of Shariah Economics Research
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, UIN SULTHAN THAHA SAIFUDDIN JAMBI

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

This research was conducted to examine how students' knowledge of Islamic Bank products, to determine the students' own perceptions of the interest in saving in Islamic banks and to find out whether there is a relationship between the knowledge and perceptions of students majoring in HES on interest in saving at Islamic Banks. This type of research is field research using quantitative methods. The data collection technique that the author uses is through a questionnaire. Data processing is carried out by quantitative methods, then described and presented through effective sentences. Based on the results of the research that the authors obtained, it was found that there was a significant relationship between the knowledge of students majoring in HES and interest in saving in Islamic banks. Based on the results of the regression analysis, the tcount value was 3.722 > ttable = 1.671, while the significance value (sig) was 0.000 <0.05. So it can be concluded that Ho1 is rejected and Ha1 is accepted, meaning that partially the knowledge variable (X1) is significantly related to a very strong positive relationship with interest in saving (Y). Meanwhile, on the perception variable, there is no significant relationship between the perceptions of students majoring in HES and interest in saving in Islamic banks. Based on the results of the regression analysis, the tcount value was 1.903 > ttable = 1.671, while the significance value (sig) was 0.061 0.05. So it can be concluded that Ho2 is rejected and Ha2 is accepted, meaning that partially there is no significant relationship between the perception variable (X2) on interest in saving. So it can be said that there is an insignificant relationship between perception and interest in saving.

PELAKSANAAN ZAKAT PERTANIAN (STUDI KASUS PETANI BAWANG DI NAGARI KAMPUNG BATU DALAM KECAMATAN DANAU KEMBAR KABUPATEN SOLOK) WIDI NOPIARDO; AFRIANI AFRIANI; RIZAL FAHLEFI
Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 3, No 1 (2018): Januari - Juni 2018
Publisher : Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam – UIN Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/al-masraf.v3i1.165

This paper discusses the implementation of agricultural zakat in "Nagari Kampung Batu Dalam, Kecamatan Danau Kembar, Kabupaten Solok" and what are the constraints faced by the community in the implementation of agricultural zakat. The type of research is field research. It is concluded that the implementation of zakat onion farming is done by farmers at every harvest time, two to three times of harvest and the month of Ramadan. The amount of zakat disbursed partially calculates the operational costs and partly focus on the amount of crops obtained. Zakat is distributed in the form of money and goods and onions are given to workers who are deemed entitled to receive zakat, kinsman relatives, orphans and zakat are also channeled to the mosque or local mushalla. Some people still equate agricultural zakat with alms or infak. While the constraints faced by the community in implementing agricultural zakat is the level of public awareness is still low, it is influenced by the lack of understanding of society about agricultural zakat and education is still low, the distribution of zakat that has not been right target and the absence of institutions that collect and distribute zakat.

Pelaksanaan Denda atas Nasabah Mampu Penunda Pembayaran Utang di Lembaga Keuangan Syariah Alimin Alimin; Rizal Fahlefi
TSAQAFAH Vol. 16 No. 1 (2020): Islamic Economics
Publisher : Universitas Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/tsaqafah.v16i1.4006

AbstractIslamic Financial Institutions (IFI) have business and social functions. One source of income for social funds other than infaq, shadaqah, and zakah is a fine fund for late payment of debt to able customers. This phenomenon is different from conventional financial institutions that make fines as one of their income. The fine at the IFI serves to discipline customers to pay debts, but the collection of these fines should not be done haphazardly because it can lead to ribawi practices and abuse of the situation. Decisions of various fatwa institutions have been made available regarding the rules for implementing this fine (DSN-MUI No. 17 of 2000 and the Sharia Standards of the AAOIFI Sharia Board of Bahrain No.8 and Majma 'al-Fiqh al-Islami Islamic Conference Organization No. 109 of 2000). Based on the results of this study it was found that the implementation of this fine was very varied. The study also found that the potential for these fines was quite large and would contribute positively to IFI's social functions while enhancing the positive image of the community. Variations in the application of these fines can be seen in terms of a) whether or not the fines are carried out with the aim of the promotion strategy, b) the amount of fines applied based on the effectiveness of the deterrence function, c) customer knowledge and understanding is still very low on these sanctions rules, and even IFI practitioners are still not optimally understood.Keywords: Sanction Fines, Usury, BMT, Capable Customers, Bad Debth, Islamic Financial Institutions. AbstrakLembaga Keuangan Syariah (LKS) mempunyai fungsi bisnis dan sosial. Salah satu sumber pemasukan dari dana sosial selain infak, sedekah dan zakat adalah denda keterlambatan pembayaran utang atas nasabah yang mampu. Hal ini berbeda dengan lembaga keuangan konvensional yang menjadikan denda sebagai salah satu pendapatan lembaga keuangan. Denda pada LKS tersebut berfungsi untuk mendisiplinkan nasabah terutang, namun dalam penerapan denda keterlambatan pembayaran tidak boleh dilakukan sembarangan karena dapat menjurus kepada praktik ribawi dan penyalahgunaan keadaan. Keputusan berbagai lembaga fatwa pun sudah ada tentang pelaksanaan denda ini (DSN-MUI No. 17 Th. 2000 dan Standar Syariah Dewan Syariah AAOIFI Bahrain No. 8 serta Majma' al-Fiqh al-Islami Organisasi Konferensi Islam No. 109 Th. 2000). Namun, berdasarkan hasil penelitian ternyata di lapangan terdapat berbagai variasi pelaksanaannya. Penelitian ini juga menemukan bahwa potensi denda tersebut cukup besar dan akan memberikan kontribusi positif bagi fungsi sosial LKS sekaligus meningkatkan kesan positif dari masyarakat. Variasi penerapan terlihat dari sisi a) dilaksanakan atau tidaknya denda tersebut dengan alasan strategi promosi, b) jumlah denda yang diterapkan berdasarkan efektifnya tujuan penjeraan, c) pengetahuan dan pemahaman nasabah masih sangat rendah terhadap aturan sanksi ini, dan bahkan praktisi terhadap aturan sanksi ini masih belum maksimal.Kata Kunci: Denda Sanksi, Riba, BMT, Nasabah Mampu, Keterlambatan Pembayaran, Lembaga Keuangan Syariah.

Analisis Maqoshid Syariah terhadap Penerapan Akad Muzaroah dan Ijarah Pada Petani Cabe Nagarri Taeh Baruah Deni Putra, Muhammad; Ismail, Dailani; Alimin, Alimin; Fahlefi, Rizal; Fadilla, Siti
ILTIZAM Journal of Shariah Economics Research Vol. 7 No. 2 (2023): Iltizam Journal of Shariah Economics Research
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, UIN SULTHAN THAHA SAIFUDDIN JAMBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/iltizam.v7i2.2139

Regarding the development of agricultural land management, the muzāra'ah contract scheme is considered the most suitable and fair contract, and in accordance with sharia principles. However, in its implementation, many problems arise between sharecroppers and land owners. From the initial survey that the author conducted with Basril, one of the chili farmers in Taeh Baruah Village, it was found that sharing the results of the land, especially in chili farming, tends to cause disharmony in social interactions due to because sharecroppers are not professional, transparency is weak. Based on this phenomenon, the author conducted an in-depth study regarding benchmarks for the benefits of muzāra'ah and ijārah contracts in agricultural land management using the Maqasid Syariah approach. From the measurement results, it was found that currently in Nagari Taeh Baruah, the use of an ijārah contract in terms of agricultural land cooperation is the most beneficial contract compared to the muzāra'ah contract. This is due to the community's habit of carrying out cooperation in the agricultural sector only verbally, and the level of honesty of some farmers is still low, which tends to result in social disharmony among chili farmers in Nagari Taeh Baruah.

Analysis Four Factors of Customer Interest Towards Bai' Bitsaman Ajil (BBA) Financing at KJKS BMT Agam Madani Nagari Pakan Sinayan Banuhampu District Amuz, Annisa; Fahlefi, Rizal; Effendi, Amri
Jurnal Ekonomi dan Perbankan Syariah Vol 11, No 2 (2023): Journal of Islamic Economics and Banking
Publisher : Institut Agama Islam (IAI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46899/jeps.v11i2.497

In economic activities, the main challenge faced is the problem of business capital. This is often the main reason why someone's business does not experience development or progress. Providing business capital in the form of Bai Bitsaman Ajil (BBA) financing is an effort to support the community in improving their business and welfare. As a result of the research conducted by the author, it can be concluded that the Bai Bitsaman Ajil (BBA) financing procedure that meets the implementation of KJKS BMT Agam Madani Nagari Pakan Sinayan is submitting an application for funding to KJKS BMT Agam Madani Nagari Pakan Sinayan, customer financing application form, completeness of fee administration, after that, KJKS BMT Agam Madani conducted a survey of business premises and residences. After carrying out supervision, a financing board meeting is held, the client will decide whether to obtain financing or not, realize the financing request and finally disburse the financing funds. The factors that influence customer interest in Bai' Bitsaman Ajil (BBA) financing are product factors, service factors, promotional factors and location factors. Of these four factors, it can be seen that many customers are willing to finance Bai Bitsaman Ajil (BBA), which is more dominant due to product factors, because the procedures for financing Bai Bitsaman Ajil (BBA) are easier and faster, do not make things difficult for the community, the requirements are not complicated, financing Bai Bitsaman Ajil (BBA) can be paid in installments and is not too burdensome for customers to pay installments. Bai Bitsaman Ajil (BBA) financing is carried out to avoid usury and the margins are small, there is no guarantee of usage.

Mengatasi Pengangguran Kaum Terdidik Di Kecamatan Silaut Kabupaten Pesisir Selatan Saputra, Megi; Pasrizal, Himyar; Qutranada, Vira; Alimin, Alimin; Fahlefi, Rizal
AL-ITTIFAQ Jurnal Ekonomi Syariah Vol 4, No 2 (2024): Al-Ittifaq : Jurnal Ekonomi Syariah
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/al-ittifaq.v4i2.13372

Penelitian ini bertujuan untuk mengetahui faktor-faktor penyebab pengangguran kaum terdidik, dan solusi untuk mengatasi pengangguran kaum terdidik di Kecamatan Silaut. Pokok permasalahan dalam penelitian ini pemicu penyebab pengangguran kaum terdidik di Kecamatan Silaut. Jenis penelitian ini merupahkan penelitian lapangan dengan pendekatan deskriptif kualitatif. Hasil penelitian menemukan bahwa faktor-faktor penyebab pengangguran pada kaum terdidik di Kecamatan Silaut Kabupaten Pesisir Selatan meliputi, jumlah perusahaan maupun kantor sedikit, terbatasnya informasi lowongan kerja, jiwa wirausaha rendah, peluang usaha rendah, gaji sedikit, tidak mempunyai peralatan kerja, serta jaringan kerja sedikit. Setelah dibahas, investasi syariah dan bantuan konsultan dapat digunakan untuk mengatasi pengangguran kaum terdidik di Kecamatan Silaut. Caranya para pejabat kecamatan bekerjasama dengan pejabat nagari membentuk tim khusus yang bertugas menarik investasi sebagaimana Kementerian Investasi pada pemerintah pusat. Tim khusus investasi diberikan tugas untuk mengajak orang kaya Silaut maupun orang kaya di luar Silaut untuk membangun perusahaan dan kantor. Untuk anggaran memfasilitasi investasi tersebut gunakan saja anggaran pemerintah kecamatan, dan anggaran pemerintah nagari terlebih dahulu. Kemudian cara lain menjadikan Profesor kampus Unand sebagai kampus terdekat menjadi konsultan pangan di perusahaan pangan yang akan berdiri nantinya. Anggaran yang digunakan untuk membayar Profesor tersebut gunakan saja terlebih dahulu anggaran kecamatan, anggaran Bumnag, dan ditambah dengan anggaran nagari.

Analisis Model Koordinasi Pada Baznas Se-Sumatera Barat untuk Peningkatan Kesejahteraan Mustahik Nopiardo, Widi; Elfadhli, Elfadhli; Fahlefi, Rizal; Rizal, Rizal
TAMWIL : Jurnal Ekonomi Islam Vol 10, No 2 (2024)
Publisher : IAIN Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/jtm.v10i2.13481

Dalam aspek pengumpulan zakat, irisan pengumpulan zakat di lapangan masih mungkin terjadi, jika koordinasi mengabaikan aturan tentang lingkup kewenangan pengumpulan zakat. Sedangkan dalam aspek penyaluran zakat, masih memungkinkan terjadinya tumpang tindih bantuan antar BAZNAS Kabupaten/ Kota dengan BAZNAS Propinsi karena mengacu kepada Standar Operasional Prosedur masing-masing yang mengakomodasi penyaluran zakat ke berbagai mustahik. Tujuan penelitian ini yaitu untuk mengetahui model koordinasi untuk menghindari irisan pengumpulan dan penyaluran zakat serta meningkatkan daya guna zakat. Jenis penelitian ini yaitu penelitian lapangan dengan pendekatan kualitatif deskriptif. Sumber data yaitu amil dan komisioner BAZNAS se-Sumatera Barat. Teknik pengumpulan data melalui wawancara dan dokumentasi. Teknik analisis data berdasarkan teknik dari Miles dan Huberman melalui reduksi data, penyajian data, dan penarikan kesimpulan/verifikasi. Hasil penelitian ini yaitu model koordinasi horizontal dilakukan dengan baik secara tatap muka maupun memanfaatkan media online yang tergambar pada model utama koordinasi yaitu persiapan koordinasi, kegiatan koordinasi, dan hasil koordinasi. Kemungkinan terjadinya tumpang tindih pengumpulan dan penyaluran zakat sudah diantisipasi oleh BAZNAS se-Sumatera Barat dengan persiapan koordinasi yang matang dan pelaksanaan koordinasi pengumpulan yang patuh terhadap regulasi lingkup kewenangan pengumpulan dan koordinasi teknis penyaluran bantuan sehingga menghasilkan nilai manfaat tinggi dari koordinasi. Sistem Operasional Prosedur penyaluran zakat yang mengakomodasi penyaluran zakat ke berbagai mustahik, ketidakcukupan informasi tentang profil mustahik memungkinkan terjadinya tumpang tindih data mustahik yang dibantu.

Co-Authors AA Sudharmawan, AA Afriani Afriani AFRIANI AFRIANI Afril, Afril AHMAD LUTFI Akmal, Reza Alimin Alimin Alimin Alimin, Alimin Amuz, Annisa Arifah, Lidyana Asyari Hasan Azizah, Aprilia Nur Candra, Revi Deni Putra, Muhammad Desmadi Saharuddin Deswan, Roki Ade Diana Putri, Meli Effendi, Amri Elfadhli Elfadhli, Elfadhli Elimartati Elimartati Erniyanti, Liza Fadilla, Siti Firdaus, Nil Gustomi, Asrul Hidayati, Azifah Himyar Pasrizal HUSNI SHABRI Indah Fitrah Nauri Intan Purnama Sari Ismail, Dailani kamali kamali, kamali Kasih, Santi Yulia Masdar, Rita MUHAMMAD MANSUR Nauri, Indah Fitrah Nita Fitria Nita Fitria Nurul Fauzi Nurwijayanti Putra, Muhammad Deni Putri, Lara Aziza Putri, Siska Qutranada, Vira Rahmat Firdaus Ramadhan, Rifki Rasna, Fauzia Rizal Rizal Roki Ade Deswan Saputra, Megi Sari, Rivian Anda Shahmi, Mohammad Aliman Sitri Nofrita Sari Wadi, Moh. Widi Nopiardo Widi Nopiardo Widia Lestari Witri, Witri Zainuddin Zainuddin Zainuddin, Zainuddin Zetria, Fauza Dwi Zikri, Miftahul Zulkifli Zulkifli

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