Article Per Year (5 Year)
p-Index From 2021 - 2026
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All Journal Journal of Economics, Entrepreneurship, Management Business and Accounting
Muhammad Wanto
UIN Sunan Kalijaga Yogyakarta, Indonesia
Economics, Econometrics & Finance

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Islamic Social Finance and Islamic Bank Collaboration in Countering Predatory Finance Muhammad Wanto; Misnen Ardiansyah; Moh. Tamtowi
Journal of Economics, Entrepreneurship, Management Business and Accounting Vol 4 No 5 (2026): Volume 4, Issue 5, September 2026
Publisher : CV. Sakura Digital Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61255/jeemba.v4i5.1879

Abstract

Purpose - This study examines the determinants of Islamic bank financing and explores the strategic role of collaboration between zakat institutions and Islamic banks in protecting underserved communities from predatory financial practices. Design/methodology/approach - This study employs a qualitative multi-source design combining an integrative thematic literature review with contextual empirical evidence. The analysis draws on Scopus-indexed studies, an interview with the Chair of BAZNAS Banten Province, stakeholder discussion records, official regulatory reports, and verified media sources. Data were analyzed thematically using source triangulation. Findings/Results - The findings identify economic growth, inflation, exchange rates, third-party funds, and financing-to-deposit ratios as important determinants of Islamic bank financing. The study also shows that collaboration between BAZNAS and Islamic banks through CSR funds, zero-margin financing, and guarantee mechanisms can strengthen financial inclusion and reduce dependence on illegal online lending, Bank Emok, and informal moneylenders. Originality/Value - This study integrates Islamic banking and Islamic social finance within a collaborative framework for addressing predatory finance. The findings highlight the potential of combining commercial, social, and technological instruments to develop more inclusive and socially responsible financing systems.
Co-Authors Misnen Ardiansyah Moh. Tamtowi