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All Journal Jurnal Indo-Islamika TARBIYA : Journal Education in Muslim Society
Emil Mirzayev
Azerbaijan University, Azerbaijan
Religion Humanities Education Law, Crime, Criminology & Criminal Justice Social Sciences

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From Religious Obligation to Digital Participation: Banking-Integrated Zakāh Collection and Muzakkī Engagement in Indonesia Zyra Yunka Aulia; Halimatussadiah Halimatussadiah; Citra Septiani; Elman Azizov; Emil Mirzayev; Ansari Yamamah
JURNAL INDO-ISLAMIKA Vol. 16 No. 1 (2026): Jurnal Indo-Islamika (June)
Publisher : Graduate School of UIN Syarif Hidayatullah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/jii.v16i1.52322

Abstract

This study examines the optimization of zakāh collection through banking-integrated payment services in Indonesia, focusing on how BAZNAS RI uses Integrated Marketing Communication (IMC) to transform zakāh payment from a religious obligation into digitally mediated public participation. Although Islamic banking has strategic potential to support zakāh collection through ATM, mobile banking, and other payment channels, its role remains underutilized because public awareness, digital literacy, campaign personalization, and institutional communication are not yet fully optimized. This study aims to analyze how banking services can strengthen zakāh collection when supported by an integrated communication strategy and the Customer Path 5A model. Employing a qualitative case study, the research draws on interviews with BAZNAS RI officials and source triangulation tracking four (4) digital-savvy muzakkī with diverse channel preferences (mobile banking, QRIS, website, and corporate payroll autodebit). The empirical findings demonstrate that synchronized multi-channel IMC tools effectively expand visibility during the Aware and Appeal stages. Furthermore, structural integrations with Islamic banking interfaces (e.g., BYOND by BSI and OCTO Mobile) and corporate payroll systems minimize transaction friction, enabling critical donors to transition smoothly from the Ask to the Act phase. Continuous post-transaction engagement via automated receipts subsequently reinforces trust, converting regular donors into active advocates. Processed financial data corroborates this trajectory, illustrating a valid positive growth trend where aggregate collection expanded by 28.3% by the end of 2024, driven by a 34.6% increase in retail zakāh. This study demonstrates that synchronized communication and banking accessibility are central to optimizing digital retail philanthropy.
Leadership Succession in Indonesian Pesantren: A Case-based Framework for Cadre Development Acep Nugraha; Acep Mulyadi; Andi Hidayat; Fauzan Ulwan Fadhlurrahman; Aulia Ayu Rohayah; Emil Mirzayev
TARBIYA: Journal of Education in Muslim Society TARBIYA: JOURNAL OF EDUCATION IN MUSLIM SOCIETY | VOL. 13 NO. 1 2026
Publisher : Faculty of Educational Sciences, UIN (State Islamic University) Syarif Hidayatullah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/tjems.v13i1.53099

Abstract

Abstract Leadership succession remains a challenge for Indonesian pesantren, where authority is often concentrated in the kiai and cadre systems are unevenly institutionalized. This study examines leadership cadre development at Pesantren Darul Muttaqin Bogor and develops a case-based framework. Using an interpretive intrinsic case study, data were collected from January to June 2025 through 18 interview sessions with 14 participants, 120 hours of participant observation, and analysis of 15 institutional documents. Reflexive Thematic Analysis produced five empirical themes: regeneration challenges, institutional architecture, leadership pipeline, collaborative ecosystem, and value internalization. The findings were synthesized into a six-dimensional framework comprising institutional prerequisites, selection, development, assessment, succession, and institutional outcomes. The case shows that professionalized governance can coexist with spiritual formation, but its sustainability is constrained by centralized authority, uneven selection transparency, gendered career mobility, and cadre workload. The framework is provisional and intended for analytical transfer rather than statistical generalization. Abstrak Regenerasi kepemimpinan menjadi tantangan bagi pesantren yang masih bergantung pada otoritas kiai dan belum memiliki sistem kaderisasi yang terlembaga. Penelitian ini menganalisis pengembangan kader kepemimpinan di Pesantren Darul Muttaqin Bogor dan merumuskan kerangka berbasis kasus. Penelitian menggunakan studi kasus intrinsik interpretif dengan data yang dikumpulkan pada Januari–Juni 2025 melalui 18 sesi wawancara dengan 14 partisipan, 120 jam observasi partisipatif, dan analisis 15 dokumen kelembagaan. Reflexive Thematic Analysis menghasilkan lima tema empiris: tantangan regenerasi, arsitektur kelembagaan, pipeline kepemimpinan, ekosistem kolaboratif, dan internalisasi nilai. Sintesis temuan menghasilkan kerangka enam dimensi yang mencakup prasyarat kelembagaan, seleksi, pengembangan, asesmen, suksesi, dan hasil kelembagaan. Temuan menunjukkan bahwa profesionalisasi tata kelola dapat berjalan bersama pembentukan spiritual, tetapi keberlanjutannya masih dipengaruhi oleh sentralisasi otoritas, transparansi seleksi, mobilitas karier berbasis gender, dan beban kerja kader. Kerangka ini bersifat kontekstual dan ditujukan sebagai rujukan analitis, bukan generalisasi.
Co-Authors Acep Mulyadi Acep Nugraha Andi Hidayat Ansari Yamamah Aulia Ayu Rohayah Citra Septiani Elman Azizov Fauzan Ulwan Fadhlurrahman Halimatussadiah Halimatussadiah Zyra Yunka Aulia