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STRATEGI PEMBIAYAAN BANKZISKA TERHADAP PRAKTIK RIBA PADA PELAKU UMKM Suci Setiawan; Pipit Septiana Sholikha; Rahayu, Dwi; Nurma Fitrianna
Filantropi : Jurnal Manajemen Zakat dan Wakaf Vol. 2 No. 2 (2021): Filantropi
Publisher : Program Studi Manajemen Zakat dan Wakaf

The problem of poverty and social inequality has become an acute social problem in this country. From the era of the kingdom, colonialism, to the era of independence as it is today, there are still many Indonesian people who are trapped in poverty. A decent and prosperous life is still a dream and hope that has not yet been realized. Thus, of course, a precise and accurate formulation is needed to minimize the poverty rate. It is explained that usury referred to in the Qur'an as a thing that has the nature of vanity is all additions that are taken without any reciprocity or substitutes that are justified in accordance with the Shari'a. The role of Bankziska Lazismu in freeing UMKM actors from the practice of moneylenders is quite significant. Financing products in accordance with the needs of market traders and umkm players. Masalah kemiskinan dan kesenjangan sosial memang menjadi masalah sosial yang akut di negeri ini. Dari zaman kerajaan, penjajahan, sampai zaman kemerdekaan seperti sekarang ini, masih banyak masyarakat Indonesia yang terjerat kemiskinan. Hidup layak dan sejahtera masih menjadi impian dan harapan yang masih belum terwujud. Dengan demikian, tentunya dibutuhkan formulasi yang tepat dan akurat untuk meminimalisir angka kemiskinan. Dijelaskan bahwa riba yang dimaksud dalam Al-Quran sebagai suatu hal yang memiliki sifat batil adalah semua penambahan yang diambil tanpa adanya timbal balik atau pengganti yang dibenarkan sesuai dengan syariat. Peran Bankziska Lazismu dalam membebaskan pelaku umkm dari praktek rentenir cukup signifikan. Produk pembiayaan sesuai dengan kebutuhan para pedagang pasar dan pelaku umkm.

HUMAN CAPITAL SEBAGAI STRATEGI PENGEMBANGAN SUMBER DAYA PROFESIONAL DI LEMBAGA ZAKAT NURUL HAYAT Kusumaningtyas, Esa Ayu; Asegaf, M Maulana; Dikuraisyin, Basar
Filantropi : Jurnal Manajemen Zakat dan Wakaf Vol. 2 No. 2 (2021): Filantropi
Publisher : Program Studi Manajemen Zakat dan Wakaf

The problem of human resources in zakat institutions has always been the most critical obstacle that hinders the effectiveness and accuracy of institutional development. Weaknesses, incompetence and dualism of professional work are often classic reasons that plague zakat institutions. This weakness needs to be formulated, given a solution and a way out to escape from the entanglement of the resource problem. Therefore, this study wants to offer an ideal conception of zakat human resources (amil) development through the locus treasury at the Nurul Hayat zakat institution in Surabaya. The research method used is qualitative with descriptive data analysis. Data was extracted through two methods; interviews and observations. Documentation is not used as it relates to resource performance. This study resulted in two significant findings: firstly, most of the amil in Nurul Hayat already have the ability in fiqh zakat, seen from the training followed and the work experience of each amil. Meanwhile, marketing ability is seen from the results of amil performance in achieving targets and implementing online marketing in the form of posting programs. For public speaking skills, it can be seen from the briefing conducted by amil Nurul Hayat to train communication and practice it. Second, the professionalism of amil in the management of zakat in Nurul Hayat has carried out his responsibilities by reporting the results that have been carried out and collected by the amil. In managing zakat funds, it is evident from the efforts to improve their abilities by participating in training and self-study by reading books. Persoalan sumber daya manusia pada lembaga zakat selalu menjadi kendala terpenting yang mengganjal efektifitas dan akurasi pengembangan lembaga. Kelemahan pada aspek kompetensi dan dualisme kerja profesional seringkali menjadi alasan klasik yang mendera lembaga zakat. Kelemahan inilah yang perlu dicari formulasinya, diberikan solusi dan jalan keluar untuk lepas dari jeratan problem sumber daya. Oleh karena itu, penelitian ini ingin memberikan tawaran konsepsi ideal pengembangan sumber daya manusia (amil) zakat melalui pembendaharaan locus di lembaga zakat Nurul Hayat Surabaya. Metode penelitian yang digunakan bersifat kualitatif dengan analisis data deskriptif. Data digali melalui dua metode; interview dan observasi. Dokumentasi tidak digunakan karena berkenaan dengan kinerja sumber daya. Hasil dari penelitian ini menghasilkan dua temuan penting, yaitu: pertamas sebagian besar amil di Nurul Hayat sudah memiliki kemampuan tentang fiqih zakat, dilihat dari pelatihan yang diikuti dan pengalaman pekerjaan dari setiap amil. Sedangkan, kemampuan pemasaran dilihat dari hasil kinerja amil berupa pencapaian target dan pelaksanaan pemasaran melalui online, berupa posting program-program. Untuk kemampuan public speaking, dapat dilihat dari briefing dilakukan oleh amil Nurul Hayat untuk melatih komunikasi dan mempraktikkannya. Kedua,, profesionalisme amil dalam pengelolaan zakat di Nurul Hayat, sudah melaksanakan tanggung jawabnya dengan melaksanakan pelaporan hasil yang telah dikerjakan dan dihimpun oleh amil. Dalam mengelola dana zakat, terbukti dari adanya upaya untuk meningkatkan kemampuannya dengan mengikuti training dan belajar mandiri dengan membaca buku.

NILAI FILANTROPI: SEBUAH TINJAUAN PELAKSANAAN AKAD QARDHUL HASAN DI MASA PANDEMI Murdianto, Wahidin
Filantropi : Jurnal Manajemen Zakat dan Wakaf Vol. 2 No. 2 (2021): Filantropi
Publisher : Program Studi Manajemen Zakat dan Wakaf

BMT Tumang Boyolali is a non-bank Islamic financial institution. Baitul Maal wa Tamwil is an institution that runs two fields, namely business through Tamwil and social through maal. One of the social programs at Baitul Maal at BMT Tumang is an economic empowerment program, namely Pokusma. The main problem raised regarding the implementation of the qardhul hasan contract used in the maal program is reviewed with maqashid shari'ah during the covid-19 pandemic, namely the suitability of the implementation of the contract with existing provisions and the fulfillment of maqashid shari'ah values in the use of the qardhul hasan contract in the field of Maal BMT Tumang Boyolali Center during the covid-19 pandemic. Thus it will be known how the qardhul hasan contract is used in the maal program in the midst of the Covid-19 pandemic. The review of maqashid shari'ah on the implementation of the qardhul hasan contract during the covid-19 pandemic will reveal the extent to which the values of maqashid sharia and maqashid qardh are being fulfilled. BMT Tumang Pusat Boyolali merupakan lembaga keuangan syariah non Bank. Baitul Maal wa Tamwil merupakan lembaga yang menjalankan dua bidang, yakni bisnis melalui tamwil dan sosil melalui maal. Salah satu program sosial pada baitul maal di BMT Tumang adalah program pemberdayaan ekonomi yaitu pokusma. Masalah utama yang diangkat perihal pelaksanaan akad qardhul hasan yang digunakan pada program maal ditinjau dengan maqashid syariah di masa pandemi covid-19 yakni kesesuaian pelaksanaan akad dengan ketentuan yang ada dan pemenuhan nilai-nilai maqashid syariah dalam penggunaan akad qardhul hasan dalam bidang maal BMT Tumang Pusat Boyolali di masa pandemi covid-19. Dengan demikian akan diketahui bagaimana penggunaan akad qardhul hasan pada program maal di tengah pandemi Covid-19. Tinjauan maqashid syariah terhadap pelaksanaan akad qardhul hasan di masa pandemi covid-19 akan diketahui sejauh mana pemenuhan nilai-nilai maqashid syariah dan maqashid qardh.

ANALISIS MANAJEMEN FUNDRAISING WAKAF, INFAQ DAN SHODAQOH Ilhami; Anggraini, Dian
Filantropi : Jurnal Manajemen Zakat dan Wakaf Vol. 3 No. 1 (2022): Filantropi
Publisher : Program Studi Manajemen Zakat dan Wakaf

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/finalmazawa.v3i1.4848

Fundraising management is an activity to collect waqf, infaq and shodaqoh funds through the process of planning, organizing, leading and controlling in achieving goals. In fundraising activities there are management functions and steps in carrying out these functions. Traditionally, a manager's job has been described according to the classic management functions, namely: planning, organizing, leading, and controlling. It is necessary to understand the management functions and steps of good fundraising management, including: First, the planning function which includes future calculations and forecasts, determination and formulation of targets, determination of methods, determination of time and location, and program determination, costing. Second, the organizing function in the division of tasks and responsibilities, coordination between management and the relationship between section management. Third, the function of leadership with direction and motivation. Fourth, the control function includes evaluation and corrective action. Although in its implementation there are still obstacles such as the branding of institutions that are not well known, the collection side is still weak and efforts to re-strengthen the internal consolidation side of the institution. Manajemen fundraising merupakan kegiatan menghimpun dana Wakaf, infaq dan shodaqoh melalui proses perencanaan, pengorganisasian, kepemimpinan dan pengendalian dalam mencapai tujuan. Dalam kegiatan fundraising terdapat fungsi-fungsi manajemen dan langkah-langkah dalam menjalankan fungsi-fungsi tersebut. Secara tradisional, pekerjaan seorang manajer telah diuraikan menurut fungsi manajemen klasik, yaitu: merencanakan, mengorganisasikan, memimpin, dan mengendalikan. Perlu dipahami fungsi-fungsi manajemen dan langkah-langkah manajemen fundraising yang baik, diantaranya: Pertama, fungsi perencanaan yang meliputi perhitungan dan perkiraan masa depan, penentuan dan perumusan sasaran, penetapan metode, penetapan waktu dan lokasi, dan penetapan program, penetapan biaya. Kedua, fungsi pengorganisasian dalam pembagian tugas dan tanggung jawab, koordinasi antar pengurus serta relasi antarpengurus bagian. Ketiga, fungsi kepemimpinan dengan pengarahan dan motivasi. Keempat, fungsi pengendalian meliputi evaluasi dan tindakan koreksi. Meskipun dalam pelaksanaanya masih ada hambatan seperti branding lembaga yang kurang dikenal, sisi penghimpunan yang masih melemah serta usaha penguatan kembali dalam sisi konsolidasi internal lembaga.

ANALISIS PERAN ZAKAT SEBAGAI SOLUSI KEBIJAKAN MONETER DIMASA PANDEMI Cintana, Arsiah Dwi
Filantropi : Jurnal Manajemen Zakat dan Wakaf Vol. 3 No. 2 (2022): Filantropi
Publisher : Program Studi Manajemen Zakat dan Wakaf

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/finalmazawa.v3i2.5341

Zakat is an expenditure of wealth that must be issued by Muslims and is given to help government programs and alleviate poverty. Therefore paying zakat can also be useful for the progress of a country. The role of zakat is as a financial controller in the country which is known as monetary policy. Because zakat is included in state income which is channeled for the welfare of the community in the economic field, such as employment opportunities, fair distribution of income and wealth, and stability of the value of money to groups who are entitled to receive it to meet needs and increase equitable economic growth. Paying zakat is very beneficial for life because it can increase one's faith in Allah SWT. In addition, zakat also participates. Zakat adalah pengeluaran harta yang wajib dikeluarkan oleh orang muslim dan diberikan membantu program pemerintah dan mengentaskan kemiskinan. Maka dari itu membayar zakat dapat berguna juga untuk kemajuan suatu negara. peran zakat adalah sebagai pengendali keuangan di dalam negara yang dikenal dengan kebijakan moneter. Karena zakat termasuk dalam pendapatan negara yang disalurkan untuk mensejahterakan masyarakat di bidang ekonomi seperti, kesempatan peluang kerja, keadilan distribusi pendapatan dan kekayaan, serta stabilitas nilai uang.kepada golongan yang berhak menerimanya untuk memenuhi kebutuhan serta meningkatkan pemerataan pertumbuhan ekonomi. Membayar zakat sangat memberi manfaat untuk kehidupan karena dapat meningkatkan iman seseorang pada Allah SWT. Selain itu, zakat juga ikut.

FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT MASYARAKAT REJOSO DALAM MEMBAYAR ZAKAT DI BADAN AMIL ZAKAT NASIONAL Rizkia Nur Aisyah, Wanda; Wardana, Guntur Kusuma
Filantropi : Jurnal Manajemen Zakat dan Wakaf Vol. 3 No. 1 (2022): Filantropi
Publisher : Program Studi Manajemen Zakat dan Wakaf

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/finalmazawa.v3i1.5374

The purpose of this study was to determine the effect of attitudes, subjective norms, and behavioral control on the Rejoso people interest in paying zakat at the National Zakat Agency. The method used is descriptive quantitative. This research was conducted at the National Zakat Agency of Nganjuk Regency. This study used a purposive sampling technique with 100 respondents. The analytical method used is multiple linear regression analysis. The results of this study indicate that attitudes, subjective norms, behavioral control and religiosity have a significant effect on the interest in paying zakat. It can be concluded that partially and simultaneously the variables of attitude, subjective norms, behavior control and religiosity have a significant effect on the Rejoso people's interest in paying zakat at the National Zakat Agency. Tujuan dari penelitian ini adalah untuk mengetahui pengaruh sikap, norma subyektif, kontrol perilaku, dan religiusitas terhadap minat masyarakat Rejoso dalam membayar zakat di Badan Amil Zakat Nasional. Adapun metode yang digunakan adalah deskriptif kuantitatif. Penelitian ini dilakukan di Badan Amil Zakat Nasional Kabupaten Nganjuk. Penelitian ini menggunakan teknik pengambilan sampel purposive sampling dengan 100 responden. Metode analisis yang digunakan adalah analisis regresi linier berganda. Hasil dari penelitian ini menunjukkan sikap, norma subyektif, kontrol perilaku dan religiusitas berpengaruh signifikan terhadap minat membayar zakat. Dapat disimpulkan bahwa secara parsial dan simultan variabel sikap, norma subyektif, kontrol perilaku dan religiusitas berpengaruh signifikan terhadap minat masyarakat Rejoso dalam membayar zakat di Badan Amil Zakat Nasional.

ANALISIS BASIC NEEDS DEFICIENCY INDEX: EFEKTIVITAS ZAKAT DALAM MENGENTASKAN KEMISKINAN DI INDONESIA Khairunnisa, Aulia Fatimah; Kusuma Riyadi, Raja Surya; Awaliah Ali, Reza; M. Pimada, Laila
Filantropi : Jurnal Manajemen Zakat dan Wakaf Vol. 3 No. 1 (2022): Filantropi
Publisher : Program Studi Manajemen Zakat dan Wakaf

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/finalmazawa.v3i1.5375

This study aims to see the effectiveness of Zakat in alleviating poverty in Indonesia for the 2019-2021 period. This study uses a quantitative approach by describing the data from the calculation of the Basic Needs Deficiency Index (BNDI) which uses secondary data from semester data on the number of poor people, the poverty line, and the amount of Zakat distributed. The BNDI has a scale of 0-1, which means that if it is close to 0 it shows the more effective the distribution of zakat and if it is close to 1 the distribution of zakat is not effective. The results of the study show that poverty in 2019-2021 will always stagnate above 25 million poor people. Then, zakat distribution in 2019-2021 shows inconsistent results from year to year and based on the BNDI index is stagnant at 0.98-0.99, so the distribution is not effective. With this research, it can be used for zakat institutions to evaluate the distribution of zakat to the poor. Penelitian ini bertujuan untuk melihat keefektivan Zakat dalam mengentaskan kemiskinan di Indonesia periode 2019-2021. Penelitian ini menggunakan metode pendekatan kuantitatif dengan mendeskripsikan data dari hasil perhitungan Basic Needs Deficiency Index (BNDI) yang menggunakan data sekunder dari data semester jumlah penduduk miskin, garis kemiskinan, dan jumlah Zakat yang disalurkan. BNDI tersebut memiliki skala 0-1 yang artinya jika mendekati 0 menunjukkan semakin efektif penyaluran zakatnya dan jika mendekati 1 penyaluran zakatnya tidak efektif. Hasil penelitian menunjukkan bahwa kemiskinan pada 2019-2021 selalu stagnan di atas 25 juta penduduk miskin. Lalu, penyaluran zakat pada 2019-2021 menunjukkan hasil yang tidak konsisten dari tahun ke tahun dan berdasarkan indeks BNDI stagnan pada angka 0,98-0,99, sehingga penyaluran tidaklah efektif. Dengan adanya penelitian ini, dapat digunakan kepada lembaga zakat untuk melakukan evaluasi dalam penyaluran zakat kepada fakir miskin.

PEMBARUAN HUKUM ZAKAT DALAM UNDANG-UNDANG ZAKAT Alamudi, Ichwan Ahnaz; Hasan, Ahmadi
Filantropi : Jurnal Manajemen Zakat dan Wakaf Vol. 3 No. 1 (2022): Filantropi
Publisher : Program Studi Manajemen Zakat dan Wakaf

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/finalmazawa.v3i1.5446

In the management of zakat, it is very necessary to have a clear legal umbrella in the form of regulations on zakat which are the basis for zakat management. Along with the times, the existing regulations are sometimes considered no longer accommodate the problem of zakat management in the field. Therefore, the latest regulations on zakat management are needed. This paper aims to try to discuss various legal reforms regarding zakat, especially in the zakat law. This study uses a juridical-normative approach, which is an approach based on legislation, theories, and concepts related to the legal scope of regulations in the field of zakat. The results of the study show that there are various regulations regarding zakat, ranging from Ministerial Regulations, Presidential Regulations, Government Regulations to Laws. And the new law on zakat management was born when the age of independence of the Unitary State of the Republic of Indonesia was quite old, namely 54 years. This is marked by the birth of Law no. 38 of 1999 concerning Management of Zakat. In its development, Law Number 38 of 1999 was revised to achieve optimization of zakat management in Indonesia. The result of the revision was the establishment of Law Number 23 of 2011 concerning Zakat Management. This was followed by the issuance of Government Regulation of the Republic of Indonesia Number 14 of 2014 concerning the Implementation of Law Number 23 of 2011 concerning Management of Zakat. Dalam pengelolaan zakat sangat diperlukan adanya suatu payung hukum yang jelas berupa peraturan tentang zakat yang menjadi landasan dalam pengelolaan zakat. Seiring dengan perkembangan zaman, peraturan yang ada terkadang dianggap tidak lagi mengakomodir persoalan pengelolaan zakat di lapangan, Oleh karena itu dibutuhkan peraturan-peraturan terbaru tentang pengelolaan zakat. Tulisan ini bertujuan untuk mencoba membahas mengenai berbagai pembaruan hukum mengenai zakat khususnya dalam undang-undang zakat. Penelitian ini menggunakan pendekatan yuridis-normatif, yaitu pendekatan yang didasarkan pada peraturan perundang-undangan, teori-teori, dan konsep-konsep berhubungan dengan cakupan hukum mengenai regulasi-regulasi pada bidang zakat. Hasil penelitian menunjukkan bahwa terdapat berbagai peraturan tentang zakat, mulai dari Peraturan Menteri, Peraturan Presiden, Peraturan Pemerintah hingga Undang-undang. Dan Undang-undang tentang pengelolaan zakat baru lahir di saat usia kemerdekaan Negara Kesatuan Republik Indonesia tergolong cukup tua yaitu 54 tahun. Hal tersebut ditandai dengan lahirnya Undang-Undang No. 38 Tahun 1999 tentang Pengelolaan Zakat. Pada perkembangannya Undang-undang Nomor 38 Tahun 1999 direvisi untuk mencapai optimalisasi pengelolaan zakat di Indonesia. Hasil dari revisi tersebut adalah dengan dibentuknya Undang-undang Nomor 23 Tahun 2011 Tentang Pengelolaan Zakat. Disusul dengan terbitnya Peraturan Pemerintah Republik Indonesia Nomor 14 Tahun 2014 tentang Pelaksanaan Undang undang Nomor 23 Tahun 2011 tentang Pengelolaan Zakat.

CASH WAQF IN CONTEMPORARY ISLAMIC LAW PERSPECTIVE Mu'is, Ahmad; Farida, Laila; Huda, Achmad Miftachul
Filantropi : Jurnal Manajemen Zakat dan Wakaf Vol. 3 No. 1 (2022): Filantropi
Publisher : Program Studi Manajemen Zakat dan Wakaf

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/finalmazawa.v3i1.5454

Cash waqf is new though in Islamic Social Finance and still debatable. Several Islamic scholars agree and disagree in many reasons base on Islamic laws (fiqh). In this paper aim to describe Islamic Scholars view in Islamic law from classic to modern perpective in order to understand knowledge to take explanation of some reasons in Islamic law (istinbath). This writing uses literature approach, by using some sources from classic and modern books, journal and another suitable sources then make analyzing from another scholars. The advantage of this paper will open the new view of cash waqf not only Islamic law perspective but also the impact to economic development in Islamic society. More over in Indonesia, the most muslim population of the world. The writer do hope there is sustainable action from nation policy and stake holder to follow up this new reason make economic mover become Islamic social welfare. Beside of that next research is required to accomplish it

INITIATING A SHARIA AUDIT MODEL FOR ZAKAT MANAGEMENT ORGANIZATIONS IN INDONESIA Riani, Deni
Filantropi : Jurnal Manajemen Zakat dan Wakaf Vol. 3 No. 1 (2022): Filantropi
Publisher : Program Studi Manajemen Zakat dan Wakaf

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/finalmazawa.v3i1.5457

The proliferation of zakat management organizations in Indonesia is part of the zakat problem in Indonesia. The zakat management organization as an intermediary organization between muzaki and mustahiq must have a management basis that is trustworthy, professional, transparent and accountable. The presence of Law Number 23 of 2011 and Government Regulation Number 14 of 2014 provides a legal basis for sharia audits to be carried out as a guarantee of security and comfort for muzakki in paying zakat through BAZNAS and LAZ. The main objective of the shariah audit is to provide certainty of compliance with sharia rules both in terms of collection, distribution and utilization of zakat. This study describes the basic concepts in carrying out sharia audits of zakat management organizations, where there are several main things that must be carried out in carrying out sharia audits of zakat management organizations based on existing laws and general provisions in conducting audits in general as part of the guidelines that must be adhered to. . With the sharia audit carried out, it will increase public confidence in paying zakat through zakat institutions. The sharia audit framework for zakat management organizations includes the planning, implementation and reporting stages and the last is in the form of an opinion on the audit implementation in the form of a statement that is appropriate or not appropriate and then recommendations for improvement on the implementation of the audit.

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Editorial Address Jln. Pandawa No. 1, Pucangan, Kartasura, Central Java, Indonesia, 57168

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Contact Name
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filantropi.mazawa20@gmail.com

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Journal Mail Official
filantropi.mazawa20@gmail.com

Editorial Address
Jln. Pandawa No. 1, Pucangan, Kartasura, Central Java, Indonesia, 57168

Location
Kab. sukoharjo,

Jawa tengah

INDONESIA