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All Journal ITQAN: Journal of Islamic Economics, Management, and Finance
Mubarak, Darihan
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Building Healthcare Sector in Post-Pandemic Era: Potential Role of Islamic Social Finance Choiriyah, Evi Aninatin Ni’matul; Mubarak, Darihan; Indrawan , Imam Wahyudi
ITQAN: Journal of Islamic Economics, Management, and Finance Vol. 4 No. 2 (2025): ITQAN: Journal of Islamic Economics, Management, and Finance
Publisher : Yayasan Mitra Peduli Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57053/itqan.v4i2.73

Abstract

Islamic social finance instruments can be adopted to restore and achieve a healthy life and promote welfare after COVID-19, integrated with SDGs number three. As Islamic social finance instruments, Zakat, Infaq, Sadaqah, and Waqf play a significant role in solving marginalization and vulnerability that focus on local programs, thus impacting social and economic inclusion. Using a literature review approach, the objective of this paper is to examine the role of Islamic social finance instruments as alternative funding to achieve Sustainable Development Goals (SDGs) number three, "Good Health and Well-being," which is also in line with the recovery of COVID-19 in the healthcare sector. The results of this study indicate that Islamic Social Finance can solve the problem of economic funding due to the COVID-19 pandemic. In the short term, building and repairing primary health facilities, providing affordable health services, and providing access to health insurance for people experiencing poverty are actions that need to be realized immediately. As for the medium term, post-COVID-19, mental recovery and consultation efforts must be intensified. Investments in technology for telemedicine or telemedicine facilities and reforms in the post-pandemic COVID-19 health sector must be addressed and pursued. Based on current findings, this study recommends a synergy for all countries to jointly achieve the SDG number three target while restoring global socio-economic conditions post-COVID-19.
Indonesian Millennials' Financial Behavior in Responding to the Cost of Hajj Aulia, Sulthonul; Mubarak, Darihan
ITQAN: Journal of Islamic Economics, Management, and Finance Vol. 4 No. 2 (2025): ITQAN: Journal of Islamic Economics, Management, and Finance
Publisher : Yayasan Mitra Peduli Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57053/itqan.v4i2.113

Abstract

This research explores how Indonesian millennials are responding to the significant costs of the Hajj pilgrimage and the financial strategies they employ to save up. The average waiting period for Hajj in Indonesia stretches to a prolonged 24 years, and this is made even more challenging by the increasing age of those currently registered, which effectively lengthens the wait time for younger, prospective pilgrims. This situation, combined with anticipated increases in historical costs and financial hurdles, may make it more challenging for future pilgrims to pay the initial deposit, potentially leading to even higher Hajj expenses in the future. Using a qualitative approach with thematic analysis, the study gathered primary data through semi-structured interviews with 11 Indonesian millennials. The findings reveal that all respondents find the total Hajj costs excessive, with the initial deposit presenting an opportunity cost for those earning below the minimum wage. A common trend, especially among low- to middle-income groups, is a preference for gold as an investment. High-income respondents are more proactive, aiming to cover the initial Hajj deposit in under five years by dedicating 10-15% of their income to specific Hajj savings. However, various financial obstacles prevent most respondents from achieving their financial goals for the Hajj pilgrimage. This study contributes to the development of a more inclusive and adaptive Hajj financial policy to the financial needs and behavior of the millennial generation in Indonesia.
Co-Authors Aulia, Sulthonul Bayinah, Ai Nur Choiriyah, Evi Aninatin Ni’matul Indrawan , Imam Wahyudi Sigit Pramono