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All Journal Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Journal of Ekonomics, Finance, and Management Studies
Khusnul Lailia
Universitas Islam Negeri Salatiga
Religion Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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Antara Kritik Kapitalisme dan Sosialisme Menuju Sistem Ekonomi Islam yang Berkeadilan: Telaah Pemikiran Ekonomi Muhammad Umer Chapra Khusnul Lailia; Agus Waluyo
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 2 (2026): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v8i2.10541

Abstract

This study aims to examine in depth Muhammad Umer Chapra's economic thinking in criticizing the capitalist and socialist systems, as well as highlighting his proposal for an Islamic economic system as a fair alternative. This study uses a qualitative approach with a literature review method, focusing on the analysis of Chapra's works and various literature related to the principles of Islamic economics. The results of the study show that Chapra views the capitalist system as incapable of realizing true prosperity because it is oriented towards the accumulation of material wealth and ignores the dimension of morality. Meanwhile, socialism is considered to restrict individual freedom and hinder the productive motivation of society. As a solution, Chapra proposes an Islamic economic system based on the values of tawhid, justice, and maqāṣid al-syarī‘ah, with the aim of realizing social welfare (maslahah) that harmonizes material and spiritual aspects. Through economic instruments such as zakat, the prohibition of usury, and the strengthening of Islamic financial institutions, Chapra emphasizes the importance of proportional wealth distribution and social responsibility. Chapra's ideas are considered relevant to contemporary economic conditions, especially in addressing issues of social inequality, moral crisis, and the demands of sustainable economic development.
How Can Zakat Drive Consumption Levels in Society? Khusnul Lailia; Rina Rosia
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 2 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i2.10490

Abstract

This study aims to examine the role of zakat as an economic instrument that can encourage household consumption, increase income equality, and support macroeconomic stability within the framework of Islamic economics. As a form of wealth redistribution, zakat has an important function in distributing part of the muzakki's wealth to the mustahiq, thereby strengthening the purchasing power of low-income groups who tend to have higher marginal consumption. This increase in consumption then contributes to aggregate demand growth and expands economic activity. In addition, zakat acts as an automatic stabilizer that maintains the consumption capacity of vulnerable communities during economic slowdowns, thereby reducing the risk of a decline in aggregate demand and maintaining overall economic stability. This study uses a qualitative method with a literature review approach to examine various scientific sources related to zakat, consumption theory, and the concept of income distribution. The findings of the analysis show that the success of zakat as an economic instrument is greatly influenced by professional and transparent governance, as well as targeted distribution, particularly through productive zakat programs that encourage the independence of mustahiq. Zakat also has significant potential in strengthening the Islamic economic structure oriented towards justice through reducing inequality and improving community welfare. Thus, optimizing zakat management is a strategic effort to build an inclusive, sustainable economy that supports the empowerment of vulnerable groups.
Co-Authors Agus Waluyo Rina Rosia