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Analisis Praktik Penyaluran Zakat Fitrah Di Desa Trimulya Ditinjau Dari Perspektif Hukum Islam Acok Pujiono; Haeran Haeran; Zeni Sunarti; Daud Daud; Kuswanto Kuswanto; Erwina Kartika Devi; Ahmad Hidayat
Journal of Innovative and Creativity (Joecy) Vol. 6 No. 2 (2026)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

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Abstract

This study aims to examine the actual mechanisms of zakat fitrah distribution in Trimulya Village and to analyze the practice's conformity with Islamic law and prevailing positive law in Indonesia. A descriptive qualitative method with a normative-empirical legal approach was employed. Primary data were gathered through field observations and in-depth interviews with informants selected via purposive sampling—including the village midwife, religious leaders, official zakat administrators, village officials, and community members acting as zakat payers. Secondary data were obtained through literature reviews, documentary research, and an analysis of relevant legislation. Data analysis utilized the Miles and Huberman interactive model, comprising three stages: data reduction, data display, and conclusion drawing/verification. The study yielded two key findings: First, the mechanism of distributing zakat fitrah to the village midwife in Trimulya is driven by strong emotional ties rooted in local tradition and a community sense of indebtedness; zakat is handed directly to the midwife's residence, after which she redistributes it to her own internal family network. Second, from the perspective of Islamic law, this practice is categorized as an invalid normative deviation. The village midwife is financially capable; thus, she is legally prohibited from receiving zakat and falls outside the eight categories of zakat recipients—a classification that is absolute and defined in Surah At-Taubah, verse 60. Because the requirement regarding the correct recipient was not met, the status of the zakat assets shifted to that of a hibah, meaning the muzaki have not yet fulfilled their Sharia obligation to pay zakat fitrah.
Financial Institutions' Responsibilities to Protect Customer Funds: An Islamic Economic Analysis of the Bank Jambi Case Achmad Hidayat; Daud Daud; Erwina Kartika Devi
Journal of Indonesian Islamic Studies Vol. 5 No. 2 (2026): Journal of Indonesian Islamic Studies (April)
Publisher : Postgraduate Program of the State Islamic Institute of Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/jiis.v5i2.10612

Abstract

This study aims to analyze the responsibility of financial institutions for protecting customer funds from an Islamic economic perspective, using Bank Jambi as a case study. The Bank Jambi case is relevant because, on February 22, 2026, a digital service system disruption occurred alongside customer reports of missing balances. The incident was followed by a forensic audit, reporting to the Jambi Regional Police, coordination with the Financial Services Authority (OJK) and Bank Indonesia, and a commitment to compensate affected customers. This research applies a descriptive qualitative method through a case-study approach and normative Islamic economic analysis. Data were obtained through literature review and documentation of public sources and Islamic economic literature. The findings indicate that, from an Islamic economic perspective, the responsibility of financial institutions does not stop at collecting and managing funds. It also includes the obligation to uphold trust (amanah), protect customer wealth, provide transparency, offer complaint mechanisms, and restore losses fairly. The handling of the Bank Jambi case shows institutional accountability through audit, legal reporting, and fund compensation. However, the Islamic economic perspective also requires stronger prevention, accountability, and systemic protection so that public trust can be maintained.
Co-Authors Achmad Hidayat Acok Pujiono Ahmad Hidayat Alisya Pitri Angga Ade Saputra Elma Abnaina Erwina Kartika Devi Gusti Gusti Haeran Haeran Hasna Dewi Khairul Zikri Khusnul Yatimah Kurniawan Kurniawan Kuswanto Kuswanto M. Arif Musthofa M.Arif Musthofa2 Muhammad Tang Munip, Al Noferiadin Noferiadin Nur Asiah Puput Indarwati Reza Okva Marwendi Ruslan Ruslan Siti Fatimah Sri - Kadarsih Supriandi Supriandi Taufik Hidaya Wandi Wandi Zeni Sunarti