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All Journal Journal Of World Science Jurnal Pendidikan Indonesia (Japendi) Jurnal Ekonomi, Teknologi dan Bisnis
Antonio Silva Sprock
Universidad Central de Venezuela, Venezuela
Astronomy Computer Science & IT Economics, Econometrics & Finance Education Engineering Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mechanical Engineering Social Sciences

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Realizing Inclusive Zakat Services: A Case Study of Accessibility for People with Disabilities at Baznas Bekasi Regency Muhammad Permadi; Atin Risnawati; Antonio Silva Sprock
Journal of World Science Vol. 5 No. 9 (2026): Journal of World Science
Publisher : Riviera Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58344/jws.v5i9.1714

Abstract

This study analyzes the implementation of inclusive zakat services through a single-case study of accessibility for persons with disabilities at BAZNAS Bekasi Regency and identifies the barriers and strategies required to establish disability-friendly zakat services. A qualitative single-case design was applied. Data were obtained from semi-structured interviews with eighteen informants comprising zakat managers, amil, distribution officers, mustahik with disabilities and family caregivers, participatory observation at service points, an accessibility audit of institutional digital channels against WCAG 2.2, and analysis of standard operating procedures, distribution records and reports. Data were analyzed through reduction, display, and conclusion drawing and verification, with source triangulation, member checking and an audit trail. The study found that accessibility is uneven along the service chain. Information delivery and distribution were comparatively accessible, whereas digital access was the weakest link: the institutional website and online forms failed key WCAG 2.2 criteria on text alternatives, contrast, form labelling and keyboard operability, leaving screen reader users dependent on others. Administrative requirements could not be completed unaided by mustahik with intellectual and psychosocial disabilities, physical facilities met basic provisions but lacked guiding blocks and accessible sanitation, no officer had received formal disability service training, and post distribution mentoring was not standardized. Five strategies were derived from these findings: periodic accessibility audits, a disability service standard operating procedure, amil capacity building, WCAG 2.2 compliant digital channels, and impact based monitoring. Read through maqasid al-shari'ah, accessible zakat services protect life, intellect, property, dignity and religion, and strengthen social justice and institutional trust.
Financial Literacy and Behavioral Biases in Generation Z Investment Decisions in Indonesia Rafi Farizki; Rani Santika; Antonio Silva Sprock
Jurnal Ekonomi Teknologi dan Bisnis (JETBIS) Vol. 5 No. 9 (2026): Jurnal Ekonomi, Teknologi dan Bisnis
Publisher : Al-Makki Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57185/jetbis.v5i9.355

Abstract

Background: Financial literacy is increasingly important for Generation Z investors in Indonesia, where rapid capital market participation contrasts with limited capital market literacy. Objective: This article examines how financial literacy, behavioral biases, and digital social influence relate to investment decisions and develops a conceptual framework. Methods: A systematic literature review approach was used to organize publications from 2011 to September 2026 alongside official statistics. The manuscript reports screening 52 full-text sources and retaining 40 sources; the underlying included-study inventory requires verification. Results: Four themes are discussed: differences between objective knowledge and perceived competence, persistent behavioral biases, digital mediation through influencers and platform design, and the limited durability of conventional financial education effects. A conceptual framework distinguishes objective from perceived literacy and proposes six relationships for future empirical examination. Conclusion: Financial literacy may moderate rather than directly determine investment decision quality, while digital influence and behavioral biases remain central mechanisms. These propositions require empirical testing and a fully traceable review evidence base.
Digital Marketing Capability as a Source of Competitive Advantage: The Role of Customer Analytics Capability in Enhancing Firm Performance Suhendi Suhendi; Solehudin Solehudin; Fatih Humam Ramadhan; Restu jahira dhawi mughni; Antonio Silva Sprock
Jurnal Pendidikan Indonesia Vol. 7 No. 9 (2026): Jurnal Pendidikan Indonesia (Japendi)
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/japendi.v7i9.10672

Abstract

The widespread adoption of digital marketing technologies has intensified competition, raising questions about how firms can develop sustainable competitive advantages when digital platforms and tools are easily accessible to competitors. This study aims to conceptualize digital marketing capability as a source of competitive advantage and explain the role of customer analytics capability in strengthening its contribution to firm performance. A conceptual literature review was conducted using library research involving 31 scholarly articles published between 2016 and 2022. The literature was examined through thematic analysis to identify theoretical relationships among digital marketing capability, customer analytics capability, competitive advantage, and firm performance. The findings suggest that digital marketing capability supports organizational performance through effective channel management, digital communication, customer relationship management, and marketing technology utilization. However, its strategic value becomes more sustainable when complemented by customer analytics capability, which transforms customer data into actionable insights, improves targeting accuracy, optimizes marketing resource allocation, and facilitates organizational learning and innovation. Five theoretical propositions were formulated, alongside three boundary conditions involving data-driven organizational culture, customer privacy management, and firm size. The study concludes that competitive advantage depends on integrating digital marketing execution with analytical capabilities rather than relying solely on digital channel adoption. Theoretically, this research offers an integrated conceptual framework for future empirical testing. Practically, it highlights the importance of coordinated investments in digital marketing competencies, customer analytics, and responsible data governance to improve organizational competitiveness and performance.
Co-Authors Atin Risnawati Fatih Humam Ramadhan Muhammad Permadi Rafi Farizki Rani Santika Restu jahira dhawi mughni Solehudin Solehudin Suhendi Suhendi