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All Journal Journal of Shariah Economics Journal of Islamic Banking
Tika Diliana
Universitas Al-Hikmah Indonesia
Religion Economics, Econometrics & Finance Education Social Sciences Other

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Rekonstruksi Legitimasi Koperasi: Krisis Identitas Koperasi Desa Merah Putih Tika Diliana
JOURNAL OF SHARIA ECONOMICS Vol. 7 No. 2 (2025): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v7i2.1305

Abstract

This study critically evaluates the legitimacy and cooperative identity of the Koperasi Desa Merah Putih (Kopdes MP), a state-initiated cooperative program mandated by Presidential Instruction No. 9 of 2025. Despite its wide-scale implementation, concerns persist regarding its alignment with international cooperative principles. Using a Systematic Literature Review (SLR) method and Levi's (1994) typology framework, this research examines whether Kopdes MP reflects genuine cooperative characteristics or functions as a pseudo cooperative. Findings indicate that while Kopdes MP fulfills legal formalities, it often lacks voluntary membership, democratic governance, member economic participation, and educational engagement—core cooperative principles defined by the International Cooperative Alliance (ICA). The study reveals that Kopdes MP occupies a structural space between pseudo and self-centered cooperatives, driven by top-down policies rather than community initiative. It concludes by proposing a diagnostic framework to assess cooperative authenticity, offering theoretical and policy contributions to the field of cooperative development in Indonesia and beyond. Keywords: cooperative identity, pseudo cooperative, Kopdes Merah Putih, Levi typology, cooperative governance, state-driven cooperatives
Transformasi Zakat Digital dan Peran BAZNAZ dalam Penguatan Ekonomi Umat di Indonesia Tika Diliana
JOURNAL OF SHARIA ECONOMICS Vol. 7 No. 1 (2025): Jounal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v7i1.1334

Abstract

Zakat is an Islamic economic instrument that has strategic potential in supporting poverty alleviation and strengthening the economic empowerment of the ummah. In Indonesia, the significant potential of zakat has not yet been fully optimized to promote inclusive and sustainable economic development. This study aims to analyze the transformation of zakat management in Indonesia and its role in strengthening the community’s economy from the perspective of Islamic economics. This research employs a qualitative approach using a literature review and document analysis of zakat regulations, reports from zakat management institutions, and relevant academic literature. The results show that the transformation of zakat management through institutional strengthening, digitalization, and integration with economic empowerment programs has improved the effectiveness of zakat distribution. However, efforts to optimize the role of zakat still face structural, regulatory, and coordination challenges among stakeholders. This study emphasizes the importance of applying the maqashid al-shariah approach in zakat management so that zakat functions not only as a charitable instrument but also as a productive and sustainable one. Keywords: zakat, Islamic economics, community economy, maqashid al-shariah, Indonesia.
Telaah Prinsip Jual Beli dalam Perspektif Al Qur’an (Kajian Analisis Q.S. An Nisā’ Ayat 29): PRINSIP JUAL BELI DALAM AL QURAN (Kajian Ananlisis Q.S An-Nisa’ ayat 29) Dainuri Dainuri; Tika Diliana; Laila Murningsih Novrian Wakhidah
Journal of Islamic Banking Vol. 5 No. 2 (2024): Journal of Islamic Banking
Publisher : Prodi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jib.v5i2.1185

Abstract

One of the important muamalah activities in the daily lives of Muslims is buying and selling. Islam provides clear and strong guidelines regarding the principles to be followed in every transaction involving buying and selling, as outlined in the Quran and Hadith. The views of the commentators regarding buying and selling in Surah An-Nisa, verse 29, are interesting to examine. Why does Allah refer to the parable of the Arab society of ignorance in the past? It is possible that this parable represents a reality that exists and remains unchanged today. Therefore, it is crucial that Allah discusses buying and selling and its status. Buying and selling transactions truly play a vital role in human life. They provide a means for people to meet each other's needs. The existence of buying and selling activities also demonstrates that humans are social creatures who require the involvement of other humans to fulfill their needs. Nowadays, the buying and selling of goods in sacks is commonplace in society. This system, in which prospective buyers cannot directly inspect the condition and quality of the goods they wish to purchase, raises questions regarding their validity under Sharia law. The purpose of this study is to analyze the compliance of these transactions with the principles of Sharia law, particularly regarding the contract, honesty, and willingness of both parties.
Co-Authors Dainuri Dainuri Laila Murningsih Novrian Wakhidah