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All Journal Wasīlah: Journal Of Sharia Sciences
Amiruddin.K
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Religion Arts Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Zakat and Waqf Institutions in Empowering the Muslim Community’s Economy: Strategic Review and Challenges selmiana salam selmi; Fitriah Ningsih; Amiruddin.K; Mukhtar Lutfi
Wasīlah: Journal Of Sharia Sciences Vol. 1 No. 2 (2025): Agustus
Publisher : Wasīlah: Journal Of Sharia Sciences

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Abstract

This study aims to describe the strategic role of zakat and waqf institutions in empowering the Muslim community’s economy and to identify the challenges and optimization strategies in their management. Zakat and waqf are Islamic social finance instruments that function not only as religious obligations but also as mechanisms for wealth distribution and socio-economic development. This research employs a descriptive qualitative approach with data collected through interviews, observation, and documentation. The findings indicate that zakat and waqf institutions have implemented various productive programs that contribute to improving the economic independence of beneficiaries. However, the management of these instruments still faces several challenges, including low public literacy, limited human resource capacity, insufficient digitalization, and lack of institutional synergy and regulatory harmonization. Proposed optimization strategies include system digitalization, human resource development, collaboration with Islamic financial institutions, Islamic social literacy campaigns, and regulatory enhancement with incentives for zakat and waqf contributors. Through these strategies, zakat and waqf can serve as key instruments in building an inclusive, just, and sustainable Islamic economy.
Sharia-Based Cooperatives And Systems Distribution Of Sharia Cooperatives Rizky Amaliyah Ramdhani Ilham; Muhammad Rustam Saputra; Amiruddin.K; Mukhtar Lutfi
Wasīlah: Journal Of Sharia Sciences Vol. 1 No. 2 (2025): Agustus
Publisher : Wasīlah: Journal Of Sharia Sciences

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This research aims to describe sharia cooperatives are business entities that conduct economic activities based on Islamic principles, as stipulated in the Quran and Sunnah. Based on the principles of family and mutual cooperation, these cooperatives aim to improve the welfare of their members and the community at large. Principles such as being free from interest, social justice, and partnership are the hallmarks of Sharia cooperatives compared to conventional cooperatives. As a form of partnership, these cooperatives prioritize halal and sharia-compliant businesses to support fair and sustainable economic management. The principles of family and mutual cooperation are the main foundations of Sharia cooperatives, reflecting the spirit of cooperation and collective responsibility. This study uses a descriptive qualitative approach with data collection techniques through interviews, observations, and documentation. The results of the study show that the principles of Islamic cooperatives include the belief that wealth is a trust from Allah and not owned absolutely. Freedom of transactions, social justice, and the rejection of usury are the main foundations. The concept of deliberation replaces formal democracy in decision-making, creating harmony and togetherness among members. With a profit-sharing system instead of interest, Islamic cooperatives offer a fairer financial alternative, in accordance with Islamic teachings.
Co-Authors Fitriah Ningsih Muhammad Rustam Saputra Mukhtar Lutfi Rizky Amaliyah Ramdhani Ilham selmiana salam selmi