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All Journal Jurnal Inovasi Teknologi Pendidikan Laa Maisyir Jurnal Ekonomi Islam Sawwa: Jurnal Studi Gender Al-Mustashfa Jurnal Ilmiah Ekonomi Islam AKSIOLOGIYA : Jurnal Pengabdian Kepada Masyarakat Perisai : Islamic Banking and Finance Journal ISLAM KONTEMPORER Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah JESI (Jurnal Ekonomi Syariah Indonesia) BALANCE: Economic, Business, Management and Accounting Journal The Journal of Society and Media Humanism : Jurnal Pengabdian Masyarakat Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) Musyarakah: Journal of Sharia Economics (MJSE) Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah
Setiyowati, Arin
Muhammadiyah University Surabaya
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Public Health Social Sciences Other

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Ziswaf and Islamic Bank: Study of Ziswaf Fund Management at Bank Muamalat KC Darmo Surabaya Arin Setiyowati; Achmad Syaiful Hidayat
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 1 (2023): JIEI : Vol.9, No.1, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i1.7767

Abstract

This study aims to photograph the management of Ziswaf Faunds of Bank Muamalat KC Darmo as a bridge between muzakkin and mustahik (intermediaries) to fulfill their social function obligations. Sharia social funds (ZISWAF) at Bank Muamalat KC Darmo are sourced from employees and customers of Bank Muamalat KC Darmo. From the results of the funds collected, Bank Muamalat KC Darmo will distribute social funds as a whole to be managed and distributed by the Baitul Maal Muamalat National Amil Zakat Institution (LAZNAS) which is a subsidiary of Bank Muamalat Indonesia which is engaged in ZIS and waqf. Using a Qualitative Case Study approach. Data was collected by means of interviews and in-depth documentation. The results showed that the implementation in the management of Ziswaf Funds (ZISWAF) in Bank Muamalat KC Darmo uses a conservation pattern (achieving a sufficient level of profitability and a low and high level of risk).
Implementation of Sharia Compliance in ZIS Distribution at BSI Maslahat Based on DSN-MUI Fatwas Salma Nadia Salsabilla; Arin Setiyowati; Luluk Latifah
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol. 10 No. 1 (2025)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v10i1.19687

Abstract

The implementation of Sharia compliance in the management of zakat, infaq, and sadaqah (ZIS) funds is essential to ensure public trust and institutional accountability. This study aims to examine the extent to which BSI Maslahat, the official amil zakat institution affiliated with Bank Syariah Indonesia (BSI), complies with Sharia principles in distributing ZIS funds, particularly in terms of transparency and accountability. This research uses a qualitative method with a literature and documentary study approach. The data were sourced from BSI Maslahat’s annual reports from 2017 to 2023 and relevant fatwas issued by the National Sharia Council–Indonesian Ulema Council (DSN-MUI). Content analysis was applied to assess the alignment of ZIS distribution with Sharia principles, particularly DSN-MUI Fatwa No. 23/2020 and No. 71/2023. The findings indicate that ZIS distribution during the observed period did not fully comply with Fatwa No. 23/2020, as the riqab category was not included. However, improvements in transparency and reporting were evident in accordance with Fatwa No. 71/2023. These results are analyzed through Monzer Kahf’s Islamic Contract Theory, which emphasizes justice, transparency, and Sharia adherence. This study contributes to Islamic economic discourse by offering strategic recommendations to enhance ZIS fund management and compliance. It also serves as a reference for regulators and Islamic financial practitioners to improve institutional governance and public confidence in Islamic philanthropy.Keywords: BSI Maslahat; Sharia Compliance; ZIS Distribution; DSN-MUI; Islamic Contract Theory
Co-Authors Abdul Hakam Abdul Wahab Achmad Syaiful Hidayat Agus Budiman Ainol Yaqin SM Athiya Shinta Wulandari Ayu Rikza Danisa Nanda Pratiwi Dian Berkah Dian Lailatullailia Fatkur Huda Herlina Suksmawati Holy Ichda Wahyuni Idham Choliq Intan Febriyanti Isnawati Setyo Putri Junaidi Fery Efendi Kholifatu Azqiya' Latifah, Luluk Luluk Latifah M. Febrianto Wijaya Ma'ruf Sya'ban Maulida Maulida Moh. Yusron Muhammad Fatikhul Mufidz Phatriakalista Intan Apsari Phatriakalista Intan Apsari Praja Nuryananda Radius Setiyawan, Radius Ratih Puspitaningrum Rini Irfaniyah Ziya'ul Haqque Rizka Firdausy Nuzula rukhul amin Salbiyah, Siti Salma Nadia Salsabilla Salsabilla, Salma Nadia Sheilamida Nanda Muhaeni Teguh Wahyudi Zahrani Aya Sofiya