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Tasharruf: Journal Economics and Business of Islam
Published by Institut Agama Islam Negeri Manado
ISSN : 25280317     EISSN : 25280325     DOI : http://dx.doi.org/10.30984/febi
Core Subject : Religion, Economy, Social,
Religion Economics, Econometrics & Finance Social Sciences
Tasharruf: Journal Economics and Business of Islam is a publication forum for scientific journals related to Islamic economics and business (economic journals).
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 134 Documents
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Dompet Dhuafa Waspada Strategy in Empowering the Mustahik Economy for Sustainable Economic Development Berutu, Irsyadiah Dermaini; Marliyah, Marliyah; Harahap, Rahmat Daim
Tasharruf: Journal Economics and Business of Islam Vol 10, No 1 (2025): JUNE
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v10i1.3897

Abstract

Productive zakat is a strategic instrument for reducing poverty and enhancing community welfare, yet its implementation often encounters managerial and contextual challenges. This study aims to analyze the strategy of Dompet Dhuafa Waspada in Medan’s in empowering mustahik through productive zakat programs, specifically those involving business capital grants, skills training, and continuous mentoring within the Menjahit Harapan Dhuafa programme, Livestock Center, and Rumah Tempe initiatives. Using a qualitative case study approach supported by the SOAR (Strengths, Opportunities, Aspirations, Results) framework, data were obtained through in-depth interviews, observations, questionnaires, and documentation. The findings show that Dompet Dhuafa Waspada in Medan possesses strong internal capacities (score 19.6) and clear strategic aspirations (score 19.4), positioning the institution in the SA quadrant, which emphasizes maximizing strengths to achieve long-term goals. The study reveals that the implementation of productive zakat includes structured business assistance, capital distribution, skills development, and marketplace facilitation; however, the program also faces several challenges. These include limited capital scalability, variability in mustahik entrepreneurial readiness, dependence on external market dynamics, and constraints in long-term monitoring. Despite these obstacles, the program successfully increases mustahik income, improves business independence, and generates measurable socio-economic benefits when integrated with consistent mentoring and cross-sector collaboration. This research provides a balanced evaluation of both the achievements and limitations of productive zakat implementation in Medan and offers an empirical foundation for strengthening institutional strategies and public policies that support sustainable poverty alleviation aligned with the Sustainable Development Goals.
Improving the Quality of Healthcare Services for Patient well-being through Maqaṣid al-Sharia: a Study at Klaten Islamic Hospital Azis, Muhammad Uqbah; Mubarok, Jaih; Kholis, Nur; Gunardi, Setiyawan
Tasharruf: Journal Economics and Business of Islam Vol 10, No 2 (2025): DECEMBER
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v10i2.3867

Abstract

This study aims to analyze the implementation of Maqaṣid al-Sharīah in improving the quality of healthcare services and patient well-being at Klaten Islamic General Hospital (RSUI Klaten). Using a qualitative descriptive approach through interviews, observations, and documentation, the study integrates field and library research to reveal how Sharia principles are translated into practical healthcare management. The findings show that the application of Maqasid Al-Sharia is not merely symbolic but has a measurable positive impact on service quality and patient welfare. For example, the implementation of hifz al-dīn (protection of religion) is realized through the availability of prayer facilities, halal nutrition, and spiritual counseling that enhance patients’ psychological and spiritual comfort. The principle of hifz al-nafs (protection of life) is reflected in the hospital’s patient safety centered policies and emergency response prioritization, while hifz al-māl (protection of wealth) is implemented through transparent financing and social support mechanisms using zakat and waqf funds. These initiatives collectively improve patient satisfaction, trust, and recovery outcomes, showing that Islamic ethical values can enhance both medical and moral dimensions of healthcare quality. The research also finds that the integration of Maqāṣid is an ongoing implementation process, meaning that it continues to be strengthened and expanded through staff training, Sharia governance, and digital innovation in service systems. This process reflects a continuous effort to institutionalize Islamic values within hospital operations. Overall, this study contributes to the discourse on Islamic healthcare management by providing empirical evidence that Maqasid Al-Sharia-based practices can serve as a transformative model for improving service quality and realizing comprehensive well-being (al-maṣlaḥah al-kulliyyah) in Sharia-compliant hospitals in Indonesia.
Sharia Insurance Agents’ Strategies in Responding to Digital Transformation: a Study at PT. Prudential Sharia Life Assurance Alkautsar Malau, Ridho; Syahbudi, Muhammad; Imsar, Imsar
Tasharruf: Journal Economics and Business of Islam Vol 10, No 1 (2025): JUNE
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v10i1.3906

Abstract

The Indonesian sharia insurance industry faces significant challenges due to the phenomenon of creative destruction in the era of digital transformation. This study examines the strategies employed by agents of PT. Prudential Sharia Life Assurance, Binjai Branch, in addressing business changes triggered by digitalization, the decline in the number of policies issued, and fluctuations in premium income. The research method used the Technology Acceptance Model (TAM) approach, with data collected through questionnaires distributed to agents. The results indicate that the public's low understanding of digital sharia insurance and agents' limited ability to utilize digital technology are the main obstacles to market penetration and customer education. The company's digital infrastructure, including the data management system and Pruforce digital platform, has not been optimally integrated, thus hampering effective service delivery. A digital strategy that emphasizes strengthening the role of agents as financial consultants and the use of digital platforms has positive potential to improve marketing and service effectiveness. The success of digital transformation depends heavily on the readiness of human resources who master technology and the principles of sharia insurance. Therefore, it is recommended to develop digital infrastructure, provide ongoing training for agents, educate the public about sharia insurance, and collaborate with digital platforms and social media to expand the market and maintain the company's competitiveness.
Strategic Development of the Brick Industry based on Islamic Economics: a Case Study in Bangko Bakti Village Matondang, Seri Rezeki; Batubara, Chuzaimah; Daulay, Aqwa Naser
Tasharruf: Journal Economics and Business of Islam Vol 10, No 2 (2025): DECEMBER
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v10i2.3863

Abstract

This study aims to develop a strategic model for brick enterprise by integrating the SOAR framework with Islamic economic principles to enhance sustainability, ethical integrity, and long-term growth in small-scale industries. The research applies a qualitative descriptive method conducted in Bangko Bakti Village, Rokan Hilir Regency, Riau Province. Data were collected through in-depth interviews with the business owner, workers, and local stakeholders, complemented by field observations and secondary sources. Triangulation was used to ensure data reliability and validity, while the IFE–EFE matrices and SOAR analysis were applied sequentially to determine strategic positioning and formulate development strategies. Islamic values such as adl (justice), ihsan (excellence), amanah (trustworthiness), and maslahah (public welfare) were embedded in each analytical stage to guide ethical decision-making and ensure fairness in the business operations. The results show that the enterprise holds strong internal capabilities (IFE score 3.15) and favorable external opportunities (EFE score 3.00), positioning it in the “Grow and Build” quadrant of the IE matrix. Practical strategies derived from this integration include implementing digital marketing, improving production efficiency, ensuring quality control, and promoting fair wage distribution. The study demonstrates that incorporating Islamic ethics within the SOAR model can strengthen managerial accountability, social welfare, and stakeholder trust, offering a replicable approach for other SMEs seeking value-driven and sustainable growth.

Page 14 of 14 | Total Record : 134

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