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From Allocation to Distribution: Are Islamic Banks Effective in Managing Zakat Funds? Maulida, Sri; Sofyan, Muhammad
Management of Zakat and Waqf Journal (MAZAWA) Vol. 7 No. 2 (2025): Management of Zakat and Waqf Journal (MAZAWA)
Publisher : Universitas Islam Negeri Sunan Ampel Sunan Ampel

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/mzw.2025.7.2.138-155

The high potential of zakat funds in Indonesia makes various parties contribute to the collection process. One of them is the Islamic Commercial Bank which also has a role as a recipient and distributor of zakat funds. The purpose of this study was to determine how the effectiveness of the performance of zakat fund management in Islamic Commercial Banks. This study adopts a descriptive qualitative approach. It gathers data on the sources and utilization of zakat funds from the annual reports of ten Islamic Commercial Banks spanning the years 2019 to 2023. To assess financial performance, the study employs two ratio analyses pertinent to Sharia Commercial Bank conditions: the Activity Ratio and the Growth Ratio. This study found that the performance of the Activity Ratio, namely the zakat allocation ratio, is in a good performance position, zakat turnover with a not good performance position, and the average of days zakat outstanding ratio with not good performance results in 2023. Then for the Growth Ratio, both allocation and distribution are both at a not good performance in the final year of the study.

Dampak Sistem Pembayaran Non Tunai terhadap JUB (M1) di Indonesia 2019-2021 Ghalib, Ghalib; Maulida, Sri
Keizai Vol 4, No 1 (2023): Maret-Agustus
Publisher : Universitas Darwan Ali

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56589/keizai.v4i1.376

The aim of this study is to evaluate the impact of non-cash payment instruments such as debit cards, e-money, and credit cards on Money Supply (M1). The research employs multiple linear regression analysis and e-views 9 data analysis tools. The results of this study indicate that debit cards have a positive and significant impact on the Money Supply (M1). In contrast, credit cards negatively and significantly impact the Money Supply (M1). On the other hand, e-money also has a positive and significant impact on the Money Supply (M1). Therefore, the conclusion drawn is that all independent variables in this study have a substantial impact on the Money Supply (M1).

ANALISIS RANTAI PASOK BERAS DI TEBING TINGGI Pratasik, Stralen; Maulida, Sri; Kumajas, Sondy; Kainde, Quido Conferti
Edutik : Jurnal Pendidikan Teknologi Informasi dan Komunikasi Vol. 1 No. 5 (2021): EduTIK : Oktober 2021
Publisher : Jurusan PTIK Universitas Negeri Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53682/edutik.v1i5.2759

Penelitian ini dilakukan untuk mengethui aliran rantai pasok beras di Kota Tebing Tinggi. Metode yang diterapkan pada penelitian ini yaitu metode analisis deskriptif. Objek dari penelitian ini yaitu salah satu penggilingan padi yang akan diteliti tentang rantai pasok dari tempat tersebut. Dalam penelitian ini responden yang diambil adalah responden yang secara aktif melakukan kegiatan rantai pasok, yaitu supplier yang merupakan penyedia bahan baku gabah, distributor adalah penggilingan padi, retail merupakan pedagang pengecer, customers yaitu konsumen, sehingga diharapkan agar dapat memperoleh hasil yang cukup akurat dan representative sesuai dengan tujuan dari penelitian ini, dimana setiap mata rantai tersebut mempunyai perannya masing-masing. Penggilingan beras Hasil Djaya telah menerapkan sistem rantai pasok beras. Terdapat 3 aliran dalam rantai pasok, ketiga aliran tersebut yaitu aliran produk, aliran keuangan dan aliran informasi beras.

Kenyamanan Spiritual Muzaki dalam Pembayaran Zakat secara Tradisional di Kalimantan Selatan Maulida, Sri; Amruzi, Fahmi Al; Hakim, Budi Rahmat; Beik, Irfan Syauqi
Jurnal Kawistara Vol 15, No 2 (2025)
Publisher : Universitas Gadjah Mada

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22146/kawistara.104294

During the Covid-19 pandemic, zakat played a crucial role in mitigating the community’s economicrisks. Although technological developments have encouraged the emergence of digital zakat paymentplatforms, their adoption in South Kalimantan has been relatively slow. Many zakat payers (muzaki) continue to prefer traditional methods of zakat payment. This study aims to understand the reasons behind this preference by examining muzaki’s perceptions, subjective norms,and attitudes, as well as their relation to the spiritual comfort they experience. Using a qualitative approach,data were collected through in-depth interviews with academics, zakat payers, and staff from Zakat Management Organizations (BAZNAS and LAZNAS) in South Kalimantan. The findings reveal that muzaki’s perceptions of traditional zakat payment are driven by several key factors, including proximity to zakatreceiving institutions, deeply rooted habits, ease of implementation, and negative perceptions of digital zakat methods. Muzaki’s subjective norms regarding zakatare shaped by various sources of knowledge, such as digital media, BAZNAS services, government initiatives,print media, banking institutions, self-initiative, family,religious scholars, digital literacy, and peers. Muzaki’s attitudes in the re-actualization of zakat managementare reflected in efforts to explain zakat payment methods at BAZNAS, provide information about zakat institutions,encourage others to pay zakat, and describe zakat distribution and utilization programs. In addition, the study finds that factors influencing muzaki’s decision to pay zakat directly include the perceived importance of akad (contract) in zakat payment, satisfaction, the use of bank accounts, the lack of legal endorsementand socialization from the Indonesian Ulema Council (MUI), as well as limited communication about zakat digitalization, which leads some muzaki to reject digital zakat payments. Theoretically, these findings reinforce the Theory of Planned Behavior, the concept of maslahah in Islamic economics, and the Spiritual Well-being Theory in explaining the interconnectedness of religious values, culture, and spiritual comfort with muzaki behavior. Practically, the results provide insights for zakat institutions to design digitalization strategies that are sensitive to spiritual and local cultural values,ensuring that technological innovation aligns with the preservation of meaningful religious practices.

Investigating the Viability of the Charity Based Model of Islamic Microfinance for Eradicating the Impact of Covid-19 on Social Wellbeing in Nigeria: A Discriptive Analysis Maikabara, Abdullateef Abdulqadir; Aderemi, Abdulmajeed M.R.; Maulida, Sri
Journal of Islamic Economics Perspectives Vol. 2 No. 1 (2020): September (2020) Journal of Islamic Economics Perspectives
Publisher : Faculty of Islamic Economics and Business, State Islamic University of Kiai Haji Achmad Siddiq Jember, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35719/jiep.v2i1.28

The coronavirus known as (Covid-19) pandemic has posed a significant impact on social and economic sectors as many institutions and individuals face difficulties in meeting their needs. Over the years, Islamic microfinance has shown positively significant effects on socio-economic development. Recently, it is gaining strong momentum in the financial ground in Nigeria. The research aims to examine the perception of Islamic microfinance on social wellbeing as a relief measure to eradicate the impact of Covid-19. A total of 100 respondents were involved, and descriptive statistical analysis was used to measure the perception. The findings revealed that the charity-based model is viable for relieving the people' social wellbeing. The paper recommended proactive and constructive measures in implementing the model to generate fund for fighting against the outbreak and ensure social stability.

Kenyamanan Spiritual Muzaki dalam Pembayaran Zakat secara Tradisional di Kalimantan Selatan Maulida, Sri; Amruzi, Fahmi Al; Hakim, Budi Rahmat; Beik, Irfan Syauqi
Jurnal Kawistara Vol 15, No 2 (2025)
Publisher : Universitas Gadjah Mada

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22146/kawistara.104294

During the Covid-19 pandemic, zakat played a crucial role in mitigating the community’s economicrisks. Although technological developments have encouraged the emergence of digital zakat paymentplatforms, their adoption in South Kalimantan has been relatively slow. Many zakat payers (muzaki) continue to prefer traditional methods of zakat payment. This study aims to understand the reasons behind this preference by examining muzaki’s perceptions, subjective norms,and attitudes, as well as their relation to the spiritual comfort they experience. Using a qualitative approach,data were collected through in-depth interviews with academics, zakat payers, and staff from Zakat Management Organizations (BAZNAS and LAZNAS) in South Kalimantan. The findings reveal that muzaki’s perceptions of traditional zakat payment are driven by several key factors, including proximity to zakatreceiving institutions, deeply rooted habits, ease of implementation, and negative perceptions of digital zakat methods. Muzaki’s subjective norms regarding zakatare shaped by various sources of knowledge, such as digital media, BAZNAS services, government initiatives,print media, banking institutions, self-initiative, family,religious scholars, digital literacy, and peers. Muzaki’s attitudes in the re-actualization of zakat managementare reflected in efforts to explain zakat payment methods at BAZNAS, provide information about zakat institutions,encourage others to pay zakat, and describe zakat distribution and utilization programs. In addition, the study finds that factors influencing muzaki’s decision to pay zakat directly include the perceived importance of akad (contract) in zakat payment, satisfaction, the use of bank accounts, the lack of legal endorsementand socialization from the Indonesian Ulema Council (MUI), as well as limited communication about zakat digitalization, which leads some muzaki to reject digital zakat payments. Theoretically, these findings reinforce the Theory of Planned Behavior, the concept of maslahah in Islamic economics, and the Spiritual Well-being Theory in explaining the interconnectedness of religious values, culture, and spiritual comfort with muzaki behavior. Practically, the results provide insights for zakat institutions to design digitalization strategies that are sensitive to spiritual and local cultural values,ensuring that technological innovation aligns with the preservation of meaningful religious practices.

ZAQAH PROFESSION, OIL PALM PLANTS, AND COAL Maulida, Sri
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 1 No 2 (2019): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v1i2.195

In the Qur’an the word ‘zakat’ is repeatedly mentioned, and it is always followed by the word ‘sholat’. It shows that Muslims have obligations not only limited to sholat, but also to zakat. There are many debates about zakat fitrah and zakat mal relating to legal matters and number of zakah. There are also many differences of opinion regarding to zakat profession, oil palm plants, and coal, so that the research needs to be conducted on this topic. It is interesting to be discussed because of the huge potential of oil palm plants and coal in South Kalimantan. In this research, the methods which are used are descriptive, comparative, deductive, and inductive. Based on the discussion in this article, it can be concluded that zakat profession is spesific characteristic of the verse purpose “....the good things which you have earned...” (Al-Baqarah: 267) and “Take alms of their wealth....” (AtTaubah: 103). Moreover, there is also the verse of Al-Baqarah: 267 “...and from that which We have produced for you from the earth....” This verse has spesific purpose from general purpose which is related to zakat of oil palm plants and coal.

Demographics Differences in the Microfinance Clients' Perception Towards Islamic Microfinance: The Case Of Nigeria Maikabara, Abdullateef Abdulqadir; Aderemi, Abdulmajeed M.R; Maulida, Sri
Li Falah: Journal of Islamic Economics and Business Vol. 5 No. 2 (2020): December 2020
Publisher : Institut Agama Islam Negeri Kendari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31332/lifalah.v5i2.2260

This paper investigates the different perceptions of microfinance clients' demographic characteristics towards Islamic microfinance. The convenience sampling technique was adopted to select the study sample to collect data from the microfinance clients' beneficiaries in Kwara state. Four hundred data were obtained and analyzed on SPSS Version 25 using descriptive analysis, independent sample t-test, and one-way ANOVA. The findings indicate a statistically significant difference in the microfinance beneficiaries' perception of their demographic region, age, marital status, religion, and education level.

PEMBUATAN PROTOTIPE SISTEM PENCATATAN DIGITAL DI LEMBAGA AMIL ZAKAT PERGURUAN TINGGI Meidy Nur Hafidz, Muhammad; Maulida, Sri; Karimah, Husna; Lestari, Haifa; Muhammad Irhmana Husin, Gt.
Jurnal Pengabdian Masyarakat (Z-COVIS) Vol. 1 No. 1 (2025): Jurnal Pengabdian Masyarakat (Z-COVIS)
Publisher : Penerbit Az-Zahra Media Society

Show Abstract | Download Original | Original Source | Check in Google Scholar

Pengelolaan zakat yang akuntabel dan terdokumentasi dengan baik merupakan prasyarat penting dalam menjaga kepercayaan muzakki dan efektivitas distribusi kepada mustahik. Namun, banyak lembaga amil zakat di lingkungan perguruan tinggi belum memiliki sistem pencatatan digital yang sederhana, sistematis, dan mudah digunakan. Kegiatan pengabdian ini bertujuan untuk merancang dan mengimplementasikan sistem pencatatan zakat berbasis AppScript dan Google Sheet di Rumah Amal ULM sebagai lembaga zakat kampus. Tim pengabdian merancang template sistem, melakukan pelatihan, dan mendampingi proses implementasi saat peresmian lembaga. Sebanyak 4 orang pengurus Rumah Amal ULM dilatih menggunakan sistem ini, mulai dari pencatatan transaksi hingga pembuatan laporan bulanan. Evaluasi dilakukan melalui observasi dan asesmen praktik penggunaan sistem. Hasil menunjukkan peningkatan keterampilan teknis rata-rata sebesar 49,7% dan sistem dinilai mudah digunakan serta meningkatkan efisiensi dan transparansi pengelolaan. Kegiatan ini menjadi model awal sistem pencatatan digital sederhana yang dapat direplikasi di lembaga zakat kampus lainnya.

FAKTOR-FAKTOR YANG MEMPENGARUHI INDEKS SAHAM SYARIAH INDONESIA (ISSI) DALAM JANGKA PANJANG DAN JANGKA PENDEK TAHUN 2019-2023 Norlatifah, Norlatifah; Maulida, Sri
Diponegoro Journal of Islamic Economics and Business Vol 5, No 2 (2025): Desember
Publisher : Fakultas Ekonomika dan Bisnis, Universitas Diponegoro, Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14710/djieb.26826

This study analyzes the factors influencing the Indonesia Sharia Stock Index (ISSI) in the long and short term during 2019–2023. The variables are grouped into internal factors (inflation, BI Rate, gold prices, and exchange rates) and external factors (The Fed interest rate, FTFBMHS, FTDQAS, and world oil prices). Using secondary data and the Vector Error Correction Model (VECM), the findings show that in the first model, inflation has a significant positive impact, while the BI Rate has a significant negative impact on ISSI in the long term. Exchange rates positively affect ISSI, while gold prices show no significant impact in either the long or short term. In the second model, FTFBMHS positively affects ISSI, whereas FTDQAS negatively influences ISSI in the long term. In the short term, The Fed interest rate and world oil prices exhibit a significant negative impact on ISSI.

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