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All Journal FADZAT Jurnal Ekonomi Syariah
Maharati, Cindy
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Religion Humanities

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Implementasi Akad Syirkah pada Usaha dengan Merk Dagang De Perfect Skincare Maharati, Cindy
FADZAT: Jurnal Ekonomi Syariah Vol. 3 No. 2 (2023): Edisi Juni
Publisher : Sekolah Tinggi Ilmu Ekonomi Syariah Riyadlul Jannah Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58787/fdzt.v3i2.45

Abstract

This research discusses the implementation of the syirkah contract in a business with the trademark "De Perfect Skincare". Syirkah is a form of partnership in Islamic law where two or more parties share capital, expertise and responsibility in a business. This research is in-depth about how the syirkah contract is applied in the context of the increasingly growing skin care business, especially under the "De Perfect Skincare" brand. Through an Islamic legal analysis approach and case studies, this research investigates the legal and practical aspects of the syirkah contract, as well as its impact on the sustainability and success of this business. The findings in this research show that De Perfect Skincare for syirkah goes through many processes that are not easy. His thinking is about a business that is supported by the concept of sharia and aims not only to achieve profits in the world, but also to be safe in the afterlife and remain within the corridors of Islamic principles. Companies that are built apply Syirkah Akad, namely syirkah that occurs because there is an agreement between two or more parties for work (charity) and/or capital (mal) to obtain profits. The conclusion is that a business system based on sharia, in this case the syirkah system, is a system that really humanizes humans, because it upholds economic principles as well as sharia principles which are of course oriented towards the common good.
Kepemilikan Umum dalam Pandangan Islam Maharati, Cindy
FADZAT: Jurnal Ekonomi Syariah Vol. 3 No. 1 (2022): Edisi Desember
Publisher : Sekolah Tinggi Ilmu Ekonomi Syariah Riyadlul Jannah Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58787/fdzt.v2i2.54

Abstract

The significant difference between the conventional economic system and the Islamic Economic System can be seen from the ownership rules. If in the conventional economic system that we adhere to factually today, individual ownership has no limits and the absolute requirement for the system to run is the free market mechanism. Whereas in the Islamic Economic System, ownership rules are divided and regulated on the basis of sharia, and the operation of the system is absolute on the basis of sharia laws. Islamic economics regulates human economic procedures since humans want to own property. Humans must understand the division of ownership of God's treasures on this earth. Which part of the property is legally allowed to be owned by individuals, which part is included in public ownership, and which part belongs to the state.
Peran Pesantren dalam Menggerakkan Ekonomi Lokal melalui Penerimaan Santri Baru di Pondok Pesantren Riyadlul Jannah Mojokerto Maharati, Cindy
FADZAT: Jurnal Ekonomi Syariah Vol. 4 No. 2 (2024): Edisi Juni
Publisher : Sekolah Tinggi Ilmu Ekonomi Syariah Riyadlul Jannah Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58787/fdzt.v4i2.97

Abstract

Penelitian ini bertujuan untuk menganalisis peran penerimaan santri baru dalam menggerakkan ekonomi lokal di Pondok Pesantren Riyadlul Jannah Mojokerto. Penelitian ini menggunakan pendekatan kualitatif dengan metode studi kasus. Data diperoleh melalui wawancara mendalam dengan pengurus pesantren, santri, dan masyarakat sekitar, observasi partisipatif, serta dokumentasi dari dokumen resmi pesantren. Analisis data dilakukan menggunakan teknik analisis tematik yang mencakup pengkodean awal, pengelompokan tema, dan interpretasi data. Hasil penelitian menunjukkan bahwa penerimaan santri baru di pesantren ini memiliki dampak signifikan terhadap perekonomian lokal. Dampak tersebut mencakup peningkatan pendapatan masyarakat melalui permintaan tinggi akan barang dan jasa, pembukaan lapangan kerja baru di sektor perumahan, kuliner, perdagangan, dan transportasi, serta penguatan modal sosial yang tercipta dari kegiatan sosial dan keagamaan di pesantren. Selain itu, pesantren juga berperan dalam pengembangan sumber daya manusia dengan memberikan pelatihan keterampilan yang relevan bagi santri, yang kemudian dapat diterapkan dalam kehidupan masyarakat setelah lulus. Penelitian ini menyimpulkan bahwa pesantren tidak hanya berfungsi sebagai lembaga pendidikan agama tetapi juga sebagai motor penggerak ekonomi lokal. Saran yang diajukan termasuk penguatan kegiatan ekonomi yang melibatkan santri dan masyarakat, kerjasama dengan pemerintah dan sektor swasta untuk mendukung pengembangan ekonomi lokal, peningkatan kualitas pendidikan di pesantren, serta pemantauan dan evaluasi rutin terhadap dampak ekonomi dari kegiatan pesantren. Temuan ini diharapkan dapat menjadi acuan bagi pengembangan kebijakan dan praktik yang mendukung pertumbuhan ekonomi lokal melalui pendidikan pesantren.
Prinsip-prinsip Ekonomi Syariah dan Tujuan Utamanya Maharati, Cindy
FADZAT: Jurnal Ekonomi Syariah Vol. 5 No. 2 (2025): Edisi Juni
Publisher : Sekolah Tinggi Ilmu Ekonomi Syariah Riyadlul Jannah Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Ekonomi syariah merupakan sistem ekonomi yang didasarkan pada prinsip-prinsip hukum Islam (Shariah) dengan tujuan utama mencapai keadilan sosial dan kesejahteraan masyarakat. Penelitian ini menganalisis prinsip-prinsip fundamental ekonomi syariah dan mengkaji tujuan utamanya melalui pendekatan Maqasid Shariah. Metodologi penelitian menggunakan pendekatan kualitatif dengan analisis literatur sistematis terhadap berbagai publikasi akademis yang terindeks Scopus. Hasil penelitian menunjukkan bahwa prinsip-prinsip utama ekonomi syariah meliputi larangan riba (interest), gharar (ketidakpastian berlebihan), dan maysir (spekulasi), serta kewajiban distribusi kekayaan melalui zakat dan wakaf. Tujuan utama ekonomi syariah adalah merealisasikan Maqasid Shariah yang terdiri dari perlindungan terhadap agama (hifz al-din), jiwa (hifz al-nafs), akal (hifz al-aql), keturunan (hifz al-nasl), dan harta (hifz al-mal). Implementasi prinsip-prinsip ini dalam praktik ekonomi modern menunjukkan potensi signifikan dalam menciptakan sistem ekonomi yang lebih adil, berkelanjutan, dan inklusif. Penelitian ini memberikan kontribusi teoretis dan praktis bagi pengembangan ekonomi syariah sebagai alternatif sistem ekonomi yang berorientasi pada kesejahteraan sosial dan keadilan distributif
Optimalisasi Zakat Produktif dalam Mendorong Pertumbuhan Ekonomi UMKM Berbasis Syariah di Indonesia Maharati, Cindy
FADZAT: Jurnal Ekonomi Syariah Vol. 5 No. 1 (2024): Edisi Desember
Publisher : Sekolah Tinggi Ilmu Ekonomi Syariah Riyadlul Jannah Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58787/fdzt.v5i1.211

Abstract

This study aims to examine the strategic role of productive zakat in promoting the growth of sharia-based micro, small, and medium enterprises (MSMEs) in Indonesia. Employing a qualitative-conceptual approach through an extensive literature review, the research offers a theoretical and empirical synthesis of the contributions of productive zakat across three economic levels: micro, meso, and macro. The findings reveal that productive zakat not only increases income and economic self-reliance among beneficiaries (mustahik) but also strengthens local Islamic economic ecosystems and supports national poverty reduction efforts. These contributions position zakat as a transformative and sustainable socio-economic instrument. However, the optimization of productive zakat faces structural challenges, including weak institutional integration, low Islamic financial literacy, and underdeveloped regulatory frameworks. Therefore, institutional transformation is necessary through empowerment-oriented fiscal policies, digitalized beneficiary data systems, and alignment of zakat programs with the national roadmap for sharia-based MSME development. Overall, the study confirms that productive zakat holds great potential as a foundational pillar for an inclusive, just, and sustainable Islamic economic system.
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