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Rusyda Afifah Ahmad
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rusydaafifahahmad@unida.gontor.ac.id
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+6281330042874
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jiep@unida.gontor.ac.id
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Department of Islamic Economic, Faculty of Economics and Management, Universitas Darussalam Gontor, Jl. Raya Siman No.Km. 5, Dusun I, Demangan, Kec. Siman, Kabupaten Ponorogo, Jawa Timur 63471
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INDONESIA
Journal of Islamic Economics and Philanthropy
Published by Universitas Darussalam Gontor
ISSN : 30326656     EISSN : 2655335X     DOI : https://doi.org/10.21111/jiep
Core Subject :
The Journal of Islamic Economics and Philanthropy (JIEP) is published quarterly in August, November, February, and May. The journal accepts only original empirical research, theoretical contributions, and systematic literature reviews. JIEP focuses on the intersection of Islamic economics and philanthropic studies, with a scope encompassing: Theory and Practice of Islamic Philanthropy Islamic Philanthropy in Economic Systems Islamic Philanthropy in Banking and Finance Social and Community-Based Islamic Philanthropy Islamic Philanthropy in Monetary Policy Islamic Philanthropy in the Public Sector and Policy Islamic Philanthropy in Business and Commerce
Arjuna Subject : -
Articles 70 Documents
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Pendekatan Strategis Optimalisasi Zakat untuk Penanggulangan Kemiskinan Inklusif di Indonesia: Strategic Approach to Optimizing Zakat for Inclusive Poverty Alleviation in Indonesia Mochammad Naufal; Silvia Mifta; Melati Eka; Budi Jaya Putra
Journal of Islamic Economics and Philanthropy Vol. 8 No. 1 (2025): August
Publisher : Universitas Darussalam Gontor

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This study discusses the role of zakat as a crucial instrument in the economic transformation of society within the context of Islam. The primary aim of this research is to analyze the potential of zakat in reducing poverty and empowering community economies, particularly through a theoretical literature approach. The method used is a literature review with a descriptive approach, supported by scholarly literature and secondary data from various online sources. The findings indicate that zakat, when managed effectively and transparently, can significantly contribute to the growth of small and micro enterprises and the reduction of social inequality. Furthermore, public awareness of zakat plays an important role in optimizing its function as a tool for economic empowerment. The implications of this study highlight the need for more innovative and systematic zakat policies to achieve sustainable economic development goals, particularly in the context of Indonesia.
Micro Waqf Bank Priority Strategy Determines Business Financing Criteria Muhamad Fauzi; Yusuf Haji-Othman; Mukhaer Pakanna
Journal of Islamic Economics and Philanthropy Vol. 8 No. 1 (2025): August
Publisher : Universitas Darussalam Gontor

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Sharia micro business financing plays a vital philanthropic role for communities in Indonesia. Micro waqf banks facilitate access to business capital for those in need, yet research on standard recipient criteria and supporting factors remains limited. This study identifies priority strategies, key criteria, and primary supporting factors for business financing at Micro Waqf Banks in Banten Province. Employing a mixed-methods approach, we conducted case studies at El Manahij, Lan Taburo, and An Nawawi micro waqf banks. Data collection involved questionnaires and interviews with supervisors, managers, and team leaders, selected through purposive sampling. We analysed data using descriptive statistics and the Analytic Network Process (ANP) with SuperDecisions software. The results show that customer character and track record serve as the main criteria for micro waqf bank financing. Business feasibility and social support are the two most significant factors in support. These findings underscore the need to enhance character assessments and record-keeping through the digitisation of data and integrated monitoring. By doing so, micro waqf banks can enhance their effectiveness and contribute further to philanthropic micro business financing. Future research should extend the regional scope and compare financing criteria and strategies across various provinces.
Analysis of the Health Level of Sharia Banks Using the RGEC Method in 2019-2023 Miftahul Huda; Wan Aziza Said; Izzatul Muna; Endah Emiarti
Journal of Islamic Economics and Philanthropy Vol. 8 No. 1 (2025): August
Publisher : Universitas Darussalam Gontor

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Abstract

Indonesia embraces a dual banking framework where both conventional and Sharia banks operate simultaneously. This coexistence allows a diverse range of financial services to cater to various customer needs. Despite this, Sharia banking accounts for only 7.3% of the nation's total banking sector. This limited market share is indicative of challenges such as lower public awareness and less competitive financial products compared to conventional banks. Therefore, assessing the health of Sharia banks is essential for ensuring their sustainability, enhancing financial stability, and building public trust in their operations.This research examines the health of Sharia banks from 2019 to 2023, using the RGEC (Risk Profile, Good Corporate Governance, Earning, and Capital) method. A quantitative approach with descriptive analysis reveals that, on average, Sharia banks demonstrated varying degrees of health, with some excelling while others struggled to meet standards set by regulatory bodies. The result of this study is that in 2019 the health of Sharia commercial banks was ranked "quite healthy" which then improved in 2020 by getting a "healthy" rating, in the last 3 years the health of Sharia commercial banks has declined again with a rating of "quite healthy". The findings of this researc highlight specific areas for improvement and strategic growth within the sector.
Sharia Banking Financing: Can It Increase the Output of Micro Small and Medium Enterprises in Indonesia? Dini Luspita; Rina Novitasari; Dea Rustami; Ririn Nopiah
Journal of Islamic Economics and Philanthropy Vol. 8 No. 1 (2025): August
Publisher : Universitas Darussalam Gontor

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Abstract

The trend of increasing bank interest rates means that MSMEs cannot pay off their debts to the bank, and ultimately, the bank will confiscate their property to pay off their debts. For this reason, the community and micro and small-scale business actors need a financing system that supports business success, namely a profit-sharing system. Sharia banking, a financial institution with operational principles based on Islamic Sharia, can carry out this type of transaction. Sharia banking has basic principles prohibiting interest (riba) and applying a profit-loss sharing system in every financing transaction. This research aims to see the influence of Sharia banking financing on MSMEs in Indonesia. The method used in this research is multiple linear regression analysis. Based on the results of this research, Sharia banking financing seen from Mudharabah, Musyarakah, Murabahah, Ujrah and Istishna has a significant influence on MSMEs
Persepsi Pelaku Usaha Sarang Burung Walet terhadap Kewajiban Zakat di Kelurahan Siwa, Kabupaten Wajo: Perception of Edible-Nest Swiftlet Entrepreneurs on Zakat Obligation in Siwa Village, Wajo Regency Reski Amaliah; Agussalim HR; Idham Khalid
Journal of Islamic Economics and Philanthropy Vol. 8 No. 1 (2025): August
Publisher : Universitas Darussalam Gontor

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Penelitian ini bertujuan untuk mengetahui persepsi masyarakat terhadap kewajiban zakat usaha sarang burung walet serta mengidentifikasi faktor-faktor yang memengaruhi tingkat pemahaman mereka di Kelurahan Siwa, Kabupaten Wajo. Penelitian ini menggunakan metode kualitatif deskriptif dengan teknik pengumpulan data melalui wawancara, observasi, dan dokumentasi. Informan terdiri dari delapan pelaku usaha sarang burung walet. Hasil penelitian menunjukkan bahwa persepsi masyarakat terhadap zakat usaha sarang burung walet bervariasi. Sebagian informan tidak mematuhi ketentuan zakat dalam Islam, bahkan ada yang tidak mengeluarkan zakat sama sekali. Umumnya mereka menganggap zakat usaha walet setara dengan zakat perdagangan (2,5%), padahal berdasarkan karakteristiknya, usaha tersebut lebih tepat dianalogikan dengan zakat pertanian yang dikenakan tarif 5%. Faktor-faktor yang memengaruhi tingkat pemahaman dan kesadaran berzakat antara lain adalah pemahaman keagamaan, akses informasi zakat, serta kesadaran sosial. Penelitian ini merekomendasikan perlunya peningkatan literasi zakat melalui pendekatan edukatif dan keagamaan bagi pelaku usaha lokal.
Islamic Philanthropy and the Qur’anic Approach to Scarcity: Wealth Redistribution as a Solution Nurul Naqibah Izzati
Journal of Islamic Economics and Philanthropy Vol. 7 No. 4 (2025): May
Publisher : Universitas Darussalam Gontor

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This study examines the concept of scarcity in conventional economics and compares it with the Islamic economic approach, particularly from the perspective of the Qur’an. The main focus of this study is to explore how Islamic philanthropy through instruments such as zakat, infaq, sedekah, and waqf play a key role in solving various economic problems, including scarcity. To achieve these objectives, a qualitative methodology, including doctrinal library research and comparative analysis, was employed to examine both frameworks. The findings reveal that Islamic economics recognised only relative scarcity, emphasizing resource sufficiency and moral responsibility. In additions, Islamic philanthropy has demonstrated its effectiveness in resolving many conventional economic issues, shedding light on its potential for promoting economic justice and social welfare.
Comparison of Efficiency Principles for Welfare in Islamic and Socialist Economic Systems Ega Seliyan Putri; Alfithisnain Nur Aini; Nasywa Shafa Tsabitah; Budi Jaya Putra
Journal of Islamic Economics and Philanthropy Vol. 7 No. 4 (2025): May
Publisher : Universitas Darussalam Gontor

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The economic theory that aspires to is an economic system that is able to create justice and common prosperity, accompanied by the concept of the blessings of the world and the hereafter. This is the theory of Islamic economics that will bring justice and comprehensive prosperity. Islamic economics is considered a solution to overcome contemporary economic problems. The source of thought of the Islamic economic system is the Islamic creed and ideology which is based on the Qur'an and as-Sunnah. With this foundation, Islamic economics is distinctive, unique and different from socialist or communist economic systems. The Islamic economic system is an independent economic system and is independent of other economic systems. What distinguishes the Islamic economic system from other economic systems is that the principles of Islamic economics in the application of the principle of efficiency still maintain the preservation of the natural environment. The economic motive of Islam is to seek luck in this world and in the hereafter like the caliph with the way of worship in a broad sense. Islam recognizes the welfare of individuals and the social welfare of society that complement each other, not compete and contradict each other.
Prinsip Bisnis Qur’ani dalam Jual Beli: Tinjauan Tafsir al-Munir QS Al-Baqarah dan Al-Mutaffifin: Qur'anic Business Principles in Trade: A Study of al-Munir's Interpretation of Surah Al-Baqarah and Al-Mutaffifin Achmad Ilham Maulana; Nurul Ani Safitri
Journal of Islamic Economics and Philanthropy Vol. 7 No. 4 (2025): May
Publisher : Universitas Darussalam Gontor

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This study aims to explore Qur'anic business principles in the context of trade, as reflected in Surah Al-Baqarah and Surah Al-Mutaffifin, using a thematic interpretation approach based on Tafsir al-Munir by Wahbah al-Zuhaili. The main focus is to identify ethical values in Islamic business derived from these two chapters, particularly regarding fairness in transactions and the prohibition of fraudulent practices. This research employs a qualitative method with thematic analysis of relevant verses and their interpretation. The findings reveal key principles emphasized in the Qur'an, including justice, the prohibition of usury and deceit, mutual consent in agreements, and ethical conduct in business such as honesty and trustworthiness. Surah Al-Baqarah highlights justice and the prohibition of riba in financial dealings, while Surah Al-Mutaffifin strongly condemns cheating in measurements and weights. These insights affirm the relevance of Qur'anic principles in shaping a just, transparent, and socially responsible business system.
A Collaborative Model for Funding Indonesia’s MBG Program Through Government and Philanthropy Partnerships Asep Koswara
Journal of Islamic Economics and Philanthropy Vol. 7 No. 4 (2025): May
Publisher : Universitas Darussalam Gontor

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Indonesia’s Makan Bergizi Gratis (MBG) program faces significant funding constraints, making its long-term sustainability uncertain. Given the limitations of government financing, this study explores a collaborative funding model that integrates public, philanthropic, and private sector contributions. Using a literature review and case study analysis, the research examines funding mechanisms from successful international programs and assesses their applicability to Indonesia. Findings highlight effective public-philanthropy partnerships in countries such as Brazil, India, and the UK. Brazil’s Fome Zero program successfully reduced hunger through strong government commitment and private sector engagement. India’s Akshaya Patra Foundation scaled its school meal initiative by leveraging corporate social responsibility (CSR) funding, while the UK’s Magic Breakfast demonstrated how philanthropy can complement government efforts in ensuring food security for students. These cases illustrate how multi-sectoral collaboration enhances financial stability, operational efficiency, and program reach. This study provides practical recommendations for policymakers and philanthropic organizations to optimize financial contributions and governance structures. By fostering strong multi-sectoral collaboration, this model can serve as a replicable framework for other large-scale social programs.
Cash Waqf Linked Deposits: Maqashid Al-Syariah Perspective Muhamad Fasya Nur Arbaien; Silvia Ripa Nurkaromah
Journal of Islamic Economics and Philanthropy Vol. 7 No. 4 (2025): May
Publisher : Universitas Darussalam Gontor

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Cash Waqf Linked Deposits can be a sustainable investment instrument proposed by Islam to help maintain the ratio of public expenditure by, for, and of the people without involving interest rates. It is hoped that with the legalization of CWLD, the distribution of benefits of cash waqf will be more comprehensive and based on justice, not just limited to certain parties. CWLD contracts, on the other hand, need to be reviewed for their alignment with the public good from the Maqashid al-Syariah perspective. This research uses a descriptive method with a qualitative approach. The data analysis was conducted using three main steps: data reduction, data display, and data verification. The result of this research confirms that the CWLD scheme is in accordance with Maqashid Al-Syariah. The objectives of Muhafaẓah al-Din, Muhafaẓah al-Nafs, Muhafaẓah al-'Aql, Muhafazah al-Maal, and Muhafazah al-Nasl are interconnected in the CWLD scheme offered. The implication of this research is that cash waqf investment managers are expected to follow the procedures set by the Sharia Supervisory Board, as well as transparency in fund management and education about the benefits of digital payments are also important to build waqif loyalty.

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