El-Qist: Journal of Islamic Economics and Business (JIEB)

Manajemen Pengelolaan Aset Umat Mazhab Pesantren Surabaya

Muhammad Ghufron, Moh Hatta — Wed, 21 Dec 2022 00:00:00 +0000

Abstrak: Kajian tentang potensi aset umat dan tata kelolanya menjadi kajian yang patut diberi porsi lebih. Al-Jihad sebagai salah satu lembaga yang mengelola aset umat tampak memiliki model tata kelola yang menarik untuk dikaji secara mendalam. Oleh karena itu, fokus utama kajian ini berkisar dua hal: Bagaimana tata kelola aset umat di Yayasan al-Jihad Surabaya; dan bagai analisis hukum Islam terkait tata kelola tersebut. Kajian ini adalah kajian lapangan yang mempergunakan pendekatan filosofis. Data diperoleh dari wawancara langsung terhadap beberapa tokoh yang terkait langsung dengan objek kajian. Data terkumpul dianalisis kritis secara mendalam, dan analisis compare-contrast dilakukan guna memperoleh validitas data yang diperoleh. Penelitian ini mengkonfirmasi setidaknya dua kesimpulan besar: Pertama, prinsip skala prioritas (awlāwīyah) memainkan peran besar dalam tata kelola aset umat Islam. Lembaga pendidikan yang baik, sejatinya juga bisa menjelma sebagai lembaga sosial yang dapat mengangkat harkat, martabat dan kesejahteraan lembaga-lembaga yang mengelola aset umat Islam secara umum. Kedua, pemprioritasan atas aspek ḍarūrīyah (primer) dalam sistem tata kelola lembaga pendidikan secara tidak langsung berperan besar dalam mendukung perkembangan lembaga itu sendiri. Lembaga pendidikan yang ideal harus mampu menjadi pusan pendidikan dan pengajaran, namun di lain hal ia harus mampu menjelma sebagai lembaga sosial-kemasyarakatan. Lembaga pendidikan ini tidak hanya mampu menghadirkan proses pendidikan-pengajaran, namun dapat juga memenuhi kebutuhan masyarakat yang paling mendasar, kesejahteraan.

Kata Kunci: al-Jihad, DASA, Aset Umat, Dana Sosial, Skala Prioritas.

Abstract: The study of the potential of community assets and their governance is a study that deserves to be given more portion. Al-Jihad as one of the institutions that manage people's assets appears to have an interesting governance model to be studied in depth. Therefore, the main focus of this study revolves around two things: How is the governance of people's assets at al-Jihad Foundation Surabaya; and how is the analysis of Islamic law related to this governance. This study is a field research, which uses a philosophical approach. Data is obtained from direct interviews with several figures directly related to the object of study. The collected data were critically analysed in depth, and compare-contrast analysis was conducted to obtain the validity of the data obtained. This research confirmed at least two major conclusions: First, the principle of priority scale (awlāwīyah) plays a major role in the governance of Muslim assets. A good educational institution, in fact, can also be transformed into a social institution that can raise the dignity and welfare of institutions that manage Muslim assets in general. Secondly, the prioritisation of ḍarūrīyah (primary) aspects in the governance system of educational institutions indirectly plays a major role in supporting the development of the institution itself. An ideal educational institution must be able to be a centre for education and teaching, but on the other hand, it must be able to be transformed into a societal institution. This educational institution is not only able to present the education-teaching process, but can also fulfil the most basic needs of society, welfare.

Keywords: al-Jihad, DASA, People's Assets, Social Fund, Priority Scale.

Non-Civil Servant Muzakkī Intentions in Paying Zakāh in BAZNAS of Sidoarjo and Trenggalek Regency, East Java

M. Maulana Asegaf, Muchammad Chafidz Muchlisin — Sat, 11 Nov 2023 00:00:00 +0000

This research aims to determine the intentions of Non-Aparatur Sipil Negara (ASN) Muzakkī or non-civil servant Muzakkī in paying zakāh at National Amil Zakāh Agency (BAZNAS) of Sidoarjo and Trenggalek Regency as well as to describe how BAZNAS of Sidoarjo and Trenggalek Regency in growing the intention of non-civil servant Muzakkī in paying zakāh. This type of research is descriptive qualitative research using primary data in the form of interviews with the person in charge of collecting funds at BAZNAS of Sidoarjo and Trenggalek Regency, three Muzakkī from BAZNAS of Sidoarjo Trenggalek Regency. Then, secondary data in the form of the Institution's vision and mission, financial reports, and magazines published by relevant institutions. The results of this research are the intentions of non-civil servant Muzakkī in paying Zakāh at BAZNAS of Sidoarjo and Trenggalek Regency, viewed from the Planned Behavior Control theory, shows that attitude toward behavior plays an essential role in the Muzakkī's intention to pay zakāh. Subjective norms and perceived behavior control are not determining factors in giving zakāh, but it is the main factor in paying zakāh through BAZNAS of Sidoarjo and Trenggalek Regency. Meanwhile, BAZNAS of Trenggalek Regency’s strategies to increase the intention of non-civil servant Muzakkī to pay zakāh is less than optimal in terms of strengthening cooperation with private institutions and collecting innovations in the non-civil servant (Non-ASN) community. However, BAZNAS of Trenggalek Regency is quite good in terms of cooperation with the private sector and innovation in raising funds by forming village UPZs, known as zakāh collection units in Karangturi and Ngulungkulon Village, Munjungan District. Regarding transparency, BAZNAS of Trenggalek Regency has published in detail on the website, while BAZNAS of Sidoarjo Regency is featured in the ZISKU monthly magazine.

Green House and Ḥalāl Budget Allocation for Sustainable Household Finance Realization

Nikmatul Masruroh, Ahmad Fadli, Attori Alfi Shahrin, Yazidul Fawaid — Tue, 31 Oct 2023 00:00:00 +0000

This research aims first to describe household budget allocation and the realization of sustainable financial management in the household, both formulations of the greenhouse model and ḥalāl allocation budget in realizing sustainable finance for households in Indonesia. The research method used is a library study approach with secondary data sources. Data was obtained from BPS, OJK and observations in villages where the community allocated a budget for greenhouses and environmental health. The collected data was analyzed using Ibn Khaldūn's thoughts on Trade and Social Change. The results of this research are as follows: first, budget allocation considers the sources of income they have; households tabulate their needs and make a percentage budget allocation. In this budget allocation, not everything is used for consumption but also for savings and righteous charity activities. The realization of sustainable financial management is carried out using the greenhouse model and ḥalāl budget allocation. Greenhouses are realized by the community participating in waste banks, Sustainable Food House Areas or Climate Resilient Integrated Service Post (Postaklim). Through this, community economic empowerment occurs. Second, the greenhouse model collaborates with the ḥalāl budget allocation model so that there is no waste in household expenditure because sustainable finances in the household do not only talk about current financial existence but also financial existence in the future.

Analysis of the Digital Marketing Mix on the Mikhayla_Shop Account Reviewed from the Perspective of Islamic Business Ethics

Saqofa Nabilah Aini, Luqita Romaisyah, Riska Agustin — Thu, 02 Nov 2023 00:00:00 +0000

This study aims to analyze the form of the digital marketing mix through social media on the Instagram account mikhayla_shop in terms of Islamic Business Ethics. The formulation of the problem in the study is how the digital marketing mix through social media studies on the Instagram account mikhayla_shop is viewed from an Islamic perspective?;. This study uses qualitative research methods with a descriptive approach. Primary data sources come from interviews, observations, and document studies with owners and employees of the Mikhayla shop. At the same time, the secondary data sources come from books, information sources, archives, and official personal documents. Structured interviews and indirect observation are the techniques of data collection. The results showed that Mikayla shop's digital marketing mix through social media is based on Islamic Business Ethics.

Strategic Management of Utilisation of Zakāh Funds in Improving Mustaḥiq's Welfare in The Productive Bojonegoro Programme at BAZNAS of Bojonegoro Regency

Fitri Amalia Rahayu, Taufiqur Rahman; Mohd Faizal Noor bin Ariffin — Fri, 17 Nov 2023 00:00:00 +0000

This study aims to determine how the strategic management of the utilization of zakāh funds in the Productive Bojonegoro Programme at BAZNAS Bojonegoro Regency is able to improve the welfare of Mustaḥiq. This study uses qualitative research methods with direct observation and uses secondary data of annual financial reports. The results of this study indicate that the strategic management of the utilization of zakāh funds in the Productive Bojonegoro Programme at BAZNAS of Bojonegoro Regency is quite helpful for Mustaḥiq in running a business that is undertaken to increase income. The strategic management of the utilization of zakāh funds in the Productive Bojonegoro Programme has also been able to alleviate the poverty of Mustaḥiq. This research also shows that there is a decrease in the distribution of zakāh funds from year to year based on the poor because of the increase in economic income and the reduction of poverty from the business capital assistance of the Productive Bojonegoro Programme, even allegedly about the existence of Mustaḥiq who are gradually able to become Muzakkī.

The Relevance of Mosque Financial Inclusion and Economic Sustainability

Wed, 08 Nov 2023 00:00:00 +0000

This study aims to answer questions regarding the relevance of mosque financial inclusion and a sustainable economy. This study uses a case study approach and a policy approach with a qualitative paradigm. This study examines the impact of mosque financial inclusion on the economic sustainability of the mosque community using primary data from research objects, namely the Jogokariyan Mosque in Yogyakarta and the Sabilillah Mosque in Malang City. The results of this study indicate that the relevance of mosque financial inclusion to a sustainable economy can be proven in the two mosques that are the object of this research. The Bayt al-Māl, ‘Āmil Zakāh Institution (LAZ), Mosque Cooperatives, and Foundations carry out access indicators without involving the formal financial sector or the government. The inclusion target community can easily access these institutions. It is consumptive-productive based on the signs of use of the Jogokariyan and Sabilillah Malang Mosques. qarḍ ḥasan and grants are the three financial methods for the three mosques. By providing cash lending without interest or collateral, the two mosques have implemented financial inclusion for target communities that do not have bank accounts. It is ideal to be productive and still meet quality metrics for public consumption. Using zakāh, infāq, and ṣadaqah instruments further illustrates the close connection between financial inclusion and a sustainable economy. The community's accessibility to services for basic necessities, education, health, and social mobilization demonstrates its significance.

An Intervening Maṣlaḥah on Influencing Reward and Punishment for Employee’s Performance

Setiawan bin Lahuri, Gafita Almas, Ainun Amalia Zuhroh — Thu, 02 Nov 2023 00:00:00 +0000

This study aims to examine the influence of reward and punishment factors on improving the quality of employees' performance and how the achievement of maṣlaḥah on reward and punishment factors for improving employee performance as an intervening variable at Waroeng Special Sambal. This study used a quantitative method with a sample of 76 respondents determined using a Technical Census, namely the Sample Census. Data was collected by distributing questionnaires and observations, then processed using the SmartPLS version 4 measuring tool, the PLS-SEM model. The study's results prove that punishment has a moderate effect on performance. The effect of reward on performance is significantly positive with a value of 0.406 and P values of 0.024, where if rewards are often appropriately applied, then employee benefits in work also increase found that the effect of punishment on performance is significantly positive with a value of 0.561 and P values 0.002 where if punishment is often appropriately applied, employee benefits in work also increase. So, the achievement of maṣlaḥah still significantly acts as a variable that mediates the indirect effect of reward and punishment for improving employees’ performance.