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Zuul Fitriani Umari
Universitas Islam Negeri Raden Fatah Palembang Sumatera Selatan
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Efektivitas Layanan Pembayaran Digital Dalam Meningkatkan Pengumpulan Zakat : Studi Kasus Inisiatif Zakat Indonesia Dikota Palembang Dilan Hasanah; Zuul Fitriani Umari; Abubakar Sidik; Peny Cahaya Azwari
Miftah : Jurnal Ekonomi dan Bisnis Islam Vol. 4 No. 1 (2026): April 2026
Publisher : Yayasan Pondok Pesantren Sunan Bonang Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61231/q73spf79

Abstract

This study aims to analyze the effectiveness of digital payment services in increasing zakat collection at Inisiatif Zakat Indonesia (IZI) Palembang. This research uses a qualitative descriptive method through interviews, observations, and documentation. The results show that digital payment services implemented by IZI Palembang are quite effective in increasing the amount of zakat collection, although the number of muzakki fluctuates. Bank transfers remain the most dominant payment method, while the use of QRIS and the ZakatPedia application is not yet stable. The main obstacles include limited digital content creativity and low social media interaction. Improvement efforts are carried out through the use of social media and cooperation with communities; however, these efforts still need to be optimized. Therefore, strengthening digital communication strategies and content management is necessary to enhance zakat collection
Analisis Kesadaran Petani Kopi Dalam Membayar Zakat Pertanian(Studi Kasus Desa Aromantai Kecamatan Pulau BeringinKabupaten Oku Selatan) Veby Reza Fitria; Zuul Fitriani Umari; Abubakar Sidik; Peny Cahaya Azwari
Miftah : Jurnal Ekonomi dan Bisnis Islam Vol. 4 No. 1 (2026): April 2026
Publisher : Yayasan Pondok Pesantren Sunan Bonang Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61231/6ah6jr40

Abstract

This study aims to analyze the level of awareness of coffee farmers in paying agricultural zakat and the factors that influence this awareness in Aromantai Village, Pulau Beringin District, South OKU Regency. Data were obtained through in-depth interviews with coffee farmers, religious leaders, and village officials as research informants. Data analysis techniques were carried out through the processes of data reduction, data presentation, and drawing conclusions. The results of the study indicate that the level of awareness of coffee farmers in paying agricultural zakat in Aromantai Village is still relatively low. This is evident from the fact that coffee agricultural zakat has not yet become a routine obligation. Farmers generally only understand zakat in general and are more familiar with rice agricultural zakat than coffee agricultural zakat. Factors that influence the level of awareness of coffee farmers in paying agricultural zakat include low knowledge of the provisions of coffee agricultural zakat, community customs and culture, minimal socialization from religious leaders and zakat institutions, and the assumption that coffee agricultural zakat is not obligatory
Optimalisasi Peran Filantropi Islam ( Zakat Dan Wakaf ) Dalam Pembangunan Pendidikan Yang Berkelanjutan  Pada Madrasah Adiniya Al - Munawarah Kecamatan Payaraman Nur Farhanah; Zuul Fitriani Umari
Miftah : Jurnal Ekonomi dan Bisnis Islam Vol. 4 No. 1 (2026): April 2026
Publisher : Yayasan Pondok Pesantren Sunan Bonang Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61231/c38wwj60

Abstract

This study aims to analyze the optimization of Islamic philanthropy in the form of zakat and waqf in supporting sustainable educational development at Madrasah Diniyah Al-Munawarah, Payaraman District. This research uses a qualitative approach with a descriptive method. Data were collected through observation, interviews, and documentation. The findings show that the collection of zakat and waqf is still simple and depends on voluntary community participation without a structured system. In terms of distribution, zakat is mainly used to support teachers’ welfare, while waqf is utilized for the development of educational facilities. The use of zakat funds tends to be consumptive, whereas waqf is more productive as it supports long-term educational infrastructure. The management of zakat and waqf is not yet professional due to limited human resources and the absence of an organized administrative system. The effectiveness of fund utilization shows that zakat and waqf provide real benefits for teachers, students, and the community, although still limited. However, several obstacles exist, such as unstable economic conditions of the community, unstructured management, and suboptimal utilization. Thus, it can be concluded that zakat and waqf have contributed to the sustainability of education at Madrasah Diniyah Al-Munawarah, but their implementation is not yet optimal. Therefore, more professional and structured management is needed to support sustainable education.
Co-Authors Abubakar Sidik Dilan Hasanah Nur Farhanah Peny Cahaya Azwari Veby Reza Fitria