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All Journal Musyarakah: Journal of Sharia Economics (MJSE)
Muhammad Adi Riswan Al-Mubarak
Institut Agama Islam Darussalam, Martapura, Kalimantan Selatan
Religion Economics, Econometrics & Finance

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Analisis SWOT Terhadap Motivasi Penggunaan Transaksi Non Tunai (E- Money Syariah) oleh Pelaku UMKM Lola Malihah; Muhammad Yulian Ma'mun; Muhammad Adi Riswan Al-Mubarak; Rizqi Amalia
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Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (240.872 KB) | DOI: 10.2426/mjse.v1i2.4183

Abstract

The necessity of easy-to-use financial services applications emerges as people's needs and mobility in the recent digital era become more complex than before. Users expect Islamic-based electronic money (e-money) applications to provide convenience in their transactions. But the development of these apps has some shortcomings. Among them is that users must connect to a good and stable internet network to run the application properly. In addition, the potential threats of cybercrimes often worry the public, which may reduce their interest in Islamic e-money applications. This study uses a qualitative descriptive approach. It aims to determine the problems in non-cash transactions within Islamic e-money applications by using SWOT analysis. This research obtains data through a combination of observation, interviews, documentation, and triangulation. Thus, this study recommends that Islamic e-money publishers improve application security systems to keep users secure and safe. It also suggests that Islamic financial institutions should expand the education of non-cash transactions and strengthen the promotion of the apps to reach a wider audience from the public and MSMEs businesspeople.
Rekonstruksi Undang-Undang Nomor 23 Tahun 2011 Tentang Pengelolaan Zakat (Analisis Hukum Ekonomi Syariah) Muhammad Adi Riswan Al-Mubarak; Nurul Iman; Febri Wimpi Hariadi
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Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (319.88 KB) | DOI: 10.2426/mjse.v1i1.4166

Abstract

This study aims to determine the reconstruction of Law Number 23 of 2011 concerning Zakat Management and analyze it according to the view of Sharia Economic Law. This research is a normative legal research which is a literature study. Based on the results of the study indicate that Law no. 23 of 2011 on Zakat Management talks more about zakat management institutions, the requirements for establishing LAZ and sanctions for LAZs that do not report their zakat management. This law excludes sanctions for muzakki who do not want to pay their zakat. Even though one of the instruments for increasing income from the increasing potential of zakat is the existence of coercion to muzakki to issue zakat. At least provide legality and legal protection for amil in carrying out the task of collecting zakat from muzakki. Legislation can be said to be good and valid according to law, effective and acceptable to the community and valid for a long time, must be based on the basis of legislation. The basis of the legislation includes 3 foundations, philosophical, sociological and juridical foundations. Law No. 23 of 2011 concerning Zakat Management does not seem to cover a juridical basis because there are no articles that further regulate legality and legal protection for amil in carrying out their duties as zakat collectors for muzakki.
Co-Authors Febri Wimpi Hariadi Lola Malihah Muhammad Yulian Ma'mun Nurul Iman Rizqi Amalia