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All Journal MUQTASID Sawwa: Jurnal Studi Gender Jurnal Ekonomi & Keuangan Islam Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Equilibria Pendidikan : Jurnal Ilmiah Pendidikan Ekonomi International Journal of Islamic Business and Economics (IJIBEC) Ulumuddin : Jurnal Ilmu-ilmu Keislaman Budimas : Jurnal Pengabdian Masyarakat ASIAN JOURNAL OF ISLAMIC MANAGEMENT (AJIM) AL-ARBAH: Journal of Islamic Finance and Banking Journal of Sharia Economics Journal of Islamic Economics, Management, and Business (JIEMB) HUMANISMA : Journal of Gender Studies Equilibrium: Jurnal Ekonomi Syariah Jurnal Ilmiah Manajemen Ekonomi Dan Akuntansi (JIMEA) International Conference on Islamic Economic International Journal of Islamic Business and Economics (IJIBEC) Jurnal At-Tanmiyah Ekonomi dan Bisnis Islam BISNIS : Jurnal Bisnis dan Manajemen Islam
Sokhikhatul Mawadah
Universitas Islam Negeri Walisongo Semarang
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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REVITALISASI FUNGSI BAITUL MAAL: STUDI KOMPARATIF PENGELOLAAN ZISWAF ERA RASULULLAH SAW., DAN MASJID JOGOKARIYAN Nea Sasgapata Kurniawan, Anugallakata; Mawadah, Sokhikhatul; Anwar, Khoirul
Journal of Sharia Economics Vol. 7 No. 1 (2026): Islamic Economics
Publisher : Program Studi Magister Ekonomi Syariah UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jose.v7i1.9796

Abstract

The phenomenon of modern mosque management, which tends to be oriented toward cash balance accumulation (saving oriented), contradicts the practice of baitulmal in early Islam, which emphasized high liquidity for the rapid resolution of social problems. This study aims to analyze the revitalization of the baitulmal function through the implementation of the “Zero Balance” strategy at the Jogokariyan Mosque in Yogyakarta. Using a qualitative approach with a descriptive-comparative case study method, this study compares field data from interviews and observations with classical Islamic historical literature, particularly the book Al-Amwal by Abu Ubaid. The results of the study show that: (1) The application of the “Zero Balance” philosophy is a contemporary manifestation of the principle of fauriyah (immediate distribution) which rejects the hoarding of entrusted assets in order to maintain the economic circulation of the community; (2) The “Spearhead and Spearpoint” leadership strategy is effective in building strong social trust through the exemplary sacrifice of personal wealth by administrators, as practiced by the Companions; and (3) The transformation of the distribution pattern from consumptive assistance to productive empowerment (fiqh al-tamkin) is realized through an interest-free business capital scheme and operational independence support from the Mosque-Owned Enterprise (BUMas). This study concludes that the integration of prophetic values and modern management is capable of restoring the strategic role of mosques as centers of civilization and instruments of economic independence for the community.
SKBDN Products: Implementation of Sharia Compliance in Bank Syariah Indonesia Sokhikhatul Mawadah
AL-ARBAH: Journal of Islamic Finance and Banking Vol. 6 No. 1 (2024)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2024.6.1.20988

Abstract

Purpose - The aim of this research is to find out how BSI's sharia compliance applies to SKBDN (Domestic Letter of Credit) products.Method - This research is qualitative research. The data used is primary data originating from interviews with BSI employees. Secondary data was obtained from books, journals and previous research.Result - The results of the research state that the implementation of BSI Semarang City Sharia Compliance in SKBDN, namely BSI has implemented sharia compliance based on maqashid sharia, including: 1). Ad-dien: BSI is guided by the Koran, Hadith and other Islamic laws in carrying out all its operational systems and products. 2). an-nafs: SKBDN services involve several parties, including customers, BSI and goods providers. This is where it is important for the parties to be trustworthy. 3). al-aql: BSI participates in educating customers (provides education on every bank product to customers through seminars and training). 4). an-nasl: caring for offspring, BSI guarantees that customer funds come from halal funds which have a good impact on the family and descendants and 5). al-mal: BSI takes profit from the services of implementing SKBDN services through fees charged.Implication - This research explores Islamic values, with sharia maqashid indicators in sharia banking, especially in SKBDN products. It is hoped that service in sharia banking will be better and more customers (applicants) will choose SKBDN products in sharia banking.Originality - This article examines sharia compliance of sharia banks using the maqashid sharia approach. SKBDN applicants are more aware and comfortable choosing SKBDN services in sharia banking.
Implementation of Islamic values in the Quadruple Helix for circular creative economy Mawadah, Sokhikhatul; Ningsih, Tri Widyastuti; Kurniawan, Anugallakata Nea Sasgapata
Jurnal Ekonomi & Keuangan Islam Volume 12 No. 2, July 2026
Publisher : Faculty of Economics, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/JEKI.vol12.iss2.art15

Abstract

Purpose – This study examines the potential of culinary micro, small, and medium-sized enterprises (MSMEs), the roles of Quadruple Helix (QH) stakeholders (government, academia, business, and community), the implementation of the QH model in circular economy–based food waste management, and the integration of Islamic values within this framework.Methodology – A descriptive-exploratory qualitative approach was employed using in-depth interviews with representatives from government institutions (the MSME office and the environmental agency), 16 culinary MSMEs, academics and community stakeholders. Participants were purposively selected to represent the four QH sectors: Data were collected through structured interviews and analyzed via triangulation.Findings – Semarang’s culinary MSMEs possess considerable economic and cultural potential but continue to face structural constraints, including limited access to capital, licensing barriers, and unequal business capacity issues. Collaboration among QH stakeholders remains fragmented, project-based, and insufficiently coordinated to support food waste management and innovation. Although circular economy initiatives have been introduced, they have not been systematically integrated into MSME development. Islamic values, particularly halal–thayyib, anti-israf, and amanah, provide a strong ethical foundation for sustainable food waste management but have not been consistently translated into collaborative practice. Consequently, the QH ecosystem has yet to evolve into an integrated and sustainable innovation system in China.Practical Implications – Strengthening coordination among QH stakeholders and developing MSME-focused policies are essential for improving circular economy implementation. Integrating Islamic ethical values into collaborative governance can further support sustainable food waste management in the Muslim community.Originality/Value – This study offers a novel perspective by integrating the QH model, circular economy principles, and Islamic ethical values to explain food waste governance in culinary MSMEs, highlighting the role of multi-stakeholder collaboration and faith-based ethics in promoting sustainable waste management.
PENERAPAN KONSEP ZAKAT DAN PERAN PEMERINTAH DALAM KEBIJAKAN FISKAL: PENGENTASAN KEMISKINAN DI JAWA TENGAH Fadhila Zahrani; Naysila Intan Dwi Kirani; Sokhikhatul Mawadah
At-Tanmiyah Jurnal Ekonomi dan Bisnis Islam Vol 5 No 2 (2026): Desember, At-Tanmiyah: Jurnal Ekonomi dan Binis Islam
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Islam (STEBIS) Al-Ulum

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65778/atjebi.v5i2.116

Abstract

Abstract: This study explores the application of the principle of zakat and the government’s role in fiscal policy to address the issue of poverty. In addition to serving as one of the fundamental pillars of Islam, zakat also possesses significant potential as a mechanism for achieving a more equitable distribution of assets.. The objective of this study is to understand how the management of zakat and the policies implemented by the government can contribute to reducing poverty. The methodology chosen for this study is qualitative, employing a literature review approach using various sources such as books, articles, and journals relevant to Islamic economics, poverty, and fiscal policy. The findings of this study indicate that zakat management conducted effectively, transparently, and productively can make a positive contribution to increasing the income of the underprivileged, particularly through support for small businesses and economic empowerment. Furthermore, government involvement in the form of appropriate fiscal policies also plays a crucial role in fostering social welfare and reducing poverty levels. Therefore, zakat and government policies are interrelated in achieving economic justice and societal well-being. Keywords: zakat, fiscal policy, poverty, Islamic economics, social welfare.
Co-Authors Dessy Noor Farida Fadhila Zahrani Hikmah Prihatin Khoirul Anwar Kurnia Setyoningrum Kurniawan, Anugallakata Nea Sasgapata Leli Lismay M. Rifka Maulana M. Yogi Riyantama Isjoni Maulana, M. Rifka Muhammad Firman Khoiruddin Nashwa Maulidya Salsabila Naysila Intan Dwi Kirani Nea Sasgapata Kurniawan, Anugallakata Nihayah, Ana Zahrotun Ningsih, Tri Widyastuti Nur Huda Nurudin Nurudin Nurudin Nurudin Ratno, Fernaldi Anggadha Saadah, Ni’matus Tria Pibriani Wati Febriyanti