Jurnal Adz-Dzahab: Jurnal Ekonomi dan Bisnis Islam

THE IMPACT OF DECENT HOUSING ASSISTANCE ON THE WELFARE OF BENEFICIARIES IN LEMBAR VILLAGE, WEST LOMBOK REGENCY

Dinatry Juniar — 2025-11-19

This study aims to analyze the impact of the Livable Housing (RLH) assistance program on the welfare of those entitled to receive aid in Lembar Village, West Lombok Regency, from an Islamic economic perspective. The research focuses on the aid distribution process, changes in the social and economic conditions of those entitled to receive aid, and the influence of RLH assistance on the five aspects of the maqasid sharia (Islamic principles). This study used a descriptive qualitative approach, with data collection methods including in-depth interviews, observation, and documentation. Informants were selected using snowball sampling, and data were analyzed inductively. The results indicate that the RLH program implemented by the National Zakat Agency (BAZNAS) of West Lombok has had a significant impact on improving the welfare of those entitled to receive aid, such as improving housing conditions and creating a safer, healthier, and more comfortable home environment, thereby increasing social interaction and participation in community activities.

Penelitian ini bertujuan untuk menganalisis dampak program bantuan Rumah Layak Huni (RLH) terhadap kesejahteraan mustahik di Desa Lembar, Kabupaten Lombok Barat dalam perspektif ekonomi Islam. Fokus penelitian meliputi proses penyaluran bantuan, perubahan kondisi sosial dan ekonomi mustahik, serta pengaruh bantuan RLH terhadap lima aspek maqashid syariah. Penelitian ini menggunakan pendekatan kualitatif deskriptif dengan metode pengumpulan data melalui wawancara mendalam, observasi, dan dokumentasi. Informan dipilih dengan teknik snowball sampling, dan data dianalisis secara induktif. Hasil penelitian menunjukkan bahwa program RLH oleh Badan Amil Zakat Nasional (BAZNAS) Lombok Barat memberikan dampak signifikan terhadap peningkatan kesejahteraan mustahik, seperti perbaikan kondisi rumah hunian, lingkungan rumah yang lebih aman, sehat, dan nyaman sehingga meningkatkan interaksi sosial dan partisipasi dalam kegiatan masyarakat.

MILLENNIALS' INTEREST IN SHARIA HOME FINANCING PRODUCTS IN SURAKARTA

Reno Albanire — 2025-11-30

This study aims to analyze the factors influencing millennial interest in sharia-compliant home ownership financing (KPR) products in Surakarta, focusing on the variables of religiosity, attitude, knowledge, and subjective norms. Data were collected from 106 millennial respondents using a Likert-scale questionnaire and analyzed using multiple linear regression after the instrument was declared valid and reliable and met classical assumptions. The results showed that the regression model was suitable for use, with an ability to explain 69.3 percent of the variance in interest. Partially, religiosity and attitude had a significant positive effect on interest in sharia-compliant home ownership financing (KPR), while knowledge and subjective norms showed no significant influence. These findings confirm that religious considerations and the formation of an economic-pragmatic attitude are the main determinants in increasing millennial interest in sharia-compliant home ownership financing (KPR) in urban areas.

Penelitian ini bertujuan menganalisis faktor-faktor yang memengaruhi minat generasi milenial di Surakarta terhadap produk pembiayaan kepemilikan rumah (KPR) syariah dengan fokus pada variabel religiusitas, sikap, pengetahuan, dan norma subjektif. Data dikumpulkan dari 106 responden milenial melalui kuesioner berskala Likert dan dianalisis menggunakan regresi linier berganda setelah instrumen dinyatakan valid dan reliabel serta memenuhi asumsi klasik. Hasil penelitian menunjukkan bahwa model regresi layak digunakan dengan kemampuan menjelaskan varians minat sebesar 69,3 persen. Secara parsial, religiusitas dan sikap berpengaruh positif signifikan terhadap minat KPR syariah, sedangkan pengetahuan dan norma subjektif tidak menunjukkan pengaruh signifikan. Temuan ini menegaskan bahwa pertimbangan religius dan pembentukan sikap ekonomis-pragmatis menjadi penentu utama dalam meningkatkan minat milenial terhadap KPR syariah di kawasan perkotaan.

CRITICAL ANALYSIS OF THE BASIC PRINCIPLES OF SHARIA ECONOMICS

Ramlah — 2025-11-30

This article examines the basic principles of Islamic economics and their relevance in the context of the rapid development of Islamic economics. In recent decades, Islamic economics has shown significant growth, both academically and in practice. However, questions arise as to the extent to which basic principles such as justice, transparency, and social responsibility are understood and applied in the economic practices of Muslims. This study aims to re-explore the basic values of Islamic economics philosophically and conceptually, as well as to provide an in-depth understanding of the arguments that form the basis of these principles. The method used in this study is a qualitative approach with a literature review technique, which includes analysis of various written sources such as scientific journals and academic articles. The results of the study show that the application of the basic principles of Islamic economics is very important for creating a fair, transparent, and sustainable economic system. In addition, this article emphasizes that the integration of spiritual and moral values in economic practices is the key to achieving blessings and benefits for society. Thus, this study is expected to make a significant contribution to academics, practitioners, and regulators in strengthening the foundations of Islamic economics.

Artikel ini mengkaji prinsip-prinsip dasar ekonomi Islam dan relevansinya dalam konteks perkembangan ekonomi syariah yang pesat. Dalam beberapa dekade terakhir, ekonomi syariah menunjukkan pertumbuhan signifikan, baik dalam aspek akademik maupun praktik. Namun, muncul pertanyaan mengenai sejauh mana prinsip-prinsip dasar seperti keadilan, transparansi, dan tanggung jawab sosial dipahami dan diterapkan dalam praktik ekonomi umat Islam. Penelitian ini bertujuan untuk menggali kembali nilai-nilai dasar ekonomi syariah secara filosofis dan konseptual, serta memberikan pemahaman mendalam mengenai dalil-dalil yang menjadi landasan prinsip-prinsip tersebut. Metode yang digunakan dalam penelitian ini adalah pendekatan kualitatif dengan teknik kajian pustaka, yang mencakup analisis terhadap berbagai sumber tertulis seperti jurnal ilmiah dan artikel akademik. Hasil penelitian menunjukkan bahwa penerapan prinsip-prinsip dasar ekonomi Islam sangat penting untuk menciptakan sistem ekonomi yang adil, transparan, dan berkelanjutan. Selain itu, artikel ini menegaskan bahwa integrasi nilai-nilai spiritual dan moral dalam praktik ekonomi adalah kunci untuk mencapai keberkahan dan kemaslahatan bagi masyarakat. Dengan demikian, kajian ini diharapkan dapat memberikan kontribusi signifikan bagi akademisi, praktisi, dan regulator dalam memperkuat fondasi ekonomi syariah.

AN ANALYSIS OF THE SOCIAL SECURITY AGENCY ON HEALTH SYSTEM AGAINST PARTICIPANTS WITH ARREARS: THE CONCEPT OF ISLAMIC ECONOMIC SERVICES

Muh. Sajjaj Sudirman Sajjaj — 2025-12-31

This study aims to evaluate the Social Security Agencies on Health (BPJS Kesehatan) system services in Ternate City from an Islamic economic perspective, specifically concerning participants with arrears. The methodology used in this research is descriptive qualitative. This research includes primary and secondary data collected through observation, interviews, and documentation. This study had 2 participants from BPJS Kesehatan Ternate, 2 lecturers in Islamic economics, 5 employees from BPJS Kesehatan Ternate, and 1 employee from The Council of Indonesian Ulama (MUI) of North Maluku province. The findings of this study reveal that the BPJS Kesehatan service system in Ternate offers a Phased Payment Plan (REHAB) and contribution assistance recipients (PBI) for participants with arrears ranging from 4 to 24 months, which will be settled gradually through an installment mechanism. According to various ulama and scholars in Ternate City, the REHAB and PBI programs of the Social Security Agency on Health (BPJS Kesehatan) for participants with arrears are viewed through the lens of sharia economics as embodying five Islamic service concepts: mutual assistance, assistance, equality, compassion, and familiarity, which collectively represent Syirkah Ta'awwun, signifying a cooperative spirit of helping others. Nevertheless, in its actual implementation, BPJS Kesehatan has not fully adhered to the principles of Shari'ah. The research indicates that there are at least two factors that contradict religious values. The first element is ambiguity (gharar), and the second element is gambling or betting.

TRACEABILITY OF HALAL CHICKEN MEAT ACCORDING TO THE UUJPH: A CASE STUDY OF GAMPING MARKET

Maesyaroh — 2025-11-30

Halal certification is a reliable and authentic proof of a product's halal status, including chicken meat. Meanwhile, many chicken meat vendors, particularly at the retail level, still lack halal certificates. So, how is its halal status guaranteed? The purpose of this research is to investigate the halal supply chain of chicken meat at the retail level, as mandated by the Halal Assurance Law. The research method employed is qualitative, utilizing a case study analysis. Data collection technique through in-depth interviews with chicken sellers in the market and chicken suppliers. The research results show that, according to the Law on Animal Health and Welfare, there are two types of chicken meat sold in the Gamping market that are halal. First, if the chicken meat is supplied from a halal-certified RPA, it is considered halal, accompanied by a written assurance in the form of a halal certificate. Meanwhile, for the second pattern, chicken vendors in the market slaughter the chickens themselves and are not yet halal-certified. According to the JPH Law, this does not fully meet the halal criteria. However, according to Islamic jurisprudence, the guarantee is the buyer's trust that the slaughterer is muslim.

Sertifikasi halal merupakan bukti yang andal dan autentik mengenai status halal suatu produk, termasuk daging ayam. Namun, banyak penjual daging ayam, terutama di tingkat ritel, masih belum memiliki sertifikat halal. Lalu, bagaimana status halal produk tersebut dijamin? Tujuan penelitian ini adalah untuk menyelidiki rantai pasok halal daging ayam di tingkat ritel, sesuai dengan ketentuan Undang-Undang Jaminan Halal. Metode penelitian yang digunakan adalah kualitatif, dengan analisis studi kasus. Teknik pengumpulan data dilakukan melalui wawancara mendalam dengan penjual ayam di pasar dan pemasok ayam. Hasil penelitian menunjukkan bahwa, berdasarkan Undang-Undang Kesehatan dan Kesejahteraan Hewan, terdapat dua jenis daging ayam yang dijual di Pasar Gamping yang dianggap halal. Pertama, jika daging ayam disuplai dari RPA yang bersertifikat halal, maka dianggap halal, disertai dengan jaminan tertulis berupa sertifikat halal. Sementara itu, untuk pola kedua, penjual ayam di pasar menyembelih ayam sendiri dan belum bersertifikat halal. Menurut Undang-Undang JPH, hal ini tidak sepenuhnya memenuhi kriteria halal. Namun, menurut hukum Islam, jaminan tersebut adalah kepercayaan pembeli bahwa penyembelihnya adalah muslim.

Implementation of Islamic Business Ethics Principles in Sharia Cooperative Management: A Case Study of the Bina Syariah Ummah Sidayu Cooperative in Gresik

Novie Andriani Zakariya — 2025-12-31

This study aims to analyze the implementation of Islamic business ethics principles in financial management, member services, decision making, and social responsibility at the Bina Syariah Ummah Sidayu Gresik Cooperative. The Islamic business ethics principles examined include honesty (shiddiq), trustworthiness (amanah), justice ('adl), social responsibility, and the prohibition of usury (riba), uncertainty (gharar), and gambling (maysir). This study uses a qualitative approach with a case study method. Data collection was conducted through semi-structured interviews with the chairperson, treasurer, and cooperative managers, direct observation of operational activities, and review of internal cooperative documentation. The results of the study indicate that the Bina Syariah Ummah Cooperative has implemented Islamic business ethics principles quite consistently in financial management, member services, decision making, and the implementation of social responsibility. The implementation of Islamic business ethics contributes to the creation of management transparency, increased member trust, and supports the sustainability of the cooperative's business. This study provides empirical contributions in the form of an overview of the practice of applying Islamic business ethics in community-based Islamic cooperatives, as well as a reference for the development of ethical and sustainable Islamic cooperative governance.

Penelitian ini bertujuan untuk menganalisis implementasi prinsip etika bisnis Islam dalam pengelolaan keuangan, pelayanan anggota, pengambilan keputusan, dan tanggung jawab sosial pada Koperasi Bina Syariah Ummah Sidayu Gresik. Prinsip etika bisnis Islam yang dikaji meliputi kejujuran (shiddiq), amanah, keadilan (‘adl), tanggung jawab sosial, serta larangan terhadap praktik riba, gharar, dan maysir. Penelitian ini menggunakan pendekatan kualitatif dengan metode studi kasus. Pengumpulan data dilakukan melalui wawancara semi-terstruktur dengan ketua, bendahara, dan pengelola koperasi, observasi langsung terhadap aktivitas operasional, serta telaah dokumentasi internal koperasi. Hasil penelitian menunjukkan bahwa Koperasi Bina Syariah Ummah telah mengimplementasikan prinsip etika bisnis Islam secara cukup konsisten dalam pengelolaan keuangan, pelayanan anggota, pengambilan keputusan, dan pelaksanaan tanggung jawab sosial. Implementasi etika bisnis Islam tersebut berkontribusi pada terciptanya transparansi pengelolaan, peningkatan kepercayaan anggota, serta mendukung keberlanjutan usaha koperasi. Penelitian ini memberikan kontribusi empiris berupa gambaran praktik penerapan etika bisnis Islam pada koperasi syariah berbasis komunitas lokal, sekaligus menjadi rujukan bagi pengembangan tata kelola koperasi syariah yang beretika dan berkelanjutan.