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All Journal Fikrah: Jurnal Ilmu Aqidah dan Studi Keagamaan BISNIS : Jurnal Bisnis dan Manajemen Islam
Amin Al Jawi, Amin
Mahasiswa S2
Religion Humanities

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Komodifikasi Agama dalam Bisnis Social Crowdfunding di Indonesia Al Jawi, Amin; Nurhayati, Nurhayati; Soemitra, Andri
FIKRAH Vol 11, No 1 (2023): June 2023
Publisher : Prodi Aqidah dan Filsafat Islam, Fakultas Ushuluddin, Universitas Islam Negeri Sunan Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/fikrah.v11i1.19211

Abstract

This study aims to criticize and reconstruct the concept of commodification of religion in order to further reveal whether social crowdfunding business activities which are currently booming in Indonesia have become part of the practice of commodification of religion. This research is a qualitative research with a case study approach based on literature studies which is analyzed using data processing techniques Miles & Huberman with three stages, namely: data reduction, data display, conclusion and verifying. The results of the study found that: First, the practice of commodification of religion in social crowdfunding business activities and/or all other business activities must be viewed comprehensively (textually and contextually) from various perspectives so that mal-perceptions do not occur, because the commodification of religion is between marketing strategies, exploitation religion, and the need for religion which has positive and negative impacts according to their characteristics, in addition to the fact that discourse on religion has complexity and is multi-dimensional. Second, social crowdfunding business activities in Indonesia meet the criteria for the practice of commodification of religion, but are casuistic in nature, and do not apply generally to all fundraisers and/or managers of social crowdfunding platforms. The findings in this study are expected to place the concept of commodification of religion in business marketing as a whole, that the commodification of religion is not only a matter of religious exploitation and has a negative connotation. In order not to get caught up in religious exploitation practices, social crowdfunding businesses and all other business people must change their orientation, that business in religion (Islam) is not only about personal gain, but also about the benefit of society and the environment.
Mitigasi Pembiayaan Mudharabah Perbankan Syariah di Indonesia Melalui Pendayagunaan Cash Waqf Fund Al Jawi, Amin; Siregar, Saparuddin; Sugianto, Sugianto
BISNIS Vol 10, No 1 (2022): BISNIS: Jurnal Bisnis dan Manajemen Islam
Publisher : Universitas Islam Negeri Sunan Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/bisnis.v10i1.13429

Abstract

This paper aims to uncover the main problem as well as to offer alternative solutions to the realization of mudharabah financing for Islamic banks in Indonesia, which is still 3% as of June 2021, through optimizing the role and authority of Islamic banks in the management of cash waqf. This study uses a descriptive method with a qualitative approach. The main problem of mudharabah financing is the high risk of loss of Islamic banks which have the potential to be unable to provide profit sharing to their depositors (negative profit sharing), therefore Islamic banks must look for alternative sources of deposits with a return rate of 0%, one of which is a source of cash waqf. By regulation, currently the authority of Islamic banks in the management of cash waqf is still limited to cashiers (traffic cash waqf funds) with their position as LKS-PWU. To increase mudharabah financing through cash waqf sources, Islamic banks must optimize their role as Nazhir through changes to Law Number 41 of 2004 and its derivation regulations, so that the money waqf funds that have been collected can be directly channeled to productive and prospective sectors for economic empowerment of the people through mudharabah financing. In addition, Islamic banks can reproduce the profits from the financing to the micro business sectors, the poor, and/or other sectors so that the profit-oriented and social-oriented missions of Islamic banks can run in a balanced way.
Co-Authors Andri Soemitra Nurhayati, Nurhayati Saparuddin Siregar Sugianto Sugianto