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Peran Filantropi Lokal dalam Sejarah Kesejahteraan Sosial Indonesia: Kajian Literatur Kualitatif Hamam Mishbakhuzzein; Dede Saeroji; Dede Ipan Rizky Agung; Mohammad Ridwan
Moneter : Jurnal Ekonomi dan Keuangan Vol. 3 No. 3 (2025): Juli : Moneter : Jurnal Ekonomi dan Keuangan
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/moneter.v3i3.1588

Abstract

This study uses a qualitative literature review methodology to examine the influence of local philanthropy on the formation and sustainability of social welfare systems in Indonesia. Local philanthropy has flourished through religious teachings, cultural values, and community-oriented charitable acts since before colonialism. It has become an essential component of the social framework for addressing poverty, natural disasters, and social injustice. This study examines the evolution of traditional local philanthropic organizations, including zakat, infaq, waqf, gotong royong, and village barns, into a structured and formal framework. The study shows that, in addition to strengthening the national welfare system, local philanthropy pursues strategic goals aimed at increasing social capital and fostering citizen unity. This research shows that the revitalization of local philanthropic principles can significantly replace the establishment of an inclusive, dynamic, and sustainable social welfare system in Indonesia.
Mitigasi Risiko Pembiayaan Bermasalah pada Koperasi Jasa Keuangan Syariah yang Mengelola Unit Ritel: Pendekatan Syariah Compliance Dede Saeroji; Dini Selasi
Jurnal Inovasi Ekonomi Syariah dan Akuntansi Vol. 3 No. 4 (2026): Juli : Jurnal Inovasi Ekonomi Syariah dan Akuntansi (JIESA) 
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jiesa.v3i4.2381

Abstract

The expansion of retail units by Sharia Financial Services Cooperatives (KJKS) serves as a business diversification strategy to improve members’ welfare. However, this expansion increases exposure to the risk of nonperforming financing (NPF). This study employs a qualitative literature review using secondary data from the Financial Services Authority (OJK) to analyze financing risk mitigation strategies through a Sharia compliance approach. The findings indicate that the national NPF rate for KJKS remains relatively high and is influenced by weak feasibility analysis and member moral hazard. The role of the Sharia Supervisory Board (DPS), the implementation of Standard Operating Procedures (SOPs) based on DSN-MUI fatwas, and an early warning system are key to risk mitigation. Strengthening Sharia audits by the OJK is recommended to ensure that KJKS retail units remain sound and compliant with Sharia principles.