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All Journal Value Added: Majalah Ekonomi & Bisnis Journal of Islamic Studies and Humanities Inovasi : Jurnal Ekonomi, Keuangan, dan Manajemen al-Afkar, Journal For Islamic Studies KEUDA : JURNAL KAJIAN EKONOMI DAN KEUANGAN DAERAH Journal of Indonesian Tourism, Hospitality and Recreation JESI (Jurnal Ekonomi Syariah Indonesia) Jurnal Public Policy International Journal of Zakat (IJAZ) Jurnal Al Azhar Indonesia Seri Ilmu Sosial Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam Bertuah : Jurnal Syariah dan Ekonomi Islam AL-ARBAH: Journal of Islamic Finance and Banking Journal of Islamic Economics and Philanthropy Jurnal Ekonomi KIAT Journal of Islamic Economic and Business Research Al Dzahab Ijtimā`iyya: Journal of Muslim Society Research Unisia Constitution Journal Sanskara Akuntansi dan Keuangan JIPM: Jurnal Indragiri Penelitian Multidisiplin Jurnal Multidisiplin West Science The Es Economics and Entrepreneurship Journal of Central Banking Law and Institutions Jurnal Adijaya Multidisiplin Sanskara Manajemen dan Bisnis Eastasouth Journal of Impactive Community Services Jurnal Pengabdian West Science West Science Journal Economic and Entrepreneurship Journal of Business and Political Economy: Biannual Review of The Indonesian Economy Review Journal Middle East and Islamic Studies Imara: Jurnal Riset Ekonomi Islam INASJIF Neraca Manajemen, Akuntansi, dan Ekonomi Constitution Journal West Science Islamic Studies Maklumat: Journal of Da'wah and Islamic Studies PRIMER: Jurnal Ilmiah Multidisiplin Al-Fadilah: Islamic Economics Journal Iqtishadia: Jurnal Ekonomi dan Perbankan Syariah Rihlah Iqtishad: Jurnal Bisnis dan Keuangan Islam IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita Al-Risalah Jurnal Studi Agama dan Pemikiran Islam Ulil Albab Journal of Islamic Economics and Business Ethics Al-Amwal: Jurnal Ekonomi dan Perbankan Syariah
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ZAKAT MANAGEMENT TO BUILD COMMUNITY WELFARE IN BENGKALIS REGENCY, RIAU PROVINCE Zulfikar Hasan; Julia Sukma; Kamiluddin Kamiluddin
Al-Risalah : Jurnal Studi Agama dan Pemikiran Islam Vol 15 No 1 (2024): Al-Risalah : Jurnal Studi Agama dan Pemikiran Islam
Publisher : Fakultas Agama Islam, Universitas Islam As-Syafiiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34005/alrisalah.v15i1.3499

Abstract

This study aims to determine the strategy for managing zakat funds to improve people's welfare at the Bengkalis Regional Zakat Agency (BAZNAS).The research was conducted using a qualitative approach with descriptive methods, in which the data were obtained through interviews, observation, documentation, and a literature review. The results showed that the strategy for managing zakat funds used by the Amil Zakat Agency of Bengkalis Regency was to increase cooperation with various agencies, including government agencies, often by conducting socialization through seminars on zakat. They were growing the competence of Amil Human Resources (HR), the Zakat Collection Unit (UPZ), and volunteers and developing an information and communication technology (ICT) system for managing zakat. While the obstacles are the lack of public understanding of zakat and the lack of public trust in the Amil Zakat Agency, Bengkalis Regency. The solutions implemented by BAZNAS Bengkalis Regency to overcome obstacles include BAZNAS having to carry out transparency in management, modernization of control, and publication of zakat management. The Bengkalis Regency National Amil Zakat Agency (BAZNAS) needs to involve government and private institutions in programs that can assist mustahik in using zakat funds. As well as, the role of local government in improving the management of zakat can increase people's motivation to pay zakat. There needs to be in-depth research on zakat in the regions, and Bengkalis Regency has a different program from the other areas in Indonesia.
Market Share Islamic Banking In Indonesia Zulfikar Hasan
IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita Vol 8 No 1 (2019): IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita - June
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/iqtishaduna.v8i1.157

Abstract

At the end of 2016, the Islamic banking market share stood at 356.5 trillion Indonesian rupiahs ($26.7 billion), equivalent to 5.03 per cent of the total banking sector’s assets. Islamic banking assets have risen faster year-on-year compared to conventional banking, registering a growth of 8.8 per cent in 2015 and 20.3 per cent in 2016. The performance of the Islamic banking industry in Indonesia has yet to satisfy the public’s expectations. Although with a market of more than 200 million Muslims, Islamic banks in Indonesia still face difficulties luring more customers and increasing their assets. For three consecutive years, the market share of the sharia banks in the country stood still at less than 5 per cent. According to the Global Advisors Islamic Finance Outlook Report for 2016, no Indonesian Islamic banks were ranked in the top five largest banks based on assets in Southeast Asia. This is an alarming situation for the industry and regulators. Thus, it evokes a question: Is the market becoming saturated for Islamic finance? This study aims to determine the factors that affect the market share of Islamic banks in Indonesia. With a focus on four main items, Islamic banking regulations, Islamic banking inclusion and literacy are still low from conventional banks, Islamic banking still does not have sufficient capital and the number and quality of Human Resources (HR) that are inadequate. This study uses an analytical descriptive study is to describe and analyzed data obtained based on primary and secondary data. While the method used is normative and focused on the study of literature, which is then analyzed qualitatively juridical.
The Role of Islamic Economics in Overcoming Economic Inequality and Realizing Development in Indonesia Delia Desvianti; Mardiana Safitri; Serliana; Zulfikar Hasan
Al-Fadilah: Islamic Economics Journal Vol. 2 No. 1 (2024): Potential and Innovation in Islamic Economic
Publisher : Penerbit Hellow Pustaka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61166/fadilah.v2i1.16

Abstract

Islamic economic development does not only measure the level of prosperity in the world, but is much more important than that, namely how prosperity will be in the afterlife. Economic inequality is a serious problem faced in many countries, including Indonesia. The application of Islamic economics can be a solution to overcome this problem with the principles of justice and fair distribution. Even though in Indonesia, Islamic economics is increasingly gaining attention with government initiatives and sharia financial institutions, there are still challenges such as a lack of understanding, regulations and policies that support the comprehensive development of Islamic economics. Research on the role of Islamic economics in overcoming economic inequality and realizing development in Indonesia is important to provide a deeper understanding of the implementation of Islamic economics and the steps that need to be taken for inclusive and sustainable development. The research method used in making this journal is the data selection method. Namely carrying out a systematic search for various journals relevant to the research topic using data analysis such as Google Scholar. In conclusion, the implementation of Islamic economics can be a sustainable and fair solution to overcome economic inequality. By applying the principles of justice, sustainability and transparency in economic practices, Indonesia can create a more just and sustainable society and achieve inclusive and sustainable development goals.
Analysis of Consumption and Productivity Patterns in Islamic Economics Aiza Zulmairoh; Nur Umida; Yuliana; Zulfikar Hasan
Al-Fadilah: Islamic Economics Journal Vol. 2 No. 1 (2024): Potential and Innovation in Islamic Economic
Publisher : Penerbit Hellow Pustaka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61166/fadilah.v2i1.21

Abstract

Analysis of consumption and productivity patterns in the Islamic economy provides an in-depth understanding of how religious principles influence economic governance. Consumption in the Islamic economy is emphasized on the principles of justice, blessing and social responsibility, while productivity is directed at creating sustainable added value. Internal factors such as religion, culture, education, and economic status, as well as external factors such as price, product availability, government policies, and globalization, influence the consumption patterns and productivity of Muslim communities. Analysis based on Islamic economic principles shows the importance of practicing values ​​such as halal and haram, fairness and justice, moderation, and social welfare in economic activities to create a sustainable and ethical economy in Muslim society. based on sharia principles that are fair, sustainable , and oriented towards the welfare of the people. In conclusion, this analysis provides a comprehensive view of how Islamic economics can play an important role in shaping consumption and productivity patterns that benefit individuals, society and the environment.
Theoretical Analysis of the Effectiveness of the Sharia Financial System in Facing the Global Economic Crisis Trisna Eka Sari; Melisa; Seri Wahyuni; Zulfikar Hasan
Rihlah Iqtishad: Jurnal Bisnis dan Keuangan Islam Vol. 1 No. 2 (2024): Islamic Business and Financial Innovation
Publisher : Penerbit Hellow Pustaka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61166/rihlah.v1i2.19

Abstract

This research theoretically examines the effectiveness of the Islamic financial system in dealing with the global economic crisis. This study discusses economic theory, principles, characteristics, influence, comparison, experience, innovation and challenges in the Islamic financial system. Through a qualitative approach by conducting theoretical analysis of literature related to the Islamic financial system and the global economic crisis. The results of this research show that the Islamic financial system has great potential to become an attractive option in facing global economic challenges. By strengthening the foundation of sharia principles, developing appropriate innovations, and overcoming existing challenges, the sharia financial system can continue to develop and make a significant contribution to global financial stability and inclusion. This research confirms that the Islamic financial system, with its basic principles such as the prohibition against usury and excessive speculation, as well as the emphasis on real asset-based transactions, offers a more stable and fair alternative compared to the conventional financial system. The profit sharing principle shows the ability to reduce systemic risk by distributing risk more fairly among the parties involved in financial transactions.
Sharia Economic Transformation in the Era of Industrial Revolution 4.0 Muhammad Irfan Syah; Koni Piranda; Muhammad Rizky Anes; Zulfikar Hasan
Rihlah Iqtishad: Jurnal Bisnis dan Keuangan Islam Vol. 1 No. 2 (2024): Islamic Business and Financial Innovation
Publisher : Penerbit Hellow Pustaka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61166/rihlah.v1i2.20

Abstract

.  Industrial Revolution 4.0, marked by technological advances such as artificial intelligence (AI), Internet of Things (IoT), big data, and blockchain, has brought significant changes in various economic sectors, including the sharia economy. Sharia economics, which is based on Islamic principles such as justice, transparency and social responsibility, faces great challenges and opportunities in this digital era. The integration of technology in the sharia economy is important to ensure its relevance and sustainability. This research analyzes the impact of the Industrial Revolution 4.0 on the sharia economy, identifies the necessary transformations, and provides strategic recommendations to overcome existing challenges. The method used is qualitative with document analysis from various primary and secondary sources. The discussion includes the adoption of technology such as blockchain to increase transparency, the use of AI and big data for risk analysis, as well as the development of sharia digital financial products and services. The research results show that technology can increase operational efficiency and sharia financial inclusion, but challenges such as rigid regulations and a lack of technological literacy must be addressed. This research provides in-depth insight into the synergy between technology and sharia principles, and paves the way for sustainable and inclusive innovation in the sharia economy.
iB Dhuha Saving Product Analysis with Wadiah Contract at Bank Riau Kepri Bengkalis Branch Revita Sari; Nur Azlina; Mistari Br Harianja; Norpatiha Norpatiha; Khotimatul Anisa; Zulfikar Hasan
ULIL ALBAB : Jurnal Ilmiah Multidisiplin Vol. 2 No. 5: April 2023
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jim.v2i5.1491

Abstract

The goal of this study is to figure out how to make the first deposit of Hajj iB savings. Dhuha with the system for implementing a wadiah contract on iB hajj savings and a wadiah contract. Dhuha at the Bengkalis Branch of Bank Riau Kepri. The qualitative research method was used to examine the Hajj iB savings product. Dhuha at the Bengkalis Branch of Bank Riau Kepri. This kind of research is field research that uses methods like interviews and documentation to collect data; Customers of the iB Dhuha hajj savings product at the Bank Riau Kepri Bengkalis Branch served as the study's subjects. Initial deposit funds for potential iB Dhuha savings customers at the Bank Riau Kepri Bengkalis Branch were the subject of this study. The Bank Riau Kepri Bengkalis Branch is the population, the Bank Riau Kepri Bengkalis Branch's customer service is the sample, and a structured interview guideline is the measurement scale used in this study. Descriptive qualitative analysis was used in data analysis. The study's conclusions were as follows: in the initial deposit made by customers of iB Hajj savings. Dhuha customers make an initial deposit of at least Rp at the Bank Riau Kepri Bengkalis Branch. 50,000,000, and the customer is free to make additional deposits of a minimum of Rp depending on their ability. up to Rp. 20,000, - 25,000,000.
Development of Syariah Fintech: Challenges and Opportunities in the Digital Economy: Pengembangan Fintech Syariah: Tantangan dan Peluang dalam Ekonomi Digital Hasanah, Riska Ardila; Hasan, Zulfikar; Muhardi, Sona
Al Dzahab Vol. 6 No. 1 (2025): Al Dzahab: Journal of Economics, Management, Business and Accounting
Publisher : Institut Agama Islam Negeri Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/dhb.v6i1.4938

Abstract

Purpose: This study aims to analyze the challenges and opportunities in the development of Sharia Fintech in the digital economy era. Design/methodology/approach: This study employs a library research approach. The researchers identify, evaluate, and analyze literature that discusses Islamic economics, digital technology, and the integration between the two. Findings: The development of Islamic economics in the digital era faces various complex challenges. One of the main challenges is the low level of digital literacy among the target market of Islamic economics. Many individuals and small and medium enterprises (SMEs) have not fully understood or adopted digital technology, which hinders the integration of Islamic economic services with digital platforms. Research implications: The Sharia Fintech industry needs to enhance education and services to make them more accessible to the public. The government also needs to strengthen regulations and infrastructure to support the growth of this sector. Additionally, society must improve digital literacy to fully utilize Sharia Fintech services. Therefore, collaboration between industry, government, and society is crucial in building an inclusive and sustainable Islamic financial ecosystem in the digital era.
Foreign Exchange Transactions in the Perspective of Islamic Economics Hasan, Zulfikar
The Es Economics and Entrepreneurship Vol. 1 No. 03 (2023): The Es Economics And Entrepreneurship (ESEE)
Publisher : Eastasouth Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/esee.v1i03.70

Abstract

Judging from its history, the currency has undergone many changes in meaning. Starting from its existence during the barter period to the modern era of money consisting of fiat money and demand deposits. At this time a new term has appeared virtual money. History records that money has developed its meaning, function and value of money. This change automatically has an impact on changes in the law that applies to it. This article uses a qualitative method with a literature study approach. The data presented in this article are sourced from statutory documents, journals, records, and books related to this research. The legal buying and selling of foreign exchange (forex) are permissible, with the following conditions; There is Ijab accompanied by Qabul (there is an agreement to give or receive). As stated in the MUI fatwa that foreign exchange transactions (al-Sharf) are only permitted if there is a need, for example as a precaution and not for speculation (chance) with conditions that have no legal basis.
Analysis of the Implementation of Zakat as a Fiscal Instrument in Supporting Islamic Economic Development in Indonesia Delia Desvianti; Mercy Gusriyani; Suci Hijriyati; Zulfikar Hasan
al-Afkar, Journal For Islamic Studies Vol. 8 No. 2 (2025)
Publisher : Perkumpulan Dosen Fakultas Agama Islam Indramayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31943/afkarjournal.v8i2.1402

Abstract

This study analyzes the implementation of zakat as a fiscal instrument in supporting Islamic economic development in Indonesia. Zakat, as one of the pillars of Islam, has great potential to contribute to economic development and social welfare. In the context of Indonesia, which has the largest Muslim population in the world, effective implementation of zakat can have a significant impact. This study uses a qualitative method with literature study, reviewing various sources including journals, books, research reports, and other relevant literature. The analysis was conducted using an interactive approach to understand the concept of zakat, its potential application as a fiscal instrument, as well as the challenges and opportunities faced. The results of the study indicate that zakat has an important role as a fiscal instrument that can support Islamic economic development in Indonesia. Zakat can function as a source of additional income for the state, help reduce economic and social disparities, and encourage community economic empowerment. However, there are challenges related to regulations, institutions, and lack of public awareness that need to be addressed. Nevertheless, this study identifies great opportunities in the implementation of zakat as a fiscal instrument, along with the enormous potential of zakat in Indonesia and increasing public awareness. By making efforts to overcome existing challenges, zakat can be optimized as an effective fiscal instrument in supporting inclusive and sustainable Islamic economic development in Indonesia.
Co-Authors Ade Rosita Afriyadi Ahmad Azam Sulaiman Ahmad Syukri Aiza Zulmairoh Amelia Ripal Angga Dasma Hendra Anugrah, Resti Arbaia Arbaia Arbaia, Arbaia Asta, Sephia Septiana Bobby Syuhada Bobby Syuhada Daniel Happy Putra Delia Desvianti Dinda Sri Dewi Lestari Disti Marta Rini Endah Dwi Jayanti Feby Syahira Hamdani Hamdani Hasanah, Riska Ardila Ika Kurnia Sofiani Indira, Nur Irda Listiawati Irlina Dewi Irnaldi Irzan Surohman Julia Sukma Kamiluddin Kamiluddin Kamiluddin Kamiluddin Kamiluddin Kamiluddin Kamiludin, Kamiludin Kheqal Fitradinata Khotimatul Anisa Khozinatul Asrori Koni Piranda Linda Astuti, Linda Listiawati, Irda M. Fadil Iqbar Mardiana Safitri Marisna, Diska Sendi Marta Rini, Disti Melisa Melisa Melisa Mercy Gusriyani Mhd Syahrizan Mistari Br Harianja Mohd Helmi Ali Muhammad Fadhli Muhammad Irfan Syah Muhammad Rizky Anes Muhardi, Sona Muslim Muslim Mutia Rosiana Nita Putri Mutia Rosiana Nita Putri Nazri Nor Razinah Binti Mohd. Zain Norpatiha Norpatiha Nur Azlina Nur Azlina Nur Hidayati Nur Indira Nur Indira Nur Indira Nur Umida Nurul Syahira Nurulia Ramadhani Oliv Rezfani Puji Afriyeni Ratiwi, Ratiwi Reni Ayu Anggriani Reno Firdaus Reski Lestari Resti Anugrah Revita Sari Rini, Disti Marta Rino Riyaldi Risma Junita, Risma Riyandi Fatur Nugraha Rosita, Ade Said Rizki Suhendra Saifunnajar Saifunnajar Seri Wahyuni Serliana Sri Ika Mulia Sri Wahyuningsih Suci Hijriyati Supriyadi Surohman, Irzan Susanto, Erik Suzaini Suzaini Suzaini, Suzaini Syahira, Feby Takwa, Wardina Huma Taufik Taufik Trisna Eka Sari Wardina Huma Takwa Wulan Anis Mawati Yuliana Yuliana Yuni Dhea Utari