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All Journal JURNAL HUKUM FITRAH:Jurnal Kajian Ilmu-ilmu Keislaman Jurnal Intelek Dan Cendikiawan Nusantara
Dina Febriani Darmansyah
Universitas Muhammadiyah Jakarta
Religion Humanities Education Social Sciences Other

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Social Security Programs in Islamic Law: A Comparative Study of Fatwa Institutions on Indonesia’s Health Insurance Sopa Sopa; Rini Fatma Kartika; Nurhadi Nurhadi; Dina Febriani Darmansyah; Taufiqurokhman Taufiqurokhman; Ma’mun Murod
Jurnal Hukum Vol 40, No 1 (2024): Jurnal Hukum
Publisher : Unissula

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26532/jh.v40i1.37174

Abstract

This research addresses the divergence of scholarly opinions regarding the legal status of Indonesia's National Health Insurance (BPJS Kesehatan) and its implications for Sharia compliance. The controversy arises from varying arguments put forth by the Indonesian Ulema Council (MUI) and Nahdlatul Ulama as the largest Islamic organization in Indonesia, which has implications for the pro-people government program. The study aims to identify and analyze the factors contributing to the disparities in fatwas issued by MUI and NU concerning national health insurance. Additionally, it examines the role of scholars in shaping public policies to ensure their alignment with Sharia principles. The method used in thos study is by employing a descriptive-analytical approach, this research combines document studies and interviews for data collection. Qualitative analysis, guided by ushul fiqh and fiqh siyasa principles, is used to evaluate the controversies surrounding national health insurance issues. The research reveals that discrepancies in fatwa rulings are rooted in differences in the focus of study. MUI emphasizes the contractual aspect, deeming National health insurance incompatible with Sharia principles. In contrast, NU highlights the program's societal benefits, considering it Sharia-compliant due to its social insurance components. This study demonstrates that scholars' involvement in policy formulation is essential to ensure compliance with Islamic law. The divergence of fatwas regarding national health insurance underscores the need for greater scholarly input in shaping pro-people government programs. This research offers a comprehensive analysis of the national health insurance controversy from a scholarly perspective, shedding light on the critical role of scholars in policy-making processes in predominantly Muslim countries
Enhancing Community Sanitation through the Integration of Istisna and Zakat Financing at Benteng Mikro Tangerang Cooperative Dina Febriani Darmansyah; Moh Khoirul Anam; M. Reza Prima
FITRAH: Jurnal Kajian Ilmu-ilmu Keislaman Vol 11, No 1 (2025): 8 Articles, Pages 1-156
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/fitrah.v11i1.14873

Abstract

Zakat funds are essential for supporting social activities. In rural areas, sanitation is a significant concern, making the allocation of zakat funds for sanitation facilities vital. This study aims to evaluate the sanitation program carried out by the Benteng Mikro Tangerang Cooperative and determine the efficiency of this initiative. The data collection involved conducting in-depth interviews with the Cooperative's management. The research findings indicate that both social and commercial funds were combined to develop sanitation in the Benteng Mikro Tangerang Cooperative Community. The Cooperative enhanced the limited social funds by incorporating commercial funds, which significantly boosted the financing for sanitation facilities. This activity also had a commercial impact on the Cooperative, such as facilitating financing distribution and generating profits from fund disbursement. The collection of social funds from the lower economic community was successful, resulting in substantial contributions. Social funds from and for non-Muslims were specifically segregated, and the non-Muslim community showed a high interest in contributing and making donations.
Evaluating Internal Audit, Corporate Governance, and Digital Fundraising in Improving Zakat Collection Moh Khoirul Anam; Laila Yumna; Dina Febriani Darmansyah
FITRAH: Jurnal Kajian Ilmu-ilmu Keislaman Vol 11, No 2 (2025): 10 Articles, Pages 157-370
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/fitrah.v11i2.16990

Abstract

This study aims to analyze management policies including internal audit development, Corporate Governance, and digital fundraising strategies and their influence on fundraising performance at Zakat institutions in Indonesia. Employing a quantitative Structural Equation Model (SEM) approach, with data analysis conducted using Smart PLS 4, data was collected via questionnaires distributed to Zakat Amil across various institutions. The results indicate that the internal audit process significantly affects Corporate Governance. Crucially, both Corporate Governance and digital fundraising were found to have a strong positive effect on Zakat fundraising outcomes. These predictor variables demonstrate very strong explanatory power, evidenced by R-squared values of 0.911 for Corporate Governance and 0.961 for Zakat collection, collectively explaining a significant portion of the variation in Zakat collection. Therefore, the main recommendation of this research is the reinforcement of internal audit as a determinant of effective governance and sustained investment in digital fundraising to maximize national Zakat potential. 
Pengaruh Pengetahuan dan Religiusitas Masyarakat terhadap Minat Menabung di Bank Syariah Dania Dania; Dina Febriani Darmansyah
Jurnal Intelek Dan Cendikiawan Nusantara Vol. 3 No. 04 (2026): AGUSTUS - SEPTEMBER 2026
Publisher : PT. Intelek Cendikiawan Nusantara

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Abstract

Penelitian ini dimotivasi oleh rendahnya tingkat partisipasi dan minat masyarakat dalam menabung di bank syariah dibandingkan dengan bank konvensional, meskipun sektor perbankan syariah di Indonesia telah mengalami pertumbuhan yang signifikan. Rendahnya minat ini diduga dipengaruhi oleh tingkat pengetahuan masyarakat mengenai prinsip dan metode operasional perbankan syariah, serta tingkat religiusitas. Studi ini bertujuan untuk menganalisis pengaruh pengetahuan terhadap minat menabung di bank syariah, pengaruh religiusitas terhadap minat menabung di bank syariah, dan mengidentifikasi faktor-faktor paling dominan yang memengaruhi minat masyarakat dalam menabung di bank syariah. Studi ini menggunakan pendekatan kuantitatif dengan teknik pengumpulan data melalui penyebaran kuesioner. Populasi penelitian adalah masyarakat RT 07 dengan sampel 65 responden. Data yang diperoleh dianalisis menggunakan metode statistik dengan bantuan perangkat lunak IBM SPSS Statistics. Hasil penelitian menunjukkan bahwa pengetahuan dan religiusitas secara signifikan memengaruhi minat menabung di bank syariah. Dengan demikian, dapat disimpulkan bahwa semakin tinggi tingkat pengetahuan masyarakat tentang perbankan syariah dan semakin tinggi tingkat religiusitas, semakin besar minat masyarakat dalam menabung di bank syariah
Pengaruh Kemudahan dan Keamanan terhadap Minat Mahasiswa Menggunakan E-Wallet (Studi Kasus Pada Mahasiswa Angkatan 2022 S1 FAI UMJ) Laili Khairunnisa; Dina Febriani Darmansyah
Jurnal Intelek Dan Cendikiawan Nusantara Vol. 3 No. 04 (2026): AGUSTUS - SEPTEMBER 2026
Publisher : PT. Intelek Cendikiawan Nusantara

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Abstract

Pertumbuhan industri teknologi finansial telah membuat lebih banyak mahasiswa memilih e-wallet sebagai pilihan pembayaran. Namun, faktor utama yang membuat e-wallet menarik bagi mahasiswa adalah kemudahan dalam penggunaan dan tingkat keamanannya. Penelitian ini bertujuan untuk mengkaji bagaimana kemudahan penggunaan serta aspek keamanan berkontribusi terhadap kecenderungan mahasiswa Angkatan 2022 di Fakultas Agama Islam Universitas Muhammadiyah Jakarta dalam memanfaatkan e-wallet. Penelitian ini adalah sebuah studi kuantitatif yang memperoleh informasi melalui penggunaan kuesioner. Sebanyak 63 responden dijadikan sampel dengan penerapan rumus slovin.  Proses analisis data dilakukan dengan teknik  regresi linear berganda yang didukung oleh software SPSS. Berdasarkan temuan uji t, kemudahan mempunyai dampak yang baik dengan nilai signifikansi 0,000 dan nilai t hitung sebear 5,448, sedangkan keamanan juga memberikan dampak yang baik dengan tingkat signifikansi 0,000 dan nilai t yang mencapai 4,532. Dengan hasil F sebesar 60,902 dan tingkat signifikansi 0,000, keamanan dan kemudahan secara bersamaan memiliki dampak subtansial terhadap keinginan untuk menggunakan e-wallet. Akibatnya, terdapat pengaruh kemudahan dan keamanan terhadap keinginan mahasiswa untuk menggunakan e-wallet.
Co-Authors Dania Dania Laila Yumna Laili Khairunnisa M. Reza Prima Mamun Murod Moh Khoirul Anam Moh. Khoirul Anam Nurhadi Nurhadi Rini Fatma Kartika Sopa & Siti Rahmah Taufiqurokhman Taufiqurokhman