POTENSI PENGELOLAAN ZAKAT, INFAQ DAN SHADAQAH DALAM MEMBANGUN PEMBERDAYAAN EKONOMI UMMAT DAN KESEJAHTERAAN MUSTAHIQ (studi kasus LAZISMU Kota Probolinggo)

2021 ◽  
Vol 5 (1) ◽  
Author(s):  
Muhammad Alfi Syahrin ◽  
Isma Swadjaja
Keyword(s):  
Data Collection ◽  
Qualitative Methods ◽  
Field Research ◽  
Economic Empowerment

LAZISMU Probolinggo City is one of the institutions that manages and distributes zakat, infaq and shadaqah, see the importance of zakat, infaq and shadaqah and their management because they have great potential in building the  ummat economic empowerment and the mustahiq welfare.  The purpose of this research is to knowing the management of zakat, infaq and shadaqah in LAZISMU Probolinggo City and the potential management of  zakat, infaq and shadaqah in building the ummat economy and mustahiq welfare in LAZISMU Probolinggo City.  This research is a field research with qualitative methods.  The methods used in data collection are observation, interview, and document study.  The data that has been collected are then compiled and analyzed using descriptive methods.  The results showed that the potential managrment of zakat, infaq and shadaqah is quite good in implementing economic the ummat empowerment  and the mustahiq welfare, as evidenced by the several programs that have been implemented, some mustahiq can begin to gradually leave the deprived lives to become more independent and far away there is hope to become muzakki from the results of the business he is running.Keywords : management of zakat, infaq and shadaqah, ummah economic empowerment, mustahiq welfare

Eksistensi Fatwa No.21/DSN-MUI/X/2001 Pada Asuransi Jiwa Syariah di PT. Prudential Life Assurance Cabang Ponorogo

2021 ◽  
Vol 1 (1) ◽  
pp. 61-73
Author(s):  
Linda Pertiwi ◽  
Atik Abidah
Keyword(s):  
Data Collection ◽  
Qualitative Methods ◽  
Life Insurance ◽  
Field Research ◽  
Insurance Company ◽  
Life Insurance Company ◽  
Life Assurance ◽  
Deductive Method ◽  
Investment System ◽  
Islamic Insurance

This article aims to review the implementation of Fatwa No. 21 / DSN-MUI / X / 2001 concerning General Guidelines for Sharia Insurance in Insurance Institutions. Sharia life insurance is a type of life insurance whose application is based on the provisions of Islam. PT. Prudential Life Assurance is a sharia life insurance company. In carrying out its activities to develop customer funds, PT. Prudential Life Assurance invests. In practice, the investment and insurance percentage determination is carried out unilaterally by the agent. Determining the percentage of this investment will affect customers' cash value claims that do not match the illustration. More specifically, in this connection, the author will analyze two aspects. First, the analysis of Fatwa No.21 / DSN-MUI / X / 2001 regarding the General Guidelines for Islamic Insurance on the implementation of the investment system at PT. Prudential Life Assurance Ponorogo Branch? Second, the analysis of Fatwa No.21 / DSN-MUI / X / 2001 regarding the General Guidelines for Islamic Insurance on the payment of cash value claims for customers at PT. Prudential Life Assurance Ponorogo Branch? The author's type of research is field research using qualitative methods, while the data collection techniques used are interviews and documentation. The analysis used uses the deductive method, namely a discussion that begins with presenting arguments, theories or provisions that are general and then put forward a specific fact. From this research, it can be concluded that the implementation of the investment system at PT. Prudential Life Assurance at the Ponorogo branch is only limited to administration. Where the agent determines the percentage of insurance and investment unilaterally to get a hefty fee, this is not following the DSN fatwa No.21 / DSN-MUI / X / 2001, which reads "investment must be made under sharia." Meanwhile, regarding the payment of cash value claims from customers that do not match the illustration, it follows the DSN fatwa No.21 / DSN-MUI / X / 2001, which reads "different claims in the amount according to the premium paid."Artikel ini bertujuan untuk mengkaji implementasi Fatwa No. 21/DSN-MUI/X/2001 tentang Pedoman Umum Asuransi Syariah Pada Lembaga Perasuransian. Asuransi jiwa syariah adalah jenis asuransi jiwa yang penerapannya berdasarkan ketentuan Islam. PT. Prudential Life Assurance adalah perusahaan asuransi jiwa syariah. Dalam menjalankan kegiatannya untuk mengembangkan dana nasabah, PT. Prudential Life Assurance berinvestasi. Dalam praktiknya, penentuan persentase investasi dan asuransi dilakukan secara sepihak oleh agen. Penetapan persentase investasi ini akan mempengaruhi klaim nilai tunai nasabah yang tidak sesuai dengan ilustrasi. Lebih khusus lagi, dalam hubungan ini, penulis akan menganalisis dua aspek. Pertama, analisis Fatwa No.21/DSN-MUI/X/2001 tentang Pedoman Umum Asuransi Syariah Tentang Penerapan Sistem Investasi Pada PT. Prudential Life Assurance Cabang Ponorogo? Kedua, Analisis Fatwa No.21/DSN-MUI/X/2001 tentang Pedoman Umum Asuransi Syariah Tentang Pembayaran Klaim Nilai Tunai Bagi Nasabah Pada PT. Prudential Life Assurance Cabang Ponorogo? Jenis penelitian penulis adalah penelitian lapangan dengan menggunakan metode kualitatif, sedangkan teknik pengumpulan data yang digunakan adalah wawancara dan dokumentasi. Analisis yang digunakan menggunakan metode deduktif, yaitu pembahasan yang diawali dengan mengemukakan argumentasi, teori atau ketentuan yang bersifat umum kemudian dikemukakan suatu fakta yang spesifik. Dari penelitian ini dapat disimpulkan bahwa penerapan sistem investasi pada PT. Prudential Life Assurance di cabang Ponorogo hanya sebatas administrasi. Dimana agen menentukan persentase asuransi dan investasi secara sepihak untuk mendapatkan fee yang besar, hal ini tidak sesuai dengan fatwa DSN No.21/DSN-MUI/X/2001 yang berbunyi “investasi harus dilakukan secara syariah”. Sedangkan mengenai pembayaran klaim nilai tunai dari nasabah yang tidak sesuai dengan ilustrasi, mengikuti fatwa DSN No.21/DSN-MUI/X/2001 yang berbunyi “beda klaim besarnya sesuai dengan premi yang dibayarkan”.

scholarly journals Peran Majelis dalam Pemberdayaan Ekonomi di Gereja Toraja Jemaat Imanuel Botang

2021 ◽  
Vol 2 (2) ◽  
pp. 120-132
Author(s):  
Markus Sakke Pauranan ◽  
Jermia Limbongan
Keyword(s):  
Qualitative Research ◽  
Data Collection ◽  
Human Resources ◽  
Natural Resources ◽  
Field Research ◽  
Economic Empowerment ◽  
Pig Farming ◽  
Library Research ◽  
The Church

Abstract: Imanuel Botang congregation had resources both human resources and natural resources that were quite abundant, but had not been managed optimally. Seeing these conditions, researchers were interested in researching the role of church assemblies in the economic empowerment of congregations by focusing research on economic empowerment activities in the field of horticultural agriculture and chicken and pig farming. This research was designed according to qualitative research. Qualitative research aims to find out the role of church assemblies in the economic empowerment of congregations. Data collection techniques were carried out through library research and field research through observation and interview. The study was conducted at the Congregation of Emmanuel Botang from September to November 2020. The results showed the role of the Church Assembly in empowerment is as a consultant and empowerment but this is still not realized because it does not fully understand the duties and vocations as a church assembly, the lack of skills / skills of the church assembly in the field of horticultural agriculture and local village pig and chicken farming, lack of free time and lack of good cooperation.   Keywords:  Economic Empowerment,  Role of the Church Assembly, Toraja Church of Imanuel Botang Congregation  Abstrak: Jemaat Imanuel Botang memiliki sumber daya baik Sumber Daya Manusia maupun sumber daya alamnya yang cukup melimpah, namun belum dikelola secara maksimal. Melihat kondisi tersebut peneliti tertarik melakukan penelitian peran majelis gereja dalam pemberdayaan ekonomi jemaat dengan memfokuskan penelitian pada kegiatan pemberdayaan ekonomi di bidang pertanian hortikultura dan peternakan ayam dan babi. Penelitian ini didesain menurut penelitian kualitatif. Penelitian kualitatif bertujuan untuk mengetahui peran majelis gereja dalam pemberdayaan ekonomi jemaat. Teknik pengumpulan data dilakukan melalui penelitian pustaka dan penelitian lapangan melalui pengamatan (observasi) dan wawancara (interview). Penelitian dilaksanakan di Jemaat Imanuel Botang dari bulan September sampai bulan November 2020. Hasil penelitian menunjukkan peranan Majelis Gereja dalam pemberdayaan adalah sebagai konsultan dan pemberdaya namun hal ini masih belum terealisasi oleh karena belum memahami secara utuh tugas dan panggilan sebagai majelis gereja, minimnya skill/ keterampilan majelis gereja pada bidang pertanian hortikultura dan peternakan babi dan ayam kampung lokal, kurangnya waktu luang dan kurangnya kerja sama yang baik. Kata-kata Kunci: Gereja Toraja Jemaat Imanuel Botang, Pemberdayaan Ekonomi, Peran Majelis Gereja,

scholarly journals Economic Empowerment Model for the Poor Through Zakat Institution Under Maqashid Syariah Concept in West Kalimantan

2018 ◽  
Vol 3 (1) ◽  
pp. 54
Author(s):  
Sukma Indra
Keyword(s):  
Focus Group ◽  
Data Collection ◽  
Focus Group Discussion ◽  
Group Discussion ◽  
Field Research ◽  
Economic Empowerment ◽  
West Kalimantan ◽  
The Poor ◽  
Empowerment Model

This research aimed at finding out the distribution of zakat and obstacles faced by BAZNAS West Kalimantan Province in economic empowerment for the poor. The research employed field research. After data collection done, the analysis carried out by doing Focus Group Discussion (FGD) to formulate maqāsid al-syari’ah based model of economic empowerment for the poor through BAZNAS West Kalimantan Province. The formulated model is able to be used as alternative for BAZNAS West Kalimantan Province in conducting maqāsid al-syari’ah based model of economic empowerment for the poor, especially in West Kalimantan.

scholarly journals Tinjauan Maṣlaḥah Ḥifẓ Al-Māl Terhadap Pelaksanaan Akad Kerjasama Bagi Hasil Di Desa Sumberdodol Kecamatan Panekan Kabupaten Magetan

2021 ◽  
Vol 1 (1) ◽  
pp. 14-23
Author(s):  
Aima Mar’atus Solihah
Keyword(s):  
Data Collection ◽  
Qualitative Methods ◽  
Human Life ◽  
Field Research ◽  
Profit Sharing ◽  
For Profit ◽  
Production Sharing ◽  
The Village

This research purposes: 1) To find out the maslahah and mafsadah elements of the implementation of the production sharing agreement in Sumberdodol Village Panekan District Magetan Regency. 2) To find out the level of maslahah hifz al-mal on the production sharing agreement in Sumberdodol Village Panekan District Magetan Regency. The type of research conducted by the author is field research using qualitative methods, while the data collection techniques used are interviews and observations. From this research, it can be concluded that 1) The maslahah element in the implementation of the production sharing agreement in Sumberdodol village is that the owner of the garden has prospered the farm cultivator by providing a good job. Farmers can work to supplement their family’s needs. While the element of mafsadah is the distribution of results that is not in accordance with the agreement and the cultivator does not yet know the deadline for the end of the collaboration. 2) The level of maslahah hifz al-mal in cooperation for profit-sharing in the village of Sumberdodol is included in the Hajiyah level, its existence is needed to provide convenience and eliminate difficulties in human life. Because cultivators and gardeners both provide convenience and benefits.

scholarly journals Implementasi Sistem Informasi Manajemen dalam Mendukung Pelayanan Administrasi di SMA Negeri 1 Barru

2019 ◽  
Vol 4 (1) ◽  
pp. 19-34
Author(s):  
Musdalifah Musdalifah ◽  
Nasir Mahmud ◽  
Kasmawati Kasmawati
Keyword(s):  
Information Systems ◽  
Data Collection ◽  
Qualitative Methods ◽  
Information Management ◽  
Management Information Systems ◽  
Field Research ◽  
Management Information ◽  
Administrative Services ◽  
Qualitative Approaches ◽  
System Information

This study aimed to determine the implementation of system information management and administrative services at SMA Negeri 1 Barru. This research is a field research using qualitative methods and qualitative approaches. Data collection techniques used were interviews and observation. The results showed that the application of management information systems in supporting administrative services at SMA Negeri 1 Barru had been well implemented by utilizing all facilities and infrastructure facilities as a foothold in optimizing the application of system information management.

scholarly journals Bisnis ikan asin dan dampaknya terhadap kesejahteraan masyarakat Sungai Pauh Langsa Barat

2022 ◽  
Vol 6 (2) ◽  
pp. 160-172
Author(s):  
Asyura ◽  
Mastura ◽  
Junaidi
Keyword(s):  
Data Collection ◽  
Qualitative Methods ◽  
Field Research ◽  
Secondary Data ◽  
Fish Processing ◽  
Data Collection Methods ◽  
Salted Fish ◽  
Collection Methods ◽  
Descriptive Qualitative

The salted fish business is one of the businesses located in Gampong Sungai Pauh, West Langsa District, Langsa City. This study aims to determine the income and welfare of salted fish processing workers in Gampong Sungai Pauh, West Langsa District. This research is a field research with descriptive qualitative methods. The sample consisted of 15 people. Sources of data used are primary and secondary data obtained by data collection methods through observation, interviews, and documentation.With the salted fish processing, salted fish processing workers' income has increased slightly, so that the life of salted fish processing workers is helped economically, such as being able to eat three times a day, buying clothes even once a year. Salted fish processing workers can be categorized as not prosperous, but economically, salted fish processing workers are greatly helped, if before working in salted fish processing, salted fish processing workers can only eat once a day but after working in salted fish processing, salted fish processing workers can eat. three times a day, buy at least one set of clothes, repair the damaged walls of the house.

scholarly journals Efektivitas Tata Kelola Wakaf Nazir Organisasi

2021 ◽  
Vol 1 (1) ◽  
pp. 16-33
Author(s):  
Ni'matul Fauziyyah ◽  
Khairil Umami
Keyword(s):  
Data Collection ◽  
Qualitative Methods ◽  
Field Research

This study aims to determine the effectiveness of the duties and authorities of the nazir organization in MWC NU Siman Ponorogo District in the management, maintenance and utilization of mosque and prayer room waqf in Siman Ponorogo District in terms of the Perspective of Law no. 41 of 2004 concerning Waqf. The type of research conducted by the author is a field research using qualitative methods. Data collection techniques were carried out using interviews and documentation. From this research, it is found that: 1) Nazir's organization in MWC NU, Siman District, Ponorogo Regency has been effective in carrying out his duties as stated in Law no. 41 of 2004 concerning waqf, but in terms of supervision there are still shortcomings. 2) The authority of Nazir organization in MWC NU Siman District in the management, maintenance and utilization of mosque and prayer room waqf in Mangunsuman Village according to Law no. 41 of 2004 concerning Waqf has so far been appropriate, namely in carrying out its duties and authorities in collaboration with the NU Branch, the takmir of the mosque waqf and the takmir of the musala waqf of Mangunsuman Village.

scholarly journals Pemenuhan Kewajiban Suami Penyandang Disabilitas Intelektual (Tunagrahita) dalam Membentuk Keluarga Sakinah

2021 ◽  
Vol 1 (1) ◽  
pp. 73-91
Author(s):  
Picy Lestari ◽  
Rif'ah Roihanah
Keyword(s):  
Intellectual Disability ◽  
Data Collection ◽  
Qualitative Methods ◽  
Intellectual Disabilities ◽  
Islamic Law ◽  
People With Disabilities ◽  
Field Research ◽  
External Factors ◽  
Intellectual Abilities ◽  
The Family

In this world not all humans have normal conditions in terms of quality and quantity of their limbs. Such is the case with families with intellectual disabilities (tunagrahita) in Jambon, Ponorogo. In such conditions, people with disabilities need improvisation and variety in managing and managing their household because if seen from their intellectual abilities they are not able to become leaders in the family. The purpose of this study was to determine the role and review of Islamic law in fulfilling the obligations of husbands with intellectual disabilities (tunagrahita) to form a Sakinah family. The type of research carried out is field research using qualitative methods, while data collection techniques used are interviews and observations. The conclusion of this study is that the husband's role in earning the main living is included in the mu'sir group, the parties who are obliged to help are relatives, the state or wealthy Muslims. And for his role as a leader in the family, this husband with intellectual disability (tunagrahita) cannot be burdened with taklif law, especially Ahliyyah Al'ada'. So external factors (family, relatives, and others) are more dominant in them in forming a sakinah family.

AKAD FINANCING OF MURABAHAH BETWEEN CUSTOMERS WITH MUAMALAT BANKS HARKAT VIEWED FROM SHARI'AH PRINCIPLES

2020 ◽  
Vol 10 (1) ◽  
pp. 13-26
Author(s):  
Candra Irawan ◽  
Adi Bastian ◽  
Febrozi Rohadi
Keyword(s):  
Data Collection ◽  
Financial Institutions ◽  
Research Method ◽  
Economic Condition ◽  
Field Research ◽  
Comprehensive Analysis ◽  
Islamic Banks ◽  
Legal Research ◽  
Trading System ◽  
Library Research

Currently in Indonesia Islamic Bank has gained a place and interested in the community, causing many emerging Syari'ah Bank and Financial Institutions of the syari'ah, and products in Islamic banks are widely used is murabahah financing. The formulation of the problem in this research are: (1). How is the implementation of the sale and purchase through murabahah financing between Bank Muamalat Harkat with customers. (2). Is trading system murabahah financing between Bank Muamalat Harkat and customers have been according to the principles of Syari’ah. (3). How murabahah financing efforts to resolve the breach between the customer and Muamalat Harkat. This research method is empirical legal research, this study was conducted in Bank Muamalat Harkat based data collection through field research such as interviews, observation and description as well as information from respondents through library research. The results of this research are: before an agreement Bank to assess carefully the prospective customer in the form of a comprehensive analysis and is divided into several stages, such as the assessment using the principle of 5C Character (Character of the debitor), Chapacity (Capability Candidate Debitor) , Capital (Capital candidate Debitor), Collateral (Collateral candidate Debitor) and Condition of economy (economic condition of the prospective Borrower). Trading system murabahah financing between Bank Muamalat Harkat with the customer has not fully based on the principles of the Syari'ah. Murabahah financing efforts to resolve the defaults can be solved by R3 is Restrukturing (Arrangement Back), Reconditioning (Terms Back) and Rescheduling (rescheduling), sales collateral and auction execution. 

Analisis Efektivitas Distribusi Zakat Produktif Dalam Meningkatkan Kesejahteraan Mustahik (Studi Kantor Cabang Rumah Zakat Sumatera Utara)

2019 ◽  
Vol 4 (1) ◽  
pp. 137
Author(s):  
Mulkan Syah Riza
Keyword(s):  
Data Analysis ◽  
Data Collection ◽  
Qualitative Analysis ◽  
Field Research ◽  
Qualitative Approach ◽  
North Sumatra ◽  
Descriptive Method ◽  
Descriptive Qualitative

This study aims to explain how the distribution of productive zakat in the Rumah Zakat North Sumatra and how the effectiveness of productive zakat distribution in improving the welfare of mustahik in the Rumah Zakat North Sumatra. This study uses a qualitative approach with a type of descriptive method, which is a problem that guides researchers to explore and photograph situations that will be thoroughly investigated, broadly and deeply. Data collection techniques with field research, while the tools used are observation, interviews and documentation. Data analysis used is descriptive qualitative analysis. The results of this study inform that in distributing productive zakat funds, Rumah Zakat is in accordance with Law No. 23 of 2011 concerning Management of Zakat. The distribution of productive zakat carried out by the Rumah Zakat North Sumatra through the Senyum Mandiri Program to mustahik in Medan Helvetia Subdistrict has been effective, because it can improve the welfare of mustahik, this is evidenced by the income of eight of thirteen mustahik people in total, five people whose income is fixed and four out of eight people whose income has increased has reached the level of muzaki.

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