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All Journal JURNAL BISNIS STRATEGI Dinar: Jurnal Ekonomi dan Keuangan Islam BAKI (Berkala Akuntansi dan Keuangan Indonesia) Jurnal Ekonomi & Keuangan Islam Transformatif Journal of Islamic Economic Laws Al-Banjari : Jurnal Ilmiah Ilmu-Ilmu Keislaman Jurnal At-Tarbiyat (Jurnal Pendidikan Islam) Shirkah: Journal of Economics and Business Economics and Finance in Indonesia JASF (Journal of Accounting and Strategic Finance) El-Qish: Journal of Islamic Economics Borneo International Journal of Islamic Studies Jurnal Manajemen dan Pemasaran Jasa Al-Istinbath: Jurnal Hukum Islam Jurnal Penelitian Economic and Finance in Indonesia Publication of the International Journal and Academic Research (PIJAR) Journal of Islamic Economic Laws
Alfina Rahmatia
Ahmad Dahlan University
Religion Arts Humanities Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Bridging the gap between NFT public perspectives and its Islamic finance principles Rahmatia, Alfina; Saputra, Arief Dwi
Jurnal Ekonomi & Keuangan Islam Volume 11 No. 2, July 2025
Publisher : Faculty of Economics, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/JEKI.vol11.iss2.art5

Abstract

Purpose – Non-Fungible Tokens (NFT), one of the latest innovations in the financial world, have succeeded in triggering debate among the public, especially in terms of Islamic financial principles. Therefore, this study seeks to explore the gap between public societies’ perspectives on NFT on Twitter and the discourse conveyed by experts in research articles or journalists in popular articles. Methodology: This study combines two analyses, namely sentiment analysis, using the R Studio application to categorize public opinion into positive, neutral, and negative sentiments. Discourse analysis uses the NVivo 12 application to identify critical themes in scientific writing.Findings – The results show various perceptions of positive sentiments often associated with NFT and innovation. By contrast, negative sentiments focus on speculation, lack of clarity, and the potential to conflict with the principles of Islamic finance. These findings convey concerns about the speculative nature of the NFT and its compliance with Sharia law. However, some scholars argue that NFT can be structured according to Islamic ethics if proper guidelines are followed. Implications – This study contributes to bridging the gap between public perception and scholars, so that insights arise regarding NFT as perceived within the framework of Islamic finance. Originality – We believe this study is the first qualitative study to investigate public sentiment about NFT from Twitter/X and discuss it with the principles of Islamic finance.
Gamification Model as a Business Strategy for MSMEs in Indonesia Saputra, Arief Dwi; Rahmatia, Alfina
JASF: Journal of Accounting and Strategic Finance Vol. 4 No. 1 (2021): JASF (Journal of Accounting and Strategic Finance) - June 2021
Publisher : Accounting Department, Faculty of Economics and Business, Universitas Pembangunan Nasional Veteran Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33005/jasf.v4i1.162

Abstract

Gamification is a game design in a non-game context that can be applied to the Micro, Small, and Medium Enterprises (MSMEs) business. This study aims to see how the role of gamification can be a model in MSMEs' business activities and performance. The sample is 13 of 34 MSMEs business managed by students at the Provincial level in Indonesia who are student representatives at the Branch Leaders, Branch Managers, and Regional Leaders in a hierarchical structure. First, the root of the problem is viewed from secondary data through theoretical studies (literature reviews, reports, and reputable media data) and observations of empirical aspects (observation and interviews). In the next stage, the data is processed using the Nvivo 12 application with codingsimilarity analysis. Then the results of the study are used as a reference and conclusions through the data obtained. Based on the analysis results, the study agenda was prepared to answer the challenge of demographic bonuses and the middle-income trap on the contribution of MSMEs in facing changes in the economic order in the new normal era. The implication is to become abusiness model for MSMEs in overcoming human capital problems by encouraging creative and innovative attitudes and traits. Furthermore, the application of gamification as a business strategy shows an interconnected and supportive soul as a solution with an impact on behavior change, motivation, and psychological effects of entrepreneurship. Thus, users, such as managers,employees, dan customers, are to be involved in the selling process through gamification.
Zakat Behavior in Urban Communities: A Sharia-Oriented Phenomenological Study Susiyanto; Ardinata, Mikho; Isra, Muhammad Faiz; Saputra, Arief Dwi; Rahmatia, Alfina
AL-ISTINBATH : Jurnal Hukum Islam Vol 11 No 1 (2026): In Press
Publisher : Institut Agama Islam Negeri Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/jhi.v11i1.15260

Abstract

This study advances the understanding of zakat behavior by challenging dominant behavioral approaches particularly those grounded in the Theory of Planned Behavior which reduce compliance to measurable determinants while overlooking its legal and experiential dimensions. Adopting a socio-legal Islamic law perspective, this research employs an interpretive phenomenological approach to examine how muzakki experience, interpret, and enact zakat as a binding religious obligation in contemporary urban contexts. Data were collected through in-depth interviews with 15 informants and analyzed using a systematic thematic coding process. The findings reveal that zakat behavior is fundamentally meaning-driven, rooted in experiential religiosity as an internalized moral and spiritual awareness. Institutional trust emerges not as a direct determinant, but as an interpretive mediator through which individuals assess the legitimacy of formal and informal zakat practices, resulting in hybrid distribution patterns. Critically, maqasid al-shariah operates as a practical framework of legal reasoning, guiding compliance based on the perceived realization of maslahah, adl, and tazkiyah, rather than procedural adherence alone. By integrating phenomenological insights with socio-legal analysis, this study reconceptualizes zakat behavior as a meaning-driven, legally interpreted, and socially embedded process. It contributes to the literature by moving beyond determinant-based models toward an integrative framework that bridges Islamic legal theory and empirical behavior. Practically, the findings underscore the need for maqasid-oriented governance and hybrid zakat management strategies that enhance institutional legitimacy by aligning formal systems with lived religious expectations.
Co-Authors Aliya Khairunnisa Andi Azhar Andy Putra Wijaya Ardinata, Mikho Arief Dwi Saputra Arief Dwi Saputra Arief Dwi Saputra Arief Dwi Saputra Arliansyah, Arliansyah Dwi Saputra, Arief Muhammad Faiz Isra Muhammad Imam Ma'ruf Muslimah Muslimah Muslimah Muslimah Muslimah Muslimah Saputra, Arief Dwi Siti Rahmah Sri Handari Wahyuningsi Sri Handari Wahyuningsih Sri Handari Wahyuningsih Susiyanto Susiyanto Wahyuningsih, Sri Handari Wijaya, Andy Putra