Article Per Year (5 Year)
p-Index From 2021 - 2026
0.444
P-Index
This Author published in this journals
All Journal Bulletin of Counseling and Psychotherapy Bulletin of Indonesian Islamic Studies
Ita Dwilestari
Universitas Ma'arif Lampung, Indonesia
Religion Arts Humanities Education Health Professions Public Health Social Sciences Other

Published : 2 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 2 Documents
Search

 1 
Komitmen Religius dan Kecemasan Finansial dalam Perilaku Zakat Digital: Studi Psikologi Ekonomi Islam Ambariyani Ambariyani; Ita Dwilestari
Bulletin of Counseling and Psychotherapy Vol. 8 No. 2 (2026): Bulletin of Counseling and Psychotherapy
Publisher : Kuras Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51214/002026081911000

Abstract

The digitalization of zakat introduces new challenges in understanding muzakki behavior, particularly as normative–fiqh approaches continue to dominate zakat studies and assume that religious commitment automatically leads to zakat compliance, including through digital platforms. This assumption becomes increasingly problematic amid economic uncertainty that generates financial anxiety and influences religio-economic decision-making. This study aims to analyze digital zakat behavior from the perspective of Islamic economic psychology by focusing on the relationship between religious commitment and financial anxiety in the context of zakat digitalization. The research specifically examines the tension between normative religious rationality and the psychological dynamics experienced by muzakki when facing financial risk and the need for economic security. Employing a qualitative approach with a normative–conceptual design, this study utilizes systematic literature review, qualitative content analysis, and thematic analysis. The findings indicate that religiosity functions as a primary moral–spiritual motivation; however, its influence on digital zakat behavior is conditional and mediated by financial anxiety. These results underscore the importance of integrating Maqāṣid al-Sharī‘ah and Islamic economic psychology in the formulation of digital zakat policies and practices that are more contextual, responsive, and psychologically informed.
Praktik E-Money Pada Aplikasi Dana Perspektif Fatwa Dsn-Mui No. 116 Tahun 2017 Ita Dwilestari
Bulletin of Indonesian Islamic Studies Vol. 3 No. 1 (2024): Bulletin of Indonesian Islamic Studies
Publisher : KURAS Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51214/biis.v3i1.1165

Abstract

The use of the DANA application as a digital transaction tool further increases convenience in various types of payments. The implementation of financial technology in electronic money makes it easier for people to learn and use it in their daily lives. This research aims to understand the practice of e-money on the DANA application and analyze it in the perspective of DSN-MUI fatwa No. 116 of 2017. This research uses qualitative methods with primary and secondary data sources, as well as data collection methods through interviews and documentation. The results show that the practice of e-money on the DANA application involves the use of an active phone number to access the application, with the balance stored in an ESCROW account that can be used for payment transactions without additional fees. The e-money payment system on the DANA application is in accordance with the provisions of the DSN-MUI fatwa No. 116/DSN-MUI/IX/2017 concerning sharia electronic money. Transactions between users and issuers use a wadi'ah contract, which fulfills the terms and conditions of the contract. However, the contract between the merchant and the issuer does not fully fulfill the provisions of the wakalah bi al-ujrah contract, because the merchant does not receive ujrah or wages from the issuer.
Co-Authors Ambariyani Ambariyani