Islamic philanthropy or zakat has a mission to poverty alleviation and improve welfare for zakat recipients (Fitri, 2017), especially for the poor and affected by natural disasters. This study aims to determine the distribution model and use of productive zakat and to determine the effectiveness of productive zakat in improving welfare after natural disasters in Indonesia. This study uses qualitative methods with the theoretical development of field research. Data collection was carried out through interviews and in-depth observations from national zakat management organizations in Indonesia, including The National Board of Zakat of Republic Indonesia (BAZNAS), The Department of Amil Zakat, Infaq and Alms of Nahdlatul Ulama (NU-Care LAZISNU) The Department of Amil Zakat, Infaq and Alms Muhammadiyah (LAZISMU), as well as communities receiving productive zakat programs. The results of this study indicate that the model of productive zakat distribution by zakat institutions in Indonesia uses two approaches, namely through direct business capital assistance and through proposals addressed to victims of natural disasters. They use zakat for starting businesses or developing businesses that are already owned by the recipient of productive zakat funds. In sum, productive zakat helps the economy of people who receive productive zakat recipients but it is still not effective for their welfare. Therefore, to increase the maximum role of zakat institutions in distributing productive zakat, synergies are needed between zakat institutions, partners (universities, volunteers, business consultants, etc.), and Islamic insurance.
<p>This study aims to determine: 1) the principles of financing agreement murabaha and Ijarah in accordance with Islamic law, 2) the implementation of the financing agreement murabaha and Ijarah, and 3) the factors that caused the broken promise in murabaha and ijarah financing agreement in BMT Fastabiq Jepara well as a way to resolve. This research is a field research with a qualitative approach, the research has the characteristics that the data declared in a state appropriately or as their (natural setting), with no change in the shape of symbols or numbers and descriptive based on questions how. And data processing technique is to use a qualitative descriptive technique. The results of the analysis show that: 1) The principles of murabaha financing agreement on BMT Fastabiq Jepara accordance with Islamic sharia as the murabaha financing agreement executed included also wakalah. The principle of Ijarah financing agreement yet on BMT Fastabiq Jepara accordance with Islamic sharia because it is not included wakalah in it. 2) Execution of Murabahah and Ijarah financing agreement in Jepara Fastabiq BMT carried out according to established procedures BMT Fastabiq Jepara. And 3) the factors that led to broken promises in murabaha and Ijarah financing agreement in BMT Fastabiq Jepara is internal and external factors. The steps undertaken BMT Fastabiq Jepara in overcoming these factors include identifying the problem, if there is a problem that complicated it will be a step family, but if they can not be resolved then it will be taken legal action.</p>
This study aims to determine the potential of zakah and issued UMKMcarving furniture and its effect on the welfare of the surrounding community through BAZNAS Jepara district, as well as deepen the knowledge and results of poverty modeling in Jepara district. Methods This research is a qualitative study of triangulation and method.. The result of this research is zakat potential in Jepara very big, especially from carving furniture sector where 91,27% carving furniture entrepreneur know and have understanding about zakahand counting zakah. The distribution of zakah UMKM carving furniture by 19.78% is channeled through Baznas Jepara this is because of the low role of UPZ at sub-district and village level. minimum potential of zakat top of UMKM furniture ukiritung Rp. 1.644.500.000, - and distributed to productive zakat with nominal Rp 25 Million/ recipient of working capital will be received as many as 65 recipients of zakah every year but this potential is not yet programmed by BAZNAS Jepara. In this researchthe awareness and knowledge of the society about zakah is very high, it needs to be socialized about zakah on the company, the preparation of existing financial instruments of zakah, and zakah can be as tax deductions.
The uniqueness of micro, small and medium enterprises (MSMEs) in the agriculture and fisheries sector has led to thoughts of innovation in the microfinance institutions (MFIs) that serve it. Service innovations in the agriculture and fisheries sector have been carried out in various countries to facilitate the development of this sector. This study aims to analyze the financing model of Islamic microfinance institutions (Islamic MFIs) based on the characteristics of the agriculture and fisheries sectors and the reconstruction of Salam contracts of Islamic financial institutions for farmers and fishermen. The research method used is qualitative descriptive analysis. The data were obtained through in-depth interviews with the agriculture and fisheries businesses in Central Java, Indonesia. The result showed that Salam contract constructed according to the characteristics of the fishing community to alleviate it from the shackles of moneylenders and wholesalers, including Islamic MFIs, farmers, and fishers as members of Islamic MFIs, buyers, Islamic banks and Islamic insurance. The output of this research is that farmers and fishermen can form a community to help one another with financial needs and are managed by Islamic MFIs that work in synergy with fisheries and agriculture companies, as well as an integrated Salam contract application system for Islamic MFIs.
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