Transformation Of Islamic Philanthropy: Reconstructing Zakat, Rahn, And Waqf Contracts Toward Productive Islamic Social Finance
DOI:
https://doi.org/10.20414/iqtishaduna.v17i1.15143Keywords:
Zakat, Rahn, Waqf, Contract Transformation, Islamic PhilanthropyAbstract
This study aims to explore the reconstruction of Zakat, Rahn (Sharia Pawn), and Wakaf contracts to transform Islamic philanthropy instruments from a social dimension to a business (productive) economic dimension. The main challenge in managing philanthropy today is the tendency for its use to remain charitable and limited to physical infrastructure, thus failing to optimally reduce economic disparities. This study uses a qualitative approach with descriptive-analytical methods through a functionalist lens, in which each contract is reviewed based on its function in solving the economic problems of the community. The results show that the synergy between social contracts (tabarru') and commercial contracts (tijarah), such as the use of Qardhul Hasan, Mudharabah, Musyarakah, and Ijarah, can create a sustainable productive economic model. Implementation models such as the Mustahik to Muzakki entrepreneurship program in zakat, Ar-Rum products in Rahn, and project financing through cash waqf have proven effective in mobilizing community funds into productive assets. In conclusion, professional governance and integration between philanthropic instruments are crucial in building a strong, independent, and inclusive Islamic economic ecosystem.
Downloads
References
Asnaini. (2008). Zakat Produktif dalam Perspektif Hukum Islam. Yogyakarta: Pustaka Pelajar.
Bashori, A. (2020). MODEL PENDAYAGUNAAN ZAKAT PRODUKTIF_ Akmal Bashori_2020. 167–182.
Fuad, M., & Trianna, M. (2019). Analisis Peran Pembiayaan Oleh Pegadaian Syariah Bagi Pengembangan Umkm (Studi Kasus Produk Ar-Rum Di Kota Langsa). Jurnal Ekonomi Dan Bisnis Islam, 3(2), 217–240. www.pegadaiahnsyariah.co.id,
Hamidah, S., & Azizah, S. (2024). Pilihan Akad Pembiayaan Syariah untuk Pemberdayaan Pelaku Usaha Ternak Skala Mikro Berdasar Teori Economic Analysis of Law. Journal Of Agriprecision & Social Impact, 1(1), 28–46.
Hasan, M. A. (2020). Masail Fiqhiyah; Zakat, Pajak Asuransi Dan Lembaga Keuangan. 3rded. Jakarta:Raja Grafindo Persada.
Hasanah, D. (2024). Prinsip Akad Dalam Hukum Ekonomi Syariah Dan Implikasinya Dalam Transaksi Bisnis. Justisia: Journal of Legal Studies Management Science Doctoral Program, 2, 51–58.https://creativecommons.org/licenses/bync/4.0/DOI:https://doi.org/10.56457/jjih.v2i2.114
Hisham, Mohd Firdaus Badrul, and M. R. M. (2022). The Analysis of Waqf Reporting Practices and Waqf Information Disclosure: A Study at Perbadanan Wakaf Selangor, Malaysia. Humanities and Social Sciences Letters, 10(4), 593–605. https://doi.org/10.18488/73.v10i4.3212.
Kasdi, A. (2014). Peran Nadzir Dalam Pengembangan Wakaf. Jurnal Zakat Dan Wakaf, 1(2), 213–226.
Makhrus, M., & Mukarromah, S. (2020). Optimalisasi Pengelolaan Zakat Produktif Dalam Pemberdayaan Masyarakat Berbasis Komunitas Pada Pimpinan Daerah ‘Aisyiyah Kabupaten Banyumas. Dimas: Jurnal Pemikiran Agama Untuk Pemberdayaan, 20(1), 91. https://doi.org/10.21580/dms.2020.201.5439
Maulana, H. (2025). Implikasi Wakaf Produktif dalam Pembangunan Ekonomi Masyarakat. Karimah Tauhid, 4(2), 1023–1040. https://doi.org/10.30997/karimahtauhid.v4i2.17640
Pratama, Y. C. (2015). Peran Zakat dalam Penanggulangan Kemiskinan (studi Kasus: Program Zakat Produktif Pada Badan Amil Zakat Nasional). The Journal Of Tahudinomics.
Ridho, H. (2022). Pemberdayaan Ekonomi Masyarakat Berbasis Zakat Komunitas Perspektif Maqashid As-Syariah Ibnu Asyur (Studi Kasus di BAZNAS Kab. Jember). Proceedings of Islamic Economics, Business, and Philanthropy, 1(2), 656–679. https://jurnalfebi.iainkediri.ac.id/index.php/proceedings
Robiatun, F., Danugroho, A., & Halimatussa’adah, A. (2021). Perjalanan Sejarah Wakaf dalam Mendukung Ketahanan Ekonomi di tengah Pandemi Covid-19. Jurnal Paradigma: Jurnal Multidisipliner Mahasiswa Pascasarjana Indonesia, 2(2), 67–79.
Roficoh, L. W., & Ghozali, M. (2018). Aplikasi Akad Rahn Pada Pegadaian Syariah. Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 3(2). https://doi.org/10.30651/jms.v3i2.1736
Rosyidah, U., Ajib Ridlwan, A., & Rosyadi, M. S. (2021). Analisis Pengelolaan Dana Zakat Produktif Untuk Meningkatkan Kesejahteraan Umkm (Studi Kasus LAZISNU Jombang). JIES : Journal of Islamic Economics Studies, 2(2), 92–103. https://doi.org/10.33752/jies.v2i2.319
Siswanto, E. (2018). ANALISIS PRODUKTIVITAS PENGELOLAAN ZAKAT DARI SISTEM BAGI HASIL (Studi Kritis Bank Muamalat Cabang Kota Jayapura). Palita: Journal of Social Religion Research, 3(2), 141–164. https://doi.org/10.24256/pal.v3i2.387
Syahfira Adelia, Abdullah Sani, N. H. (2023). Implementasi Manajemen Pengelolaan Zakat Produktif Pada Badan Amil Zakat Nasional Kabupaten Langkat Periode Tahun 2022-2023. Khazanah : Journal of Islamic Studies, 2(2), 53–66.
Wardhana, R. R., & Ridlwan, A. A. (2025). Implementasi Zakat Produktif Berbasis Kewirausahaan di Lembaga Amil Zakat Muhammadiyah Sidoarjo. Syarikat: Jurnal Rumpun Ekonomi Syariah, 8(1), 188–202. https://journal.uir.ac.id/index.php/syarikat/article/view/20661
Zuhaili, W. (1989). Al-fiqh al-Islami wa Adillatuhu, Damaskus: Daar alFikr.
Downloads
Published
Issue
Section
License
Copyright (c) 2026 Musrini Muis, Hamzah Khaeriyah, Rahmawati Muin
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
