Proceedings of Aceh International Seminar on Zakat and Waqf

The Effect of the Use of Digitalization of Zakat on Effectiveness in Collecting Zakat at Baznas Riau Province

2024-12-19T07:26:00+00:00

The purpose of this study was to determine the effect of the use of digitalization on the effectiveness of collecting zakat at BAZNAS Riau Province. Quantitative research design, with a total research sample of 43 respondents of BAZNAS Riau Province institutions. The research findings of the research results concluded that there was a significant influence between the digitalization of zakat and the effectiveness in the collection of zakat at BAZNAS Riau Province. Based on the research conducted in the digitalization of zakat on the level of effectiveness in the collection of zakat BAZNAS has an effect on effectiveness because from the results of the existing statement that the level of achievement or the amount of work achieved has been in accordance with the level of work quality measures in accordance with BAZNAS objectives. Performing zakat digitization transactions using the LinkAja application, can be done without time limits in paying zakat and can also be done quickly without any obstacles effectively in paying zakat.

CAN ZAKAT DISTRIBUTION REDUCE POVERTY RATE? AN EMPIRICAL EVIDENCE FROM PROVINCE ACEH

2024-12-12T13:50:37+00:00

In the perspective of Islamic economics, zakat is viewed as one of the Islamic fiscal policy instruments expected to reduce poverty levels. The institutionalization of zakat management through Baitul Mal in Aceh is anticipated to expedite poverty alleviation efforts in the region. However, the fact remains that the poverty rate in Aceh is relatively higher compared to other regions in western Indonesia. This study investigates the impact of zakat distribution on poverty reduction using panel data from 23 districts and cities in Aceh. The estimation model applied to test the functional relationship between the two variables is panel regression. The research proves that zakat distribution can significantly reduce poverty levels. These findings imply that zakat can be relied upon as a policy instrument to improve the standard of living, particularly in Aceh.

THE MODERATION ROLE OF GOOD AMIL GOVERNANCE ON INTEREST IN PAYING ZAKAT: EMPIRICAL EVIDENCE OF THE MUSLIM COMMUNITY OF INDONESIA

2024-12-12T15:50:21+00:00

The Moderation Role of Good Amil Governance on Interest In Paying Zakat: Empirical Evidence of the Muslim Community of Indonesia. Zakat has become an obligation that must be fulfilled by every Muslim, as a manifestation of religious obedience and fundamental social responsibility. The potential of zakat in Indonesia is very large, but the realization is still low compared to the existing potential. Therefore, effective and efficient management of zakat funds is very essential. This study aims to examine the role of moderation of Good Amil Governance on interest in paying zakat among Muslim communities in Indonesia by adopting the Theory of Planned Behavior (TPB). This research is a type of field research using quantitative methods. Data collection uses a questionnaire conducted online through google forms. The data analysis was carried out using a moderation regression technique using Smart-PLS with a sample of 100 respondents spread across several regions in Indonesia. The results of the study showed that attitude and perception of behavior control had a positive effect on Interest in Paying Zakat, but subjective norms did not have a positive effect on Interest in Paying Zakat. Meanwhile, Good Amil Governance does not moderate the relationship between attitudes, perceptions of behavioral control towards Interest in Paying Zakat. However, Good Amil Governance plays an important role in strengthening the relationship between subjective norms and Interest in Paying Zakat. Where good governance by amil zakat is able to increase public trust and views, thus encouraging them to be more interested in paying zakat. This finding provides practical implications for zakat institutions in improving good governance to encourage community participation in zakat payments.

ANALYSIS OF FACTORS INFLUENCING THE SUCCESS OF MUSTAHIQ BUSINESS WITH WORK ETHIC AS AN INTERVENING VARIABLE

2024-12-12T17:13:03+00:00

Poverty is a crucial problem that must be overcome with strategic and effective steps. In Aceh, the phenomenon of poor people running ultra-micro-based businesses faces big challenges in accessing business capital financing from formal financial institutions. This group is often considered unbankable because it does not meet the credit worthiness criteria set by the bank, such as having adequate collateral or collateral, as well as regular financial records. As a result, many ultra-micro business actors are forced to take shortcuts by borrowing money from loan sharks, who offer loans with very detrimental interest rates. This practice not only burdens them with mounting debt, but also worsens their economic conditions in the long term. Baitul Mal Aceh, through the instrument of productive zakat utilization, is a solution in efforts to eradicate poverty. This research aims to analyze the factors that influence the success of mustahiq businesses with work ethic as an intervening variable. The method used in this research is a type of quantitative research. The population in this study were productive zakat mustahik who received ultra-micro business capital assistance in Baitul Mal Aceh by drawing a sample of 100 respondents using data collection techniques in the form of distributing questionnaires. The data analysis technique uses the Partial Least Square (PLS) approach using SmartPLS version 3 software. The results obtained are (1) Coaching has a significant positive effect on the success of mustahik businesses; (2) Mentoring has a significant positive effect on the success of mustahik businesses; (3) Coaching has a significant positive effect on work ethic; (4) Mentoring has a significant positive effect on work ethic; (5) Work ethic has a significant positive effect on the success of mustahik businesses; (6) Coaching has a significant positive effect on the success of mustahik businesses with work ethic as a mediating variable; (7) Mentoring has a significant positive effect on the success of mustahik businesses with work ethic as a mediating variable. The results of this research can be used as consideration for Baitul Mal Aceh for decision making in empowering the mustahik economy and as a consideration for mustahik to continue to improve their work ethic in entrepreneurship.

INCOME ZAKAT KIFAYAH LIMITS IN KEDAH STATE: A STUDY

2024-12-18T17:12:19+00:00

This study aims to identify the kifayah limit for income zakat in the State of Kedah, with a focus on the minimum living requirements set to determine eligibility for zakat payment. Income Zakat is one of the important instruments in the Islamic economic system that works to reduce poverty and economic imbalance in the community. However, determining the exact kifayah limit is critical to ensure that zakat can be channeled to those who really need it. This study uses a qualitative approach including secondary data analysis from official reports on the Kedah State Zakat Board (LZNK) website and the Zakat on Touch application as well as interviews with zakat experts and individuals involved in zakat management at LZNK. The results of the study show that there are variations in the determination of kifayah limits based on demographic, economic, and social factors. This study also found that determining kifayah limits more dynamically and contextually can increase the effectiveness of income zakat collection and distribution in this state. The implication of this study is the need for improvements in the guidelines for determining kifayah limits to be more reflective of the current situation and challenges faced by the community in Kedah. This study is expected to contribute to policy makers and LZNK authorities to improve the zakat collection and distribution system as well as strengthen the economic well-being of the community.

TOWARDS A NEW ERA OF CASH WAQF (CASH WAQF INNOVATION THROUGH ARABIC LANGUAGE LEARNING APPLICATION PROGRAM) CONTEMPORARY WAQF FOR THE NEWEST PEOPLE

2024-12-19T05:21:26+00:00

The substance of cash waqf with the final socialist innovation model in the learning application program can realize social welfare, because it builds a relevant mutual fund model through endowment funds from the people which are managed by trustworthy professionalism in overcoming anxiety as an effort to stimulate the economic growth of the people. The results of this research indicate that the integration of cash waqf with learning application technology can be an innovative solution in increasing Arabic language literacy among Muslims. The implication of this research is strengthening the use of technology in the context of waqf, which can expand access and participation in religious education, in line with the demands of changing times. The research method used is qualitative by examining existing data. A qualitative approach was used to analyze data from literature studies.

THE PRODUCTIVE ZAKAT DISTRIBUTION PATTERNS IN POVERTY ALLEVIATION: A CIBEST APPROACH

2024-12-11T12:08:17+00:00

This research has the first objective, to explore in depth the distribution pattern of productive zakat that can alleviate poverty, second; measuring the position of mustahik with the CIBEST approach. This research focuses on the distribution of zakat by BAZNAS Probolinggo using a mix method, which is a combination of qualitative and quantitative research types. The qualitative approach used is a case study. This approach is used to explore the distribution pattern used by BAZNAS in producing its zakat funds. The data was analyzed using interpretive analysis with a flow model from Miles and Huberman. The data validity techniques used are source triangulation and technique triangulation. After there are findings about the pattern of zakat distribution, this study is continued with a quantitative approach with a descriptive statistical type. The analysis used is CIBEST (Center of Islamic Business and Economic Studies). So that the results of this study stated, first, in the distribution of productive zakat, BAZNAS Probolinggo uses two patterns, namely the traditional productive distribution pattern and the modern productive distribution, second, the distribution pattern used by BAZNAS Probolinggo has an impact on alleviating mustahik poverty. Based on the CIBEST model approach, the position of mustahik after receiving productive zakat with a modern distribution pattern has changed from quadrants III and IV to quadrants II and I, meaning that mustahik is no longer in a condition of poor property and spirituality. However, in quadrant II, mustahik has no wealth but has high spirituality, while in quadrant I, mustahik already has wealth and spirituality, meaning that the condition is prosperous.

THE ROLE OF ISLAMIC SOCIAL FUNDS IN REDUCING POVERTY AND CRIME RATES IN INDONESIA

2024-12-12T05:47:49+00:00

Several studies indicate that poverty is closely related to crime rates. In Islam, poverty alleviation can be achieved through the utilization of zakat, infaq, sedekah, and other religious social funds (ZIS-DSKL). This study aims to analyze the role of religious social funds (ZIS-DSKL) in reducing poverty, which in turn will help decrease crime rates in Indonesia. Using panel data from 34 provinces for the period 2018-2023, this study develops two static panel regression models with a random effects approach. The first model examines the impact of ZIS-DSKL on the percentage of the poor population (p0), while the second model assesses the impact of ZIS-DSKL on the number of criminal cases. Results from the first model show that ZIS-DSKL, life expectancy, and the open unemployment rate significantly influence poverty. The second model reveals that ZIS-DSKL, per capita income, population size, the percentage of the poor population, and gross enrollment rate in higher education significantly affect the number of criminal cases. These findings suggest that the allocation and effectiveness of ZIS-DSKL can contribute to reducing poverty and crime. Recommendations are provided to improve the management of religious social funds to maximize their impact on social policy.

RELEVANCE OF KNOWLEDGE REGARDING INCOME ZAKAT OBLIGATIONS, HOW IS IMPLEMENTATION?

2024-12-12T15:05:11+00:00

The results of this study show that the public's knowledge about paying income zakat is good, as well as the community is very interested in paying income zakat. There is a relationship between knowledge and interest in paying zakat on the income of the people of Lam Nga Village, Aceh Besar Regency. This research is a research that uses a quantitative approach. The type of data in this study is primary data. The analysis method in this study uses bivariate (chi-square) analysis. Zakat on profession / income is giving property from income that has reached nisab and haul to people who are entitled to receive it with certain conditions. This study aims to determine the relationship between knowledge and interest in paying zakat income of the people of Lam Nga Village, Aceh Besar Regency

ANALYSIS OF THE EFFECT OF ZAKAT, INFAQ, SADAQAH (ZIS) ON POVERTY IN ACEH PROVINCE

2024-12-12T16:47:21+00:00

Poverty is a condition where a person is unable to fulfill their needs. One of the indicators of a good country is when the poverty rate is low. So a solution is needed to overcome poverty. The distribution of zakat, infaq, and sadaqah (ZIS) funds is one of the solutions to overcome poverty, especially in Aceh Province. This study aims to analyze the effect of ZIS on poverty in 23 districts/cities of Aceh Province during the 10 years 2014-2023. This research uses quantitative methods with panel data regression analysis or a combination of time series and cross-section data obtained from Baitul Mal Aceh and the Central Bureau of Statistics (BPS) of Aceh Province. The best model used is the Random Effect Model (REM). The results showed that ZIS had a significant effect with a significance value of 0.0001 and showed a negative direction with a coefficient of -1.51E-10. If other variables are assumed to be fixed or carteris paribus, so every 1% increase in ZIS, poverty will decrease by one unit. These results state that the distribution of ZIS funds in 23 districts/cities of Aceh Province can be a solution to reducing poverty levels in Aceh Province.

PRODUCTIVE WAQF MANAGEMENT BY WAQF NAZHIR IBADURRAHMAN INSTITUTION IN DURI, RIAU PROVINCE

2024-12-13T04:20:05+00:00

Productive waqf management by the Nazhir Waqf Ibadurrahman Duri Institution has not shown maximum results, as the beneficiaries and the surrounding community have not felt its impact. This research aims to identify productive waqf management strategies and the challenges and obstacles faced by the Nazhir Waqf Ibadurrahman Duri Institution. The method focuses on an in-depth exploration by detailing the phenomena in the field regarding the institution's productive waqf management. Data were obtained through in-depth interviews with institutional administrators and from documents related to waqf management. The research results showed that strategies in productive waqf management by the Nazhir Waqf Ibadurrahman Duri Institution (LNW) include making a comprehensive business plan, managing Human Resources (HR) by increasing the capacity and competence of administrators through waqf nazir certification, utilizing waqf assets for productive activities such as plantations, trade, and services, making transparent financial reports, and creating cash waqf or productive waqf programs to attract public participation. Challenges in productive waqf management include the lack of knowledge and skills of the nazir, limited funds for the development and maintenance of waqf assets, lack of access to technology and information to improve waqf management efficiency, lack of public awareness and participation in productive waqf, and business risks such as crop failure or natural disasters affecting waqf assets.

EDUKASI ZAKAT BAGI MUZAKKI DI ERA SOCIETY 5.0

2024-12-19T04:53:24+00:00

As one of the pillars of Islam that must be fulfilled by people who have fulfilled the terms and conditions of zakat, then at least zakat education is a requirement for muzakki. Where currently in the 5.0 era there are still many people who do not know and understand and do not practice zakat even though they are already categorized as muzakki. Therefore, proper education must be given to them so that they can practice zakat in their lives through religious education. Religious education is an effort that is carried out consciously and planned to prepare humans (Muslims) to be able to know, understand and have faith and piety to Allah SWT and also have noble character in practicing Islamic teachings. This will not be accomplished if it is not through a process of guidance, teaching, training and the use of experience that has been gained in everyday life.

THE EFFECT OF INCOME AND KNOWLEDGE ON INTEREST IN PAYING ZAKAT AT ZAKAT INSTITUTIONS (STUDY OF ULEE KARENG MARKET TRADERS)

2024-12-12T14:25:13+00:00

This study aims to analyze the Influence of Income and Knowledge on the Interest in Paying Zakat at Zakat Institutions (Study of Ulee Kareng Market Traders). The research sample consisted of 78 Ulee Kareng market respondents, the technique for determining respondents was the Random Sampling method, this study used multiple linear regression analysis data techniques which have characteristics involving more than one independent variable, the results of the study showed that Income has a significant positive effect on the Interest in Paying Zakat at Zakat Institutions and knowledge also has a significant positive effect on the interest in paying zakat at zakat institutions

ASPECTS THAT INFLUENCE SOCIETY IN PAYING ZAKAT FITRAH THROUGH INSTITUTIONS

2024-12-12T16:10:40+00:00

Zakat has enormous potential and benefits in helping to overcome poverty in Indonesia. However, there are several factors that can hinder the optimization and realization of the benefits of zakat. this study aims to see whether or not there is an influence between cultural variables (X1) and belief variables (X2) on the interest in paying zakat fitrah (Y) zakat amil at the Jami Al-Iman Mosque RT15/RW04 Babakan Village, Cimande, Bogor Regency. This study uses quantitative methods with a data test process that will reveal the results of questionnaires distributed to 104 samples with data analysis techniques using SPSS version 25. In the results of the t test on cultural variables get a calculated t result of 2,974 and a calculated t value on the community trust variable of 5,746 >t table t with a < significance of 0.05, in the t test results it means that there is a positive and significant influence. In test F, the significance value was obtained at 0.000 < 0.05, which means getting simultaneous effect results. The results of determinant coefficients on cultural variables and community beliefs get influence results of 56.5%. The results show the importance of paying attention to factors in optimizing zakat to overcome poverty in Indonesia.

THE IMPACT OF NU CARE-LAZISNU KUDUS'S PRODUCTIVE ZAKAT IN IMPROVING WELFARE: CIBEST MODEL PERSPECTIVE

2024-12-13T01:43:43+00:00

This research aims to determine the impact of NU CARE-LAZISNU Kudus's productive zakat assistance on the welfare of mustahik and to understand changes in the Quadrant classification of mustahik before and after receiving assistance. This research used field research methods with a quantitative approach. The sample consisted of 20 respondents who received productive zakat assistance and were selected as a whole. Respondent data was analyzed based on the CIBEST index and classified based on material and spiritual aspects. Data analysis included validity, reliability, and t-2 sample tests with the help of SPSS. The research results showed that NU CARE-LAZISNU Kudus's productive zakat assistance significantly impacts the welfare of mustahik, both from material and spiritual aspects. This is proven by an increase in the average household income of respondents from IDR 2,515,750 to IDR 3,645,000 and an increase in their spiritual values. The impact can also be seen from the change in the mustahik Quadrant classification. Before receiving zakat assistance, there were 16 mustahik households classified in Quadrant I (prosperous) and 4 in Quadrant II (material poverty). No mustahik was in quadrant III (spiritually poor) and quadrant IV (absolute poor). After receiving zakat assistance, the number of mustahik households in quadrant I (prosperous) increased to 18 (up 10%), and those in quadrant II (material poverty) decreased to 2 (down 10%).

LEVERAGING DIGITAL PLATFORMS FOR THE COLLECTION AND DISTRIBUTION OF ZISWAF FUNDS: ONLINE DONATION SYSTEMS AND MOBILE APPLICATIONS

2024-12-19T04:36:06+00:00

This study explores the collection and distribution of ZISWAF (Zakat, Infak, Sadaqah, and Waqf) funds via digital platforms, emphasizing the role of mobile applications and online donation systems. The rapid advancement of digital technologies and their integration into charitable donation mechanisms present substantial opportunities for enhancing transparency and building trust in fund management. The research assesses the innovations brought by digitalization in managing ZISWAF funds and the challenges encountered from technological, social, legal, and ethical perspectives. The central research question addresses how digital platforms can be made more transparent and reliable in the collection and distribution of ZISWAF funds. Utilizing a qualitative research method with a case study design, data was gathered through a literature review and analysed using thematic analysis. The findings are categorized under five main themes: the scope and suitability of digital donation systems, transparency and trust, user-friendly interfaces, target audience and application purpose, and project diversity and impact. The results indicate that digital donation systems offer significant benefits in areas such as transparency, transaction speed, and real-time tracking of fund usage through reporting and traceability. However, they also highlight the need for improvements in security, data protection, and legal regulations. Particularly, while blockchain technology is noted for enhancing transparency, it also poses risks related to data protection and user privacy. The discussion section explores the practical implications of these findings and suggests areas for further research and policy development to optimize the integration of digital systems into ZISWAF management. In conclusion, developing and promoting digital donation systems in alignment with technological, legal, and ethical standards can significantly improve the effective collection and distribution of ZISWAF funds, thereby contributing to social justice and solidarity. However, enhancements in areas such as security, legal frameworks, and user education are necessary for the full realization of these benefits.

THE IMPACT OF IMPLEMENTING PSAK NO. 109 ON THE ACCOUNTABILITY AND TRANSPARENCY OF ZAKAT MANAGEMENT ORGANIZATIONS IN BAITUL MAL, ACEH PROVINCE

2024-12-19T07:17:21+00:00

This research aims to find out and analyze the implementation of PSAK No. 109 Concerning Zakat, Infaq and Sadaqah on Zakat Management Organizations (OPZ) in Increasing Accountability and Transparency in Baitul Mal Aceh Province. In this research, the methodology used is: descriptive research with a qualitative approach. The results of this research show that: (1) Baitul Mal Aceh (BMA) Aceh Province has implemented PSAK No. 109 in terms of Financial Reporting including the Aspects of Recognition, Measurement, Presentation and Disclosure of Zakat funds, Infaq/Alms and other Religious Assets (HKL) which is in accordance with the Standardization and provisions in the Statement of Financial Accounting Standards No. 109 concerning Zakat, Infaq and Alms. In terms of accountability, Baitul Mal Aceh has fulfilled the aspects of accountability and transparency as a public service in carrying out the process of auditing its financial reports every period and conveying information openly through information media (print, digital and website) regarding financial reports as a form of responsibility/accountability and transparency to the Community (Mustahik and Muzakki) and obtaining the WTP (Fair Without Exception) Predicate from the Aceh Government. (2) In the process of implementing Statement of Financial Accounting Standards No. 109 concerning Zakat, Infaq and Alms Accounting, Baitul Mal Aceh (BMA) has several obstacles or obstacles in implementing PSAK No. 109 Standardization, in the form of a lack of competent Human Resources (HR). in the field of financial accounting and the absence of a system or application/program in preparing financial reports for Zakat, Infaq and Alms. However, in terms of facilities and infrastructure, the parties are very supportive of implementing this standardization.

THE INFLUENCE OF ZAKAT, INFAQ, AND SADAQAH (ZIS) ON THE HUMAN DEVELOPMENT INDEX IN WEST SUMATRA

2024-12-12T11:51:58+00:00

The purpose of this research is to examine the influence of Zakat, Infaq, and Sadaqah (ZIS) on the West Sumatra Human Development Index (HDI) by looking at the influence of (ZIS) on life expectancy, years of schooling, and population expenditure. This research used a quantitative analysis method with panel data regression, using secondary data sourced from the annual report of the West Sumatra National Amil Zakat Agency (BAZNAS) for 2015-2022. The findings of this research indicate that ZIS has a positive and significant effect on the life expectancy of Mustahik in West Sumatra, which is distributed through health assistance programs. In addition, ZIS has a positive and significant effect on the years of schooling of Mustahik in West Sumatra, which is distributed through the Mustahik education scholarship program. ZIS has a positive and significant effect on Mustahik expenditure in West Sumatra, which is channelled through working capital assistance.

EMPOWERING MSMES THROUGH THE INTEGRATION OF CASH WAQF: CASE STUDY OF MSME CENTRE TEGALWARU

2024-12-12T15:31:01+00:00

Micro, small, and medium enterprises (MSMEs) play a significant role in economic development. However, there are variousl challenges that hinder the growth of MSMEs, such as limited access to financing. Furthermore, the widespread use of predatory lenders, such as Bank Emok, worsen the financial conditions of the community. Various initiatives have emerged to utilize cash waqf to empower MSMEs, though most remain at the conceptual model stage. This study investigates empirical evidence from a real-world application of cash waqf models to support MSMEs in Indonesia. Using a qualitative approach with expert interviews and SWOT analysis, this paper examined the case of the MSME Centre Tegalwaru. Findings reveal that the centre has successfully leveraged cash waqf to provide MSMEs with additional financing, human capital development, and business enablement. However, the centre also faced challenges in fundraising, high financing risk, and limited human resources. The proposed Community Venture Waqf Model is expected to open new sources of funding from tourists and corporations, mitigate risk through reserve fund or takaful, and promote collaboration with various stakeholders. Although limited to the Tegalwaru context, this research offers valuable insight for practitioners, regulators, and academicians interested in adapting similar waqf model to foster MSME’s growth and economic development in other regions.

OPTIMIZATION OF ZISWAF FUND MANAGEMENT BY BAZNAS TO IMPROVE THE WELFARE OF THE PEOPLE OF WEST BANDUNG

2024-12-12T16:59:14+00:00

This study investigates the programs that have been created by BAZNAS West Bandung Regency to manage Zakat, Infaq, Shadaqah, and Waqf (ZISWAF) and how it has impacted on improving the welfare of the people in the West Bandung region as well as exploring the implementation strategies used by BAZNAS. With a focus on integration that refers to the value of the Qur'an in every aspect of Ziswaf management. This research method is included in the qualitative method by reviewing all previous researchers to be used as reference material and additional information for this research. The results showed that effective ZISWAF management conducted by BAZNAS significantly contributed to the improvement of the welfare of the people of West Bandung in the fields of education, social, and economic. This finding confirms the importance of managing ZISWAF transparently and accountably in realizing the social and economic welfare of the community in a sustainable manner

LEGAL PROTECTION FOR NADZIR ON LAND WAQF DISPUTE RESOLUTION IN INDONESIA

2024-12-18T07:41:05+00:00

Nadzir berperan penting dalam memelihara dan mengelola harta wakaf tanah, namun, realisasinya kedudukan nadzir kurang kuat dalam menghadapi sengketa, sehingga belum sepenuhnya mendapatkan perlindungan hukum dalam penyelesaian sengketa wakaf tanah. Penelitian bertujuan untuk menganalisis bentuk perlindungan hukum bagi nadzir dalam penye lesaian sengketa wakaf tanah. Hasil penelitian dapat digunakan sebagai ide gagasan bagi kebijakan pemerintah, kaitannya dengan perlindungan hukum bagi nadzir dalam penyelesaian sengketa wakaf tanah. Penelitian ini termasuk doktrinal dan diskriptif analisis, menggunakan pendekatan yuridis normatif, membutuhkan data sekuder, yang terdiri dari bahan hukum primer, sekunder dan tersier. Pengumpulan datanya melalui studi pustaka dan dokumentasi yang berkaitan dengan perlindungan hukum, nadzir dalam sengketa wakaf , dan penyelesaiannya. Hasil penelitian menunjukkan bahwa nadzir mendapatkan perlindungan hukum dalam penyelesaian sengketa wakaf tanah, apabila perbuatan wakaf sudah terpenuhi rukun dan syarat, serta nadzir taat hukum dalam melaksanakan kewajibannya. Perlindungan hukum bagi nadzir secara preventif, yakni regulasi penyelesaian sengketa wakaf dan legalitas nadzir berupa SK nadzir, secara represif berupa; pemberikan hak untuk dibela dan dilindungi secara adil dari pihak yang merugikan dan hak untuk dibantu/didampingi dalam penyelesaian sengketa wakaf tanah secara non litigasi dan/atau litigasi. Tujuannya untuk mendapatkan kepastian dan keadilan di depan hukum, sehingga tanah wakaf terselamatkan dan dapat diberdayakan oleh nadzir. Rekomendasinya, KEMENAG dan BW I mengangkat nadzir profesional, dan BWI berperan mengadvokasi nadzir dalam penyelesaian sengketa wakaf tanah supaya mendapatkan perlindungan hukum.

OPTIMISATION OF SHARIA ECONOMY: THROUGH THE DEVELOPMENT OF PROFESSIONAL NADZIRS IN GOWA DISTRICT

2024-12-19T05:16:08+00:00

The problem of waqf today lies in the lack of optimal management of waqf assets, which is still limited to the needs of the waqf. the management of waqf assets that have not been maximised, which is still limited to the needs of worship. worship purposes, for this reason, it is necessary to manage waqf productively through the development of professional nadzir. The purpose of of this research is to analyse the efforts and strategies in developing professional nadzirs in Guatemala Regency. professional nadzir in Gowa Regency. This research uses a type of qualitative research that aims to understand the phenomenon of what is experienced by the research subject, namely Nadzir and the Ministry of Religion of Gowa Regency. The research approach used is a case study by observing and studying the case of the application of nadzir in managing waqf, The data sources used are primary and secondary. Primary data is data obtained directly through interviews with informants while secondary data is data obtained from books and related articles.The results of this study indicate that the management and utilisation of waqf assets in Gowa Regency are still dominated by the needs of 3 M (Mosque, Mushollah and Madrasah) due to several reasons, namely: 1). Low public knowledge about productive waqf. 2) The government has not socialised productive waqf and 3) Nadzir is not professional. The efforts and strategies made by the Ministry of Religious Affairs of Gowa Regency have not been maximised in developing nadzir because there is no work program that leads to training and nadzir schools that still focus on socialising the administration of waqf land, this shows that nadzir in Gowa Regency have not been scientifically trained to become professional nadzir in managing productive waqf assets so that waqf as a sharia financial instrument has not had the maximum impact on the welfare of the people in Gowa Regency.

THE RISK OF USING CRYPTOCURRENCY (BITCOIN) AS ZAKAH PAYMENT IN INDONESIA BASED ON MUI FATWA

2024-12-12T05:04:43+00:00

According to its function, money is not only a medium of exchange but also a value or a count. Cryptocurrency is money that does not have a tangible form that can be touched as currency in general but only blocks of data that are validated because they have been bound by hashes. The use of Bitcoin is not strictly supported by the government because it is an unbound asset and its instability as a tangible asset caused by the high volatility of Bitcoin. This research analyzes the implementation of Saddu Dzari'ah principle in the use of cryptocurrency (bitcoin) as zakat payment, focusing on the analysis of MUI Fatwa No. 13 Year 2011 on the Law of Zakat on Haram Assets. The research method used is qualitative research with data analysis techniques through inductive and descriptive. The data is obtained from the results of documentation and literature data collection. The law of using Bitcoin in the view of scholars is that some allow transactions and some do not. Cholil Nafis from NU and Fatwa Muhammadiyah said that the use of Bitcoin includes transactions that contain gharar and harm. In MUI Fatwa No. 13 of 2011, it is stated that haram assets are not allowed to be zakaah because zakat must be from objects that are purely halal in terms of acquisition and the assets themselves. In the perspective of Sadd Al-Dzari'at, the Indonesian Ulama' have issued a haram fatwa for Zakat on Haraam Assets. This is a reinforcement that Cryptocurrency (Bitcoin) brings problems. In fiqh rules, it is explained that rejecting mafsadat (damage) takes precedence over attracting benefits.

THE ROLE OF BAITUL MAL WA TAMWIL (BMT) IN ECONOMIC EMPOWERMENT OF THE PEOPLE

2024-12-12T14:46:33+00:00

The people of Indonesia and Malaysia do not wish to be perceived as the world's biggest debtor nation or as a consumerist society. The development of hope for the optimization of BMT in the area of empowering the poor in building the people's economy is what the people of Indonesia desperately need now. The purpose of this study is to ascertain how BMT, an Islamic financial institution, has contributed to the growth of the contemporary economic community. The findings demonstrated that the Baitul Mal wa Tamwil (BMT) functioned as a microfinance organization that shared profits and created a sharia microbusiness with the goal of enhancing the status and dignity of underprivileged and impoverished individuals. As a sharia bank engaged in the profitable development of the people, BMT must continue to estimate each exertion to ameliorate the products offered. BMT must now try to optimize development with a precise strategy so that people can continue to believe in BMT rather than conventional financial institutions.

Mosque Financial Inclusion; Maximizing ZISWAF for the Poor in Jogokariyan Village, Yogyakarta

2024-12-12T16:24:33+00:00

This research aims to answer the problem of optimizing the Mosque as a place for implementing financial inclusion by maximizing the ZISWAF sharia instrument to overcome the economic conditions of vulnerable, poor, and capital-poor people.

With a case study methodology with a single instrument, this qualitative research concentrates on one problem which is then studied comprehensively in the research locus at the Jogokariyan Mosque located in Jogokariyan Village, Yogyakarta. Data collection techniques include observation, interviews, and document reviews.

The results of the research show: the implementation of financial inclusion at the Jogokariyan Mosque, Yogyakarta, located in Jogokariyan Village, Yogyakarta, has been carried out well which can be measured by three indicators, namely, access, use, and quality indicators. The access indicator is carried out through the existence of a number of existing institutions, including Baitul Mal and LAZ as mosque 'banks', without involving government or private financial institutions. These institutions can be easily reached by the target community for financial inclusion. The indicators of the use of the Jogokariyan Mosque are consumptive-productive, where the financing scheme provided to the target community of financial inclusion is in the form of qard, qardhul hasan, and grant contracts. Baitul Mal, and LAZ provide financing to the unbanked or unbanked community without collateral and avoid usury. Quantity indicators, the number of financing recipients has increased, there has been a change in the status of mustahiq to muzakki.

Financial inclusion of mosques implemented at the Jogokariyan Mosque, Jogokariyan Village, Yogyakarta by using the ZISWAF instrument to the maximum, by the government through the Ministry of Religion can be optimized in hundreds of thousands of mosques in Indonesia as a solution to poverty alleviation.

DEVELOPMENT STRATEGY FOR BUSINESS CAPITAL ASSISTANCE PROGRAMS FOR MICRO, SMALL, AND MEDIUM ENTERPRISES AT BAITUL MAL BANDA ACEH

2024-12-13T02:51:57+00:00

Modal bagi Usaha Mikro Kecil dan Menengah merupakan salah satu unsur penting bagi keberlangsungan sebuah usaha. Kehadiran Baitul Mal Kota Banda Aceh melalui program bantuan usaha berperan penting dalam mengembangan usaha pelaku UMKM di Kota Banda Aceh. Harapannya program tersebut berdampak jangka panjang bagi keberlansungan ekonomi masyarakat serta dapat mengubah status pelaku usaha dari mustahik menjadi muzakki. Namun problematika muncul ketika bantuan usaha yang diberikan tidak tepat sasaran dan tidak adanya pendampingan bagi pengembangan SDM dalam hal ini UMKM. Sehingga program bantuan usaha yang disalurkan tidak memberikan dampak yang signifikan bagi UMKM. Kajian ini bertujuan untuk menawarkan strategi pengembangan bagi Baitul Mal dalam menyalurkan program bantuan modal usaha bagi UMKM. Jenis penelitian yang digunakan yaitu lapangan dengan pendekatan kualitatif deskriptif. Adapun strategi yang perlu dikembangkan oleh Baitul Mal Kota Banda Aceh dalam penyaluran program bantuan modal usaha bagi UMKM yaitu: pertama, penerapan metode TOPSIS dalam pengambilan keputusan pemberian bantuan modal usaha. Kedua, pengembangan Sumber Daya Manusia yang dilakukan melalui pelatihan/pembinaan, keterlibatan dalam event UMKM dan pembentukan wadah atau center UMKM. Ketiga, pengawasan secara intensif. Strategi ini perlu dilakukan oleh lembaga untuk memonitoring dan mengevaluasi bisnis yang dijalankan oleh pelaku usaha apakah ada pengembangan atau tidak. Keempat, menjalin kerjasama dengan lembaga terkait seperti Dinas Kesehatan, LPPOM MPU Aceh, BPOM, Dinas Koperasi dan UKM, PPH, Asosiasi Grafika Aceh dan Kominfo. Kerjasama ini harapannya mempermudah UMKM naik kelas melalui pengembangan kualitas produk baik dari segi pengurusan Izin edar produk atau P-IRT, sertifikasi halal, keterlibatan dalam event UMKM, desain merek dan lainnya sera mendorong peningkatan kualitas pengembangan SDM khususnya dalam bidang Teknologi Informasi dan Komunikasi (TIK)/digital untuk meraih tingkat daya saing bangsa Indonesia yang lebih baik sehingga pemanfaatan TIK dapat meningkatkan kesejahteraan masyarakat.

THE IMPACT OF ECONOMIC RECOVERY ON MIKORO BUSINESS ACTORS AT BAZNAS REGENCY OF TEN TAKALAR CIBEST MODEL

2024-12-19T04:46:40+00:00

This research aims to examine the impact of economic recovery with CIBEST model. The CIBEST model is a method that measures poverty from a perspective Islam by harmonizing material and spritual aspects using BPS data for calculate the MV value before and after receiving economic recovery assistance from BAZNAS Takalar Regency. The research carried out was field research with using qualitative methods and ussing the CIBEST model as a measuring tool. Amount The mustahik in this study were 8 heads of households. The research results show that economic recovery assistance from BAZNAS Takalar Regency is measured based on The CIBEST model is effective, seen based on the CIBEST model analysis carried out namely, quadrant I in the prosperous category has 3 households, quadrant II in the material category has 5 houses households, quadran II is spritually poor and quadrant IV is absolute poverty, there are no households who are spritually and absolutely poor. Research results from the welfare index and CIBEST model povery after receiving assistance is on the welfare index amounting to 0.375, a change of 37.6%, the material poverty index was 0.625, a change of 625 %. Index spritual poverty and absolute poverty spritual poverty and absolute poverty there is no change, 0% means household mustahik both before and after receiving aid, nome of them spritually poor and Absolutely poor, they are rich in spritual values but poor in material things.

Cash Waqf for Mosque Development: Engaging Every Citizen in a Perpetual Endowment

2024-12-11T16:03:34+00:00

This research aims to explore the viability and effectiveness of cash waqf through digital crowdfunding platforms in facilitating the construction of mosques in predominantly Muslim areas. It also seeks to propose a cash waqf model that encourages community-wide participation by involving every citizen. The study uses qualitative content analysis, drawing on literature reviews, and digital crowdfunding platform analysis, with a focus on the Maldives and Banda Aceh as unique contexts for exploring the scalability and sustainability of the proposed cash waqf model. This study introduces the Community-Integrated Waqf Development Model, demonstrating how digital crowdfunding can make cash waqf accessible to every citizen, encouraging full community participation. By enabling small contributions, the model cultivates a strong sense of shared ownership and responsibility. Our analysis suggests that this approach is not only sustainable and scalable but also has the potential to significantly enhance local development and cultural significance, particularly in fully Muslim communities like those in the Maldives and Banda Aceh. The findings offer practical recommendations for enhancing cash waqf implementation to support community development and meet the religious needs of Muslim populations. This research highlights the transformative potential of digital crowdfunding in modernizing waqf practices, emphasizing the crucial role of community-wide participation. It provides a practical and sustainable model for mosque construction, offering valuable insights for enhancing Islamic social finance in community development.

THE EFFECT OF DISTRIBUTION OF ZAKAT, INFAQ, AND SEDEKAH (ZIS) FUNDS AND THE NUMBER OF MUSLIM POPULATION ON ECONOMIC GROWTH IN CIREBON CITY 2013-2022

2024-12-11T12:31:29+00:00

The development of a country cannot be separated from economic growth in each region. Economic growth is one of the benchmarks for economic development. This research aims to determine and analyze the influence of the distribution of zakat, infaq, and sedekah (ZIS) funds and the number of Muslim residents on economic growth in Cirebon City. This research method uses a quantitative approach with multiple linear regression analysis methods. The data used in this research is financial reports on the distribution of zakat, infaq, and sedekah (ZIS) funds, the number of Muslim residents, and economic growth in Cirebon City in 2013-2022. The results of this research indicate that the distribution of zakat, infaq, and sedekah (ZIS) funds does not have a significant influence on economic growth with a significance value of 0.380 > 0.05, in the Muslim population variable there is a considerable influence on economic growth with a significance value of 0.000 < 0.05, and simultaneously on the variable distribution of zakat, infaq, and sedekah (ZIS) funds and the number of Muslim population there is a significant influence on economic growth in Cirebon City with a significance value of 0.000 < 0.05.

ANALYSIS OF SOCIAL RETURN ON INVESTMENT (SROI) IN THE YOUNG FARMERS PROGRAM IN BERDAYA VILLAGE

2024-12-11T15:33:58+00:00

Based on BPS data as of September 2022, Java Island is the largest contributor to poor people in Indonesia and West Java is one of the provinces with the highest number of poor people. One potential that can be developed is agriculture. The problem is, the number of young farmers in this province is very small. Rumah Zakat contributes to improving the welfare of the poor in Palasari Village, Subang Regency through the Young Farmers Program. This research aims to measure the impact of utilizing zakat, infaq and alms funds distributed in the Young Farmers Program. This research uses Social Return on Investment (SROI) analysis, the method used is mix method by combining qualitative and quantitative. The sample was determined using purposive sampling and data collection through field observations, in-depth interviews and document studies, while determining the SROI ratio value using the equation of Net Present Value of Benefit and Net Present Value of Investment. The results of this research show that the impact of utilizing zakat, infaq and alms funds distributed in the Young Farmer Program using the SROI calculation approach produces a value of 1:2,03. It means that every Rp1 contribution will generate social benefits of Rp. 2,03. So that, the zakat, infaq, and alms funds distributed in the Young Farmer Program have a big impact on the beneficiaries. The program can be categorized as feasible and right on target.