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All Journal Perisai : Islamic Banking and Finance Journal Iqtishaduna : Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah Journal of Social And Economics Research journal of social and economic research Jurnal Ilmiah Manajemen Dan Kewirausahaan Journal of Literature Review
Qomarul Huda
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Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

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Program Innovation in the National Amil Zakat Management System: A Step Towards Enhancing the Welfare of Mustahik Rozi, Muhammad Fakrur; Mashudi; Qomarul Huda
Perisai : Islamic Banking and Finance Journal Vol 8 No 1 (2024): April
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v8i1.1678

Abstract

The continued development of the ZIS management system which gave birth to new programs which are the result of the program innovations of each amil zakat institution is expected to be able to improve the welfare of mustahik in various fields. This study aims to find out the collection, distribution, utilization and reporting of zakat, infaq, alms (ZIS) funds at BAZNAS Tulungagung and NU Care-LAZISNU Tulungagung. This research method is qualitative with descriptive research type, data collection techniques with in-depth interviews, moderate participation observation and documentation, data analysis model of Miles and Huberman. Checking the validity of the data by extending observations, increasing persistence, triangulation and member checks. The results of this study are 1) collection at BAZNAS Tulungagung through UPZ, Bank Transfers, Counters/counters, by conducting outreach to agencies and social media Instagram Facebook and YouTube while NU Care- LAZISNU Tulungagung through the MWC, Twigs and congregation, bank transfers, zakat car, with socialization to congregations, and social media Instagram Facebook and WhatsApp groups. 2) Distribution of BAZNAS Tulungagung through education compensation programs, medicine for Islamic boarding schools, mass circumcision, house renovations, and Zakat Community Development (ZCD) for tourist villages while NU Care- LAZISNU Tulungagung through education care programs, free medical treatment, disaster response, mosque construction, programs wholesale. 3) Utilization of BAZNAS Tulungagung through a basic food distribution program for orphans totaling 1500 pcs each year, One Family One Bachelor scholarship (SKSS) at 4 universities in Tulungagung for underprivileged families, "fertile goat" farms of 50 goats in the area village of Besole, business capital for etek traders is 1 million rupiah, while NU Care-LAZISNU Tulungagung through the staple rice program for the poor, 550 free eyeglasses for mustahik in the education sector, 140 "integrated goat" farms in the village area pakisaji, business capital for small businesses or wholesalers of 2 million rupiah. 4) BAZNAS Tulungagung reporting through the BAZNAS Information Management System (SIMBA) and Instagram social media and the official website while NU Care-LAZISNU Tulungagung submits reports to BAZNAS Tulungagung, People's Welfare, Ministry of Religion and social media Instagram and Facebook and WhatsApp groups.
STRUKTUR DAN REGULASI LEMBAGA KEUANGAN SYARIAH BERDASARKAN FATWA DSN-MUI DI INDONESIA Ning Wijayanti; Dhika Nurrohman; Faisal Muchlis; Qomarul Huda; Mashudi
Journal of Social and Economics Research Vol 7 No 1 (2025): JSER, June 2025
Publisher : Ikatan Dosen Menulis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54783/jser.v7i1.933

Abstract

Perkembangan lembaga keuangan Syariah di Indonesia juga menghadapi berbagai tantangan. Faktor faktor seperti kurangnya pemahaman masyarakat, infrastruktur yang belum memadai. Regulasi keuangan Islam mencakup berbagai aturan dan prinsip yang dirancang untuk memastikan bahwa aktivitas keuangan berjalan sesuai dengan nilai-nilai syariah. menyoroti pentingnya regulasi yang kuat dalam mendorong pertumbuhan dan stabilitas sistem keuangan Syariah. Metode studi yang digunakan dalam penelitian ini adalah studi literatur yaitu pendekatan yang digunakan untuk mengumpulkan dan menganalisis informasi yang telah dipublikasikan sebelumnya. Dalam penelitian mengenai lembaga keuangan syariah, studi literatur menjadi penting untuk mengkaji berbagai teori, konsep, dan temuan penelitian yang relevan. fatwa yang dikeluarkan oleh MUI tidak dapat dianggap sebagai hukum negara yang memiliki kekuatan untuk dipaksakan kepada seluruh warga. Fatwa tersebut juga tidak diiringi sanksi dan tidak wajib dipatuhi oleh semua warga negara. Sebagai entitas sosial politik dalam kerangka ketatanegaraan.
STRUKTUR DAN REGULASI LEMBAGA KEUANGAN SYARIAH BERDASARKAN FATWA DSN-MUI DI INDONESIA Ning Wijayanti; Dhika Nurrohman; Faisal Muchlis; Qomarul Huda; Mashudi
Journal of Social and Economics Research Vol 7 No 1 (2025): JSER, June 2025
Publisher : Ikatan Dosen Menulis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54783/jser.v7i1.933

Abstract

Perkembangan lembaga keuangan Syariah di Indonesia juga menghadapi berbagai tantangan. Faktor faktor seperti kurangnya pemahaman masyarakat, infrastruktur yang belum memadai. Regulasi keuangan Islam mencakup berbagai aturan dan prinsip yang dirancang untuk memastikan bahwa aktivitas keuangan berjalan sesuai dengan nilai-nilai syariah. menyoroti pentingnya regulasi yang kuat dalam mendorong pertumbuhan dan stabilitas sistem keuangan Syariah. Metode studi yang digunakan dalam penelitian ini adalah studi literatur yaitu pendekatan yang digunakan untuk mengumpulkan dan menganalisis informasi yang telah dipublikasikan sebelumnya. Dalam penelitian mengenai lembaga keuangan syariah, studi literatur menjadi penting untuk mengkaji berbagai teori, konsep, dan temuan penelitian yang relevan. fatwa yang dikeluarkan oleh MUI tidak dapat dianggap sebagai hukum negara yang memiliki kekuatan untuk dipaksakan kepada seluruh warga. Fatwa tersebut juga tidak diiringi sanksi dan tidak wajib dipatuhi oleh semua warga negara. Sebagai entitas sosial politik dalam kerangka ketatanegaraan.
Penerapan Prinsip Syariah dalam Produk Pembiayaan: Studi Kasus pada Lembaga Pembiayaan Syariah di Indonesia Siti Itsna Syamsiyah; Vina Maratus Salsabila; Putri Shinta Dewi; Mashudi Mashudi; Qomarul Huda
Jurnal Ilmiah Manajemen dan Kewirausahaan Vol. 4 No. 2 (2025): Jurnal Ilmiah Manajemen dan Kewirausahaan
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jimak.v4i2.4673

Abstract

This study aims to analyze the extent to which Sharia principles are implemented in financing products by Islamic financial institutions in Indonesia, with a focus on a case study of Bank Syariah Indonesia (BSI). This research employs a qualitative method with a literature study approach. The findings indicate that although financing products such as murabahah, ijarah, musyarakah, and mudharabah are theoretically designed in accordance with Sharia principles, in practice there are still deviations, particularly in procedural aspects and the execution of contracts (akad). One of the analyzed cases reveals an asset auction process involving a customer's collateral that is considered inconsistent with the principles of justice, deliberation (musyawarah), and transparency. This highlights the need for a comprehensive reinforcement of Sharia principles implementation—not only in product design but also in operational procedures and dispute resolution mechanisms. The study recommends enhancing Sharia literacy, evaluating internal standard operating procedures (SOPs), and ensuring more active supervision by the Sharia Supervisory Board to ensure that Islamic principles are genuinely embodied in the practices of Islamic finance in Indonesia.
SHARIAH INSURANCE AS AN ALTERNATIVE CHOICE FOR NON-MUSLIM COMMUNITIES IN INDONESIA: 1. History of Insurance in Indonesia 2. Basic Concept of Shariah Insurance 3. Shariah Insurance as an Alternative Across Religions Zulfah Jannatul Karimah; Rifa Nur Alifah; Qomarul Huda
Iqtishaduna: Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah Vol 7 No 1 (2025): Oktober
Publisher : Jurusan Hukum Ekonomi Syariah Fakultas Syariah dan Hukum Uin Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtishaduna.v7i1.58834

Abstract

Abstrak Asuransi syari’ah tidak hanya diminati oleh umat muslim saja, tetapi juga menjadi pilihan alternatif bagi masyarakat non-muslim di Indonesia. Penelitian ini bertujuan untuk mendeksripsikan asuransi syari’ah sebagai pilihan perlindungan risiko lintas agama. Metode kualitatif deskriptif melalui studi literatur dipilih untuk mengidentifikasikan faktor-faktor yang mempengaruhi minat masyarakat non-muslim terhadap produk asuransi syari’ah. hasil penelitian menujukkan bahwa penerimaan masyarakat non-muslim terhadap asuransi syari’ah dipengaruhi oleh presepsi, pemahaman, dan kebutuhan finansial mereka. Kendala utama yang sering dihadapi adalah kurangnya edukasi dan promosi yang menyebabkan asuransi konvensional lebih banyak dikenal. Dengan demikian, asuransi syari’ah dapat menjadi alternatif yang menarik dan beretika bagi masyarakat lintas agama apabila didukung dengan sosialisasi dan promosi yang efektif. Kata Kunci: Asuransi Syari’ah, Non-Muslim   Abstract Shariah insurance is not only in demand by Muslims, but also an alternative choice for non-Muslim communities in Indonesia. This research aims to describe shariah insurance as an interfaith risk protection option. Descriptive qualitative method through literature study was chosen to identify the factors that influence non-Muslims' interest in shariah insurance products. The results showed that non-Muslims' acceptance of shariah insurance is influenced by their perception, understanding, and financial needs. The main obstacle that is often faced is the lack of education and promotion which causes conventional insurance to be more widely known. Thus, shariah insurance can be an attractive and ethical alternative for interfaith communities if supported by effective socialization and promotion. Keywords: Insurance, Non-Muslims
Program Innovation in the National Amil Zakat Management System: A Step Towards Enhancing the Welfare of Mustahik: Inovasi Sistem Manajemen Amil Zakat Nasional dalam Upaya Meningkatkan Kesejahteraan Mustahik Rozi, Muhammad Fakrur; Mashudi; Qomarul Huda
Perisai : Islamic Banking and Finance Journal Vol. 8 No. 1 (2024): April
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v8i1.1678

Abstract

The continued development of the ZIS management system which gave birth to new programs which are the result of the program innovations of each amil zakat institution is expected to be able to improve the welfare of mustahik in various fields. This study aims to find out the collection, distribution, utilization and reporting of zakat, infaq, alms (ZIS) funds at BAZNAS Tulungagung and NU Care-LAZISNU Tulungagung. This research method is qualitative with descriptive research type, data collection techniques with in-depth interviews, moderate participation observation and documentation, data analysis model of Miles and Huberman. Checking the validity of the data by extending observations, increasing persistence, triangulation and member checks. The results of this study are 1) collection at BAZNAS Tulungagung through UPZ, Bank Transfers, Counters/counters, by conducting outreach to agencies and social media Instagram Facebook and YouTube while NU Care- LAZISNU Tulungagung through the MWC, Twigs and congregation, bank transfers, zakat car, with socialization to congregations, and social media Instagram Facebook and WhatsApp groups. 2) Distribution of BAZNAS Tulungagung through education compensation programs, medicine for Islamic boarding schools, mass circumcision, house renovations, and Zakat Community Development (ZCD) for tourist villages while NU Care- LAZISNU Tulungagung through education care programs, free medical treatment, disaster response, mosque construction, programs wholesale. 3) Utilization of BAZNAS Tulungagung through a basic food distribution program for orphans totaling 1500 pcs each year, One Family One Bachelor scholarship (SKSS) at 4 universities in Tulungagung for underprivileged families, "fertile goat" farms of 50 goats in the area village of Besole, business capital for etek traders is 1 million rupiah, while NU Care-LAZISNU Tulungagung through the staple rice program for the poor, 550 free eyeglasses for mustahik in the education sector, 140 "integrated goat" farms in the village area pakisaji, business capital for small businesses or wholesalers of 2 million rupiah. 4) BAZNAS Tulungagung reporting through the BAZNAS Information Management System (SIMBA) and Instagram social media and the official website while NU Care-LAZISNU Tulungagung submits reports to BAZNAS Tulungagung, People's Welfare, Ministry of Religion and social media Instagram and Facebook and WhatsApp groups.
Islam dan Pembangunan Ekonomi Negara-Negara Muslim: Telaah Kritis Atas Pandangan Pudelko dan Bhargava Muhammad Haris Abdul Hakim; Qomarul Huda; Mashudi; Aminatur Rosidah
Journal of Literature Review Vol. 1 No. 1 (2025): JUNI 2025
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/8fz63v15

Abstract

Artikel ini merupakan kajian kritis terhadap tulisan Markus Pudelko dan Neeraj K. Bhargava yang berjudul The Influence of Islam on the Economic Development of Muslim Countries. Artikel tersebut mengemukakan argumen bahwa Islam sebagai sistem budaya menghambat pertumbuhan ekonomi negara-negara Muslim, khususnya di kawasan Arab. Dengan menggunakan pendekatan studi pustaka dan analisis komparatif, artikel ini membantah generalisasi dan bias metodologis dalam tulisan tersebut. Kajian ini menemukan bahwa pendekatan yang mereduksi Islam ke dalam kategori budaya cenderung menyederhanakan kompleksitas hubungan antara agama, politik, dan ekonomi. Selain itu, terdapat bias geografis dalam generalisasi terhadap negara-negara Muslim. Temuan ini diperkuat dengan data dan studi dari negara-negara seperti Indonesia, Malaysia, dan Turki yang membuktikan bahwa nilai-nilai Islam dapat selaras dengan pembangunan ekonomi modern apabila dijalankan secara kontekstual dan demokratis. Kajian ini menekankan pentingnya pendekatan yang lebih holistik dan adil dalam memahami keterkaitan antara Islam dan pembangunan ekonomi.
Co-Authors Aminatur Rosidah Dhika Nurrohman Faisal Muchlis Mashudi Mashudi , Mashudi Mashudi Muhammad Haris Abdul Hakim Ning Wijayanti Putri Shinta Dewi Rifa Nur Alifah Rozi, Muhammad Fakrur Siti Itsna Syamsiyah Vina Maratus Salsabila Zulfah Jannatul Karimah