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All Journal Jurnal Ilmiah Mahasiswa Raushan Fikr
Ritonga, Dendi Dwi
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Religion Arts Social Sciences

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Manajemen Risiko dalam Program Bantuan Sosial di Labuhanbatu Utara: Perspektif Ekonomi Islam dan Maqasid al-Syariah Ritonga, Dendi Dwi; Yanti, Nursantri; Harahap, M. Ikhsan
Jurnal Ilmiah Mahasiswa Raushan Fikr Vol 14 No 2 (2025): Jurnal Ilmiah Mahasiswa Raushan Fikr
Publisher : Lembaga Kajian dan Pemberdayaan Mahasiswa UIN Prof. KH. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/jimrf.v14i2.15155

Abstract

This study investigates risk management in social assistance programs in North Labuhanbatu Regency (PKH, BPNT, YAPI, and PBI BPJS Kesehatan), with emphasis on Islamic economic perspectives. Using a qualitative case study through interviews, observations, and document analysis, it reveals that despite formal reference to Government Regulation No. 04/2019 and ISO 31000:2018, implementation faces major challenges: mistargeting, data duplication, distribution delays, limited human resources, weak coordination, and inadequate technology. These hinder program effectiveness. From an Islamic economics lens, such flaws violate principles of justice, trustworthiness, and protection of wealth. Mistargeting denies the rights of the poor, while weak oversight risks fund misuse. Applying maqasid al-shariah demands strengthening data systems, improving human resources as a form of trustworthiness, and ensuring transparent distribution for maslahah. The study concludes that effectiveness and barakah (blessing) require integrating modern risk management with Islamic ethics, offering a governance model that is efficient, accountable, just, and sustainable.
Co-Authors Harahap, M. Ikhsan Nursantri Yanti