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Regional Synergy Model in Strengthening Islamic Social Finance: Southeast Asian Perspective Zakiyah, Hanifah; Andrini, Rozi
Al-Faruq: Jurnal Hukum Ekonomi Syariah dan Hukum Islam Vol. 4 No. 2 (2025): Al-Faruq : Jurnal Hukum Ekonomi Syariah dan Hukum Islam
Publisher : Program Studi Hukum Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58518/al-faruq.v4i2.3989

Abstract

Islamic Social Finance (ISF) is a vital instrument in promoting economic justice in Islam through the management of zakat, infaq, sadaqah, and waqf (ZISWAF). In Southeast Asia, Muslim-majority countries such as Indonesia, Malaysia, and Brunei have developed national-level ISF systems. However, regulatory fragmentation, the absence of cross-border coordination, and suboptimal technological integration remain significant barriers to collective efforts aimed at empowering the Muslim community at the regional level. This research designs an adaptive and sustainable regional synergy model in strengthening Islamic Social Finance in Southeast Asia. The research employs a descriptive qualitative approach, relying on in-depth literature analysis of regulations, institutional reports, and academic publications in the field of Islamic social finance. Data were analyzed using content analysis to identify challenges and opportunities for inter-country collaboration and to develop a conceptual framework for cross-border synergy. The findings reveal a high potential for ISF in the region, supported by a large Muslim population, active managing institutions, and advancing digitalization in several countries. Nonetheless, disparities in legal systems, lack of data sharing, and the dominance of national approaches serve as major constraints. This article proposes the establishment of a synergy model consisting of a regional coordinating institution, a Southeast Asia ISF data center, and a shared digital platform for managing cross-border ZISWAF funds. The study recommends ASEAN support in creating a regional legal framework for ISF, the development of cross-national human resources, and collaborative research to ensure effective and sustainable implementation.
Analisis Kondisi Sosial Ekonomi Peradaban Islam Zakiyah, Hanifah; Indrayani, Sufi; Anjelina, Juwita; Andrini, Rozi
Indonesian Research Journal on Education Vol. 5 No. 1 (2025): Irje 2025
Publisher : Fakultas Keguruan dan Ilmu Pendidikan, Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/irje.v5i1.1939

Abstract

Sistem sosial ekonomi masyarakat Arab pra-Islam ditandai dengan kemajuan perdagangan dan pengembangan pertanian yang signifikan, dengan Mekah sebagai pusat perdagangan yang strategis. Penduduknya terbagi menjadi suku Badui nomaden dan suku Hadari yang menetap, yang bergerak di bidang pertanian dan perdagangan. Terlepas dari sifat-sifat positif mereka, masyarakat di masa itu masih dalam masa jahiliyah, yang ditandai dengan ketidakadilan dan kebodohan. Berbeda dengan sistem kapitalis dan sosialis, yang seringkali gagal menjamin kesejahteraan, ekonomi Islam menghadirkan alternatif yang adil dan manusiawi yang berakar pada prinsip-prinsip yang ditetapkan pada periode awal Islam. Kebijakan ekonomi Nabi Muhammad (SAW) dan Khulafaur Rasyidin menekankan distribusi kekayaan yang adil dan praktik-praktik yang beretika. Saat ini, ekonomi Islam berkembang di negara- negara seperti Indonesia dan Malaysia, menumbuhkan kesadaran akan industri halal. Makalah ini menggarisbawahi pentingnya penerapan prinsip-prinsip ekonomi Islam berdasarkan Al-Qur'an dan Hadis untuk mempromosikan keadilan sosial dan kesejahteraan bagi generasi mendatang.