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All Journal Al-Kharaj: Journal of Islamic Economic and Business Iqtishadia: Jurnal Ekonomi dan Perbankan Syariah
Ihsan Ro'is
University of Mataram
Economics, Econometrics & Finance

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Decision to Cash Waqf by the Muslim Community Mediated by Awareness and Interest Ali Akbar Hidayat; Moh. Huzaini; Ihsan Ro'is; Muhammad Dzul Fadlli; Vici Handalusia Husni; Zalina Zainal
IQTISHADIA Jurnal Ekonomi & Perbankan Syariah Vol. 13 No. 1 (2026)
Publisher : Universitas Islam Negeri Madura

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Abstract

This research aims to analyze the factors influencing the decision to engage in a cash waqf in West Nusa Tenggara. This research method employed a quantitative approach with an associative framework. This study did not specify the population size. Accordingly, sampling was performed using a non-probability sampling method, which ultimately resulted in a convenience sample of 230 respondents, as determined by the Lemeshow formula. Religiosity, attitude, and subjective norm are the independent variables, while the decision to cash a waqf is the dependent variable. Awareness and interest serve as a moderating variable. This study utilizes Structural Equation Modeling – Partial Least Squares (SEM-PLS) to analyze data. The research results indicate that religiosity, attitudes, and subjective norms have a positive but insignificant effect on the decision to cash a waqf. The same result occurs when religiosity, attitudes, and subjective norms are mediated by awareness. However, these three variables positively impact the decision to cash a waqf, with interest as a mediator, and this impact is statistically significant. An adjusted R-Squared value of 0.520 or 52 percent indicated that the variables of religiosity, attitudes, subjective norms, awareness, and interest can explain the variation in the decision to cash waqf, which indicates a moderate model. This result is strong in the context of complex behavioral models, given that many similar studies show Adjusted R-Squared values between 30 and 70 percent.
Economic Feasibility and Sustainability of a Circular Economy of Cow Dung-Based Household Biogas in West Nusa Tenggara Baiq Putri Eliza Salsabilla; Ihsan Ro'is; Muhamad Bai'ul Hak
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 3 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i3.11879

Abstract

This study aims to analyze the economic feasibility of utilizing cow dung for household biogas and examine its contribution to the implementation of a circular economy and local resource-based economic development in West Nusa Tenggara Province. The study uses a quantitative approach with the Cost-Benefit Analysis (CBA) method through Net Present Value (NPV), Internal Rate of Return (IRR), Benefit-Cost Ratio (BCR), and Payback Period (PP) indicators, supported by empirical validation through limited interviews with household biogas users. The research data is a combination of secondary and primary data. The results show that the household biogas system is economically feasible with an NPV of Rp869,688, an IRR of 12.6%, a BCR of 1.09, and a Payback Period of 6.8 years. The main economic benefits come from savings in LPG use and the use of bio-slurry as organic fertilizer, which is supported by field validation results in the form of reduced household energy expenditure and low operational costs of the biogas system. From a circular economy perspective, the biogas system reflects a closed-loop system pattern through processing livestock waste into renewable energy and utilizing its residue as a productive input. These findings indicate that household biogas is not only feasible as a renewable energy investment, but also contributes to increasing the efficiency of local resource utilization, strengthening the energy security of rural communities, contributing to the efficiency of community expenditure, and supporting sustainable economic development in West Nusa Tenggara Province.
Co-Authors Ali Akbar Hidayat Baiq Putri Eliza Salsabilla Moh. Huzaini Muhamad Bai'ul Hak Muhammad Dzul Fadlli Vici Handalusia Husni Zalina Zainal