Article Per Year (5 Year)
p-Index From 2021 - 2026
0.408
P-Index
This Author published in this journals
All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah BAABU AL-ILMI: Ekonomi dan Perbankan Syariah
Ovita Apriyani
Universitas Islam Negeri Fatmawati Sukarno Bengkulu
Religion Economics, Econometrics & Finance Education Social Sciences Other

Published : 2 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 2 Documents
Search

 1 
Analisis Perilaku Muzakki dalam Optimalisasi Zakat sebagai Instrumen Pemberdayaan Ekonomi Umat Widya Wulan Sari; Ovita Apriyani; Syafitri Anggraini
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 11, No 2 (2026): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v11i2.11890

Abstract

This study aims to analyze the behavior of muzakki in optimizing zakat as an instrument for empowering the people's economy, especially in the context of how muzakki fulfill and distribute zakat and the factors that influence these decisions, such as religiosity, trust in zakat institutions, and preferences for zakat distribution.This study employed a qualitative approach with a phenomenological approach. Informants were selected using purposive sampling, consisting of zakat payers from among the State Civil Apparatus (ASN), entrepreneurs/traders, and private sector employees. Data were collected through in-depth interviews to explore the experiences, motivations, and perceptions of zakat payers in paying zakat. The results of the study indicate that the behavior of muzakki (payers of zakat) is still dominated by a normative compliance orientation in paying zakat, with a less than optimal level of trust in zakat management institutions. Furthermore, there is a tendency for muzakki to distribute zakat directly to mustahik due to emotional satisfaction, so that the zakat distribution pattern still tends to be consumptive and not fully oriented towards economic empowerment. These findings indicate that the optimization of zakat as an instrument for empowering the community's economy has not been fully achieved. Therefore, improving zakat literacy, strengthening trust in zakat institutions, and transforming zakat distribution patterns from consumptive to productive is necessary to support the sustainable economic independence of those entitled to receive zakat
Kesenjangan Digitalisasi Ziswaf di Indonesia 2022–2024: Analisis Sistematik dan Kerangka Strategi Penguatan Lembaga Keuangan Sosial Islam Ovita Apriyani
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 3 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i3.31523

Abstract

Lembaga Keuangan Sosial Islam (LKSI) yang mengelola instrumen zakat, infak, sedekah, dan wakaf (ZISWAF) memegang peran strategis dalam pemberdayaan ekonomi umat di Indonesia. Di tengah akselerasi transformasi digital, LKSI dituntut beradaptasi secara cepat dan terencana. Kajian ini bertujuan: (1) menganalisis kondisi terkini LKSI berdasarkan data terverifikasi periode 2022–2024; (2) memetakan tantangan dan peluang transformasi digital secara komprehensif; serta (3) merumuskan strategi penguatan kelembagaan yang adaptif dan berkelanjutan. Menggunakan pendekatan Systematic Literature Review (SLR) dengan protokol PRISMA, data dikumpulkan dari laporan resmi BAZNAS dan BWI serta 18 artikel jurnal nasional-internasional terverifikasi. Hasil kajian menunjukkan potensi zakat nasional mencapai Rp327 triliun per tahun, namun realisasi 2023 hanya Rp32,3 triliun (±10%). Di sektor wakaf, akumulasi wakaf uang baru Rp2,23 triliun dari potensi Rp180 triliun per tahun. Kesenjangan ini disebabkan lemahnya literasi ZISWAF, minimnya integrasi data, serta regulasi yang belum adaptif. Digitalisasi membuka peluang perluasan basis donatur melalui fintech syariah dan peningkatan transparansi melalui blockchain. Penelitian ini merekomendasikan empat strategi: integrasi fintech syariah, penerapan blockchain untuk tata kelola, penguatan literasi ZISWAF berbasis digital, dan sinergi antarlembaga dalam ekosistem keuangan sosial Islam.
Co-Authors Syafitri Anggraini Widya Wulan Sari