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Perbandingan Konsep Sistem Lembaga Keuangan Sosial Syariah : Bank Wakaf Mikro, Baznas Microfinance Desa, dan Bank Infak Alimin, Alimin; Fahlefi, Rizal; Shabri, Husni; Zulkifli, Zulkifli
Al-bank: Journal of Islamic Banking and Finance Vol 5, No 1 (2025): January - June 2025
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v5i1.14756

This research aims to analyze the comparison of the concept of the operational system of Islamic Social Financial Institutions such as the Micro Waqf Bank, Baznas Microfinance Village, and Infak Bank. The research method uses qualitative Conceptual Comparison Method. Data collection techniques using interviews and documentation. The results showed that the system concepts of three Indonesian Islamic social financial institutions are purely social from the aspects of status as a social institution, funding, financing, and distribution, and have many operational system similarities. However, there are differences in the sources of capital in the form of alms, zakat, waqf, general donations, and CSR which have become the responsibility of the company. In terms of type, the three institutions are classified as ethical banks or non-bank Islamic ethical financial institutions because they emphasize the purpose of their activities on outcomes and impact rather than profit at all. In terms of the cash waqf theory of capital resilience, the three institutions are less efficient from the aspect of business sustainability, because the amount is at risk of decreasing and will always depend on donations, where the funds are channeled to poor businesses that are at risk of inability to repay loans. The researcher recommends a commercial social financial institution model that is commercial in seeking profit, but social in profit distribution

Perbandingan Konsep Sistem Lembaga Keuangan Sosial Syariah : Bank Wakaf Mikro, Baznas Microfinance Desa, dan Bank Infak Alimin, Alimin; Fahlefi, Rizal; Shabri, Husni; Zulkifli, Zulkifli
Al-bank: Journal of Islamic Banking and Finance Vol 5, No 1 (2025): January - June 2025
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v5i1.14756

This research aims to analyze the comparison of the concept of the operational system of Islamic Social Financial Institutions such as the Micro Waqf Bank, Baznas Microfinance Village, and Infak Bank. The research method uses qualitative Conceptual Comparison Method. Data collection techniques using interviews and documentation. The results showed that the system concepts of three Indonesian Islamic social financial institutions are purely social from the aspects of status as a social institution, funding, financing, and distribution, and have many operational system similarities. However, there are differences in the sources of capital in the form of alms, zakat, waqf, general donations, and CSR which have become the responsibility of the company. In terms of type, the three institutions are classified as ethical banks or non-bank Islamic ethical financial institutions because they emphasize the purpose of their activities on outcomes and impact rather than profit at all. In terms of the cash waqf theory of capital resilience, the three institutions are less efficient from the aspect of business sustainability, because the amount is at risk of decreasing and will always depend on donations, where the funds are channeled to poor businesses that are at risk of inability to repay loans. The researcher recommends a commercial social financial institution model that is commercial in seeking profit, but social in profit distribution

Zakat for the Elderly: A Survey of Mustahiks and An Islamic Law Perspective Fahlefi, Rizal; Alimin, Alimin
Madania: Jurnal Kajian Keislaman Vol 24, No 2 (2020): DECEMBER
Publisher : Universitas Islam Negeri (UIN) Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/madania.v24i2.5224

The study aims to find out a general description of mustahiks of old-age insurance program from National Zakat Agency (BAZNAS) of Tanah Datar Regency and to analyse the legal status of the program from Islamic law perspective. The old-age insurance program is distribution of consumptive zakat permanently throughout life for the elderly. The researcher used a survey method. The results showed that the old-age insurance program is directed to meet the basic needs of elderly mustahiks. The characteristics of the elderly mustahiks are as follows: 90% are women, 45% are classified as the old-old, 50% have never attended school, 60% are sick, 85% are non-potential elderly people, 55% live in unworthy shelter, 65% live alone, before receiving zakat 80% meet their needs with the help of others, 80% have no income other than zakat. These facts support that the consumptive zakat for the elderly must be continued, because it greatly helps elderly welfare. Although there is no specific argument regarding zakat for the elderly, it doesn’t contradict the provisions of Islamic law. If the Caliphs Abu Bakr, Umar, and 'Ali decided on a policy of providing compensation for non-Muslim elderly from Baitul Mâl, for Muslim elderly ofcourse even more important. Penelitian ini bertujuan untuk mengetahui gambaran umum dari mustahik program jaminan hari tua dari Badan Amil Zakat Nasional (BAZNAS) Kabupaten Tanah Datar dan untuk menganalisis status hukum program perspektif hukum Islam. Program jaminan hari tua merupakan penyaluran zakat konsumtif secara permanen bagi lansia sepanjang hidupnya. Peneliti menggunakan metode survei. Hasil penelitian menunjukkan bahwa program jaminan hari tua bertujuan untuk memenuhi kebutuhan dasar para mustahik lansia. Karakteristik mustahik lansia tersebut adalah sebagai berikut: 90% diantaranya adalah perempuan, 45% diklasifikasikan sebagai lansia berumur sangat lanjut, 50% tidak pernah bersekolah, 60% dalam kondisi sakit, 85% merupakan lansia yang tidak potensial, 55% tinggal di tempat tinggal yang tidak layak, 65% tinggal sendirian, sebelum menerima zakat 80% memenuhi kebutuhan mereka dengan mengandalkan bantuan orang lain, 80% tidak memiliki penghasilan selain zakat. Fakta-fakta ini mendukung bahwa program zakat konsumtif untuk lansia mesti dilanjutkan, karena sangat membantu kesejahteraan lansia. Meskipun tidak ada dalil khusus tentang alokasi zakat untuk lansia, tetapi hal tersebut tidak bertentangan dengan ketentuan hukum Islam. Jika Khalifah Abu Bakr, Umar, dan ‘Ali pernah mengambil kebijakan untuk memberikan santunan kepada lansia non-Muslim dari Baitul Mâl, maka menyantuni lansia Muslim tentu lebih utama lagi.

Energy Waqf and the Environmental Crisis: Advancing Islamic Philanthropy for Sustainability Shahmi, Mohammad Aliman; Putra, Muhammad Deni; Fahlefi, Rizal; Arifah, Lidyana; Mansur, Muhammad
Economica: Jurnal Ekonomi Islam Vol. 16 No. 1 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2025.16.1.23549

This study examines energy waqf as an innovative Islamic philanthropic approach to addressing the growing environmental crisis. Using a literature review methodology, the research explores how religious beliefs, cultural values, and institutional trust influence community acceptance and participation in energy waqf initiatives. The findings reveal that strong religious commitment and cultural norms significantly motivate individuals to engage in such projects, which are widely perceived as acts of environmental stewardship and community service. Additional drivers of participation include emotional and psychological factors, awareness of waqf benefits, and confidence in the credibility of managing institutions. The study highlights the importance of public education and transparent governance in strengthening community involvement and ensuring the sustainability of energy waqf programs. These insights offer valuable guidance for policymakers, religious leaders, and development practitioners aiming to promote climate action through Islamic social finance. Energy waqf emerges not only as a philanthropic tool rooted in Islamic principles but also as a viable strategy for advancing renewable energy adoption and fostering environmentally conscious communities.

Analisis Manfaat Ekonomis Surau Dagang Bagi Saudagar Tradisional Minangkabau Dalam Perspektif Ekonomi Putri, Lara Aziza; Fahlefi, Rizal; Akmal, Reza; Zikri, Miftahul
Imara: Jurnal Riset Ekonomi Islam Vol 9, No 1 (2025): IMARA:JURNAL RISET EKONOMI ISLAM
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/imara.v9i1.14753

Background. Surau dagang memiliki peran strategis dalam mendukung aktivitas ekonomi saudagar tradisional Minangkabau. Selain berfungsi sebagai tempat persinggahan, surau dagang juga menjadi pusat pertukaran informasi, mediasi hubungan bisnis antar saudagar, serta wahana edukasi informal tentang strategi perdagangan. Peran multifungsi ini menjadikan surau dagang sebagai institusi sosial-budaya yang tidak hanya memperkuat kehidupan religius, tetapi juga berkontribusi nyata terhadap penguatan ekonomi lokal.Method. Penelitian ini menggunakan pendekatan kualitatif dengan jenis studi kasus. Lokasi penelitian dipilih secara purposif di Surau Dagang Sungai Pua, Kabupaten Tanah Datar, Sumatera Barat. Informan penelitian terdiri dari pengelola surau dan tokoh adat setempat. Teknik pengumpulan data dilakukan melalui wawancara mendalam, observasi lapangan, dan dokumentasi. Analisis data menggunakan pendekatan analisis tematik, yang meliputi proses reduksi data, kategorisasi, dan penarikan kesimpulan secara induktif.Results. Penelitian ini menemukan bahwa surau dagang masih aktif berfungsi sebagai tempat singgah, terutama bagi saudagar yang berdagang ke Pasar Batusangkar dan wilayah sekitarnya. Surau ini tidak hanya menyediakan fasilitas tempat tinggal sementara, tetapi juga menjadi ruang strategis untuk membangun jejaring dagang, berbagi informasi harga pasar, hingga membicarakan strategi distribusi barang antar daerah. Para saudagar menyebut keberadaan surau ini sebagai bagian penting dari "ekonomi silaturahmi" yang memperkuat kepercayaan dan loyalitas dalam jaringan perdagangan Minang.Conclusion. Temuan ini menunjukkan bahwa surau dagang berperan sebagai simpul terhadap teori ekonomi komunitas yang berbasis nilai-nilai budaya dan religius. Implikasi dari penelitian ini membuka peluang untuk mengembangkan kembali fungsi surau dagang sebagai model kelembagaan sosial dalam pengembangan ekonomi berbasis kearifan lokal. Penelitian lanjutan disarankan untuk menggali potensi replikasi model ini dalam konteks komunitas tradisional lain guna menciptakan ekosistem bisnis yang inklusif, efisien, dan berkelanjutan.

Pengaruh Motivasi, Disiplin dan Kepemimpinan Terhadap Kinerja Pegawai Dengan Budaya Organisasi Sebagai Variabel Intervening Di Dinas Dukcapil Kabupaten Tanah Datar Zetria, Fauza Dwi; Saputra, Megi; Rizal, Rizal; Pasrizal, Himyar; Fahlefi, Rizal
Jurnal Manajemen Bisnis Syariah Vol 5, No 1 (2025): Jurnal Manajemen Bisnis Syariah:MABIS
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/mabis.v5i1.14761

This study aims to analyze the effect of motivation, discipline and leadership on the performance of employees of the Dukcapil Service of Tanah Datar Regency which is mediated by organizational culture variables. This type of research is field research with a quantitative approach. The data collection technique used in this research is a questionnaire. The sample used in this study was 33 respondents with total sampling technique. The data analysis technique used is Path analysis. The results showed that motivation and leadership had no effect on organizational culture but discipline had an effect on organizational culture. Motivation has no effect on employee performance while discipline, leadership and organizational culture affect employee performance. Motivation, discipline and leadership have no effect on employee performance through organizational culture. Organizational culture as an intervening variable is not able to mediate the variables of motivation, discipline and leadership so that these three variables have a direct influence on the performance of employees of the Dukcapil Office of Tanah Datar Regency..

Pengaruh Kompetensi dan Persepsi Mahasiswa Terhadap Fresh Graduate Syndrom Untuk Bekerja di Perbankan Syariah Fitria, Nita; Lestari, Widia; Shabri, Husni; Fahlefi, Rizal
Al-bank: Journal of Islamic Banking and Finance Vol 5, No 2 (2025): July - Desember 2025
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v5i2.15097

This research aims to determine the influence of competence and perception on fresh graduate syndrome working in sharia banking for students of the Sharia Banking Study Program at UIN Mahmud Yunus Batusangkar. The type of research used is quantitative research with data collection techniques using questionnaires. The results of this research show that the competency of sharia banking alumni influences fresh graduate syndrome working in sharia banking. Students need to develop various relevant competencies during the study period to minimize the impact of the syndrome of working in sharia banking. Competencies that new graduates must have include mastery of sharia banking knowledge, technical banking skills, financial analysis skills. Apart from increasing competence, forming a positive perception of the sharia banking industry also plays an important role in preparing students to face the world of work. Simultaneously, the competence and perception of Islamic banking alumni at the State Islamic University Mahmud Yunus Batusangkar influence the fresh graduate syndrome working in sharia banking. By combining competency development and forming positive perceptions, students will be ready to face the challenges of the world of work and can reduce the risk of fresh graduate syndrome and increase opportunities for career success in the sharia banking industry.

Utilization of Agricultural Land During the Planting Break in Jorong Mandahiling Nagari Pagaruyung, West Sumatra: Sharia and Legal-Formal Economic Perspectives Fahlefi, Rizal; Alimin, Alimin; Nauri, Indah Fitrah
Asy-Syir'ah: Jurnal Ilmu Syari'ah dan Hukum Vol 55 No 1 (2021)
Publisher : UIN Sunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/ajish.v55i1.928

Abstract: The study aims to explain the pattern and legal perspective of the practice of agricultural land use cooperation during the planting break in Jorong Mandahiling, Tanah Datar Regency, West Sumatra Province. This research uses a case study method which is analyzed qualitatively. The research subjects consisted of 21 land owners and 21 land cultivators. The results showed that there are three patterns of land use cooperation during the planting break in Jorong Mandahiling. Based on three patterns of cooperation, there are three types of contracts that apply from the point of view of sharia economic law, namely: first, leasing on land (kirā’ al-ardh); second, profit sharing system (mudhārabah); and third, combination of profit sharing system and joint venture (mudhārabah musytarakah) with a profit sharing system which does not fulfill the principle of fairness in transactions. Viewed from the perspective of sharia economic law and existing legal-formal, the practice of profit sharing in land use cooperation during the planting break is not fully in accordance with existing provisions, especially in the principle of fairness in transactions, because, two of the three contracts that are practiced are more profitable for land owners and unfair for culvtivators.Abstrak: Penelitian ini bertujuan untuk menjelaskan pola dan tinjauan hukum terhadap praktik kerja sama pemanfaatan lahan pertanian selama masa jeda tanam di Jorong Mandahiling, Kabupaten Tanah Datar, Provinsi Sumatera Barat. Penelitian menggunakan metode studi kasus yang dianalisis secara kualitatif. Subjek penelitian terdiri dari 21 orang pemilik lahan dan 21 orang penggarap lahan. Hasil penelitian menunjukkan bahwa terdapat tiga pola kerja sama pemanfaatan lahan pada masa jeda tanam di Jorong Mandahiling. Dari tiga pola kerja sama tersebut, terdapat tiga jenis akad yang berlaku dari sudut pandang hukum ekonomi syariah, yaitu: pertama, sewa atas tanah (kirā’ al-ardh); kedua, sistem bagi hasil (mudhārabah); dan ketiga, perpaduan sistem bagi hasil dan kongsi (mudhārabah musytarakah) dengan sistem bagi hasil yang tidak memenuhi prinsip keadilan bertransaksi. Ditinjau dari perspektif hukum ekonomi syariah dan legal-formal yang ada, praktik bagi hasil dalam kerja sama pemanfaatan lahan pada masa jeda tanam tersebut belum sepenuhnya sesuai dengan ketentuan yang ada, khususnya dalam prinsip keadilan bertransaksi, karena dua dari tiga akad yang dipraktikkan lebih menguntungkan bagi pemilik lahan dan tidak adil bagi penggarap lahan.

The Role of Islamic Philanthropy in Disaster Relief in Indonesia and Japan Firdaus, Rahmat; Fahlefi, Rizal; Wadi, Moh.; Kamali, Kamali
Asian Journal of Muslim Philanthropy and Citizen Engagement Vol. 1 No. 1 (2025): Asian Journal of Muslim Philanthropy and Citizen Engagement
Publisher : MD Research Center Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63919/ajmpce.v1i1.12

This study explores the role of Islamic philanthropic instruments, zakat, waqf, and sadaqah in strengthening disaster management systems in Indonesia and Japan. Employing a library research method through systematic review and comparative analysis, the research draws on scholarly literature, institutional reports, and policy documents to assess potential integration. It finds that in Indonesia, these mechanisms offer vital resources for rapid response and recovery but face challenges related to regulatory coordination and organizational capacity. In Japan, the ethical principles underlying Islamic philanthropy resonate with existing cultural values of solidarity, presenting an opportunity to enhance community resilience models. The study concludes that strategic, context-sensitive collaboration between philanthropic organizations, government agencies, and local communities is essential to leverage these tools effectively. Such partnerships can significantly contribute to building more adaptive, inclusive, and resilient disaster management frameworks in both socio-religious contexts.

Analisis Penyebab Pengusaha Peron Kelapa Sawit Tidak Membayar Zakat Di Kecamatan Tigo Nagari Kabupaten Pasaman Perspektif Ekonomi Islam Gustomi, Asrul; Fahlefi, Rizal; Firdaus, Nil
Al-Hisbah Jurnal Ekonomi Syariah Vol 5 No 2 (2025): Jurnal Alhisbah
Publisher : Institute Agama Islam Tafaqquh Fiddin Dumai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57113/his.v5i2.473

This study aims to analyze the factors causing palm oil platform entrepreneurs not to pay zakat from an Islamic economic perspective, analyze the obstacles and challenges of palm oil platform entrepreneurs in paying zakat and to describe how religious leaders socialize the importance of paying zakat in palm oil platform businesses. This study was conducted on Palm Oil Platform entrepreneurs in Tigo Nagari District, Pasaman Regency. This type of research is field research with a qualitative approach. Data sources in this study are primary data sources and secondary data sources. The techniques used in data collection are observation, interviews and documentation. The techniques for analyzing data in this study are data reduction, data presentation and conclusions. The techniques for guaranteeing the validity of data in this study are source triangulation and time triangulation. The results of this study reveal that the factors causing palm oil platform entrepreneurs in Tigo Nagari District, Pasaman Regency not to pay zakat are understanding, low trust in amil zakat, excessive lifestyle, religiosity, social environment and the absence of sanctions by the government. Obstacles and challenges in the palm oil platform business are caused by unstable palm oil harvests and price fluctuations, difficulties in financial record-keeping, and high competition among platform owners. Religious leaders have been promoting the importance of paying zakat for palm oil platform businesses by visiting the homes of platform owners and holding lectures and religious studies.

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