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REFLEKSI PERBANKAN DIGITAL DAN AKUNTABILITAS ZAKAT Â PERBANKAN SYARIAH DI INDONESIA Utami, pertiwi
DIKTUM: Jurnal Syariah dan Hukum Vol 17 No 2 (2019): DIKTUM: JURNAL SYARIAH DAN HUKUM
Publisher : Fakultas Syariah dan Hukum Islam Institut Agama Islam Negeri (IAIN) Parepare

ABSTRACT Digital banking and the accountability of good zakat can increase interest in paying zakat on the benchmarking of sharia. On the other hand, technological advances such as the use of artificial intelligence make the role of human resources shifted. Even though human resources (labor) are one of the potential sources of zakat revenue. Zakat literacy and interest in paying zakat are also low in Islamic banking. The researcher did not find zakat data in statistical reports on Islamic banks nationally. It seems that it was only found in the presentation of reports about the sources and uses of private Islamic bank zakat funds. This can lead to the perception that Islamic banks do not optimally manage zakat. Through literature studies, researchers provide a solution to how zakat management can be done to increase interest in paying zakat but can still maintain the use of human resources (work). The conclusion obtained is that interest in paying zakat on Islamic banks cannot be maximally realized if it is not supported by internal efforts. Efforts that can be made are transparency of zakat reports, increased literacy, acceleration and optimization of digital management of Islamic bank zakat.

The Effect Digitalization Zakat Payment Against Potential of Zakat Acceptance in National Amil Zakat Agency Utami, Pertiwi; Suryanto, Tulus; Nasor, M.; Ghofur, Ruslan Abdul
IQTISHADIA Vol 13, No 2 (2020): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v13i2.7809

The purpose of this study was to determine the effect of digitalization zakat payments on the potential for zakat acceptance at the BAZNAS Jakarta center. The originality of this research lies in the digitalization analysis of zakat payments to increase the potential for receiving BAZNAS center based on sharia economic approaches, and digital technology theory. The research method used is associative quantitative using a simple linear regression analysis technique with a sample size of 170 respondents selected based on purposive sampling technique. From the results of data analysis using SPSS 19.0, an R-value of 74.8% was obtained, which means that the relationship between the digitalization of zakat payments and the potential for receiving zakat at the BAZNAS is strong. Â The findings show that the digitalization variable of zakat payment or zakat payment (X) influences the potential for zakat receipt (Y) of 55.9%, and the remaining 40.1% is influenced by other factors not considered. Based on the results of deepening between the theory and practice of digital zakat revealed that the challenges in efforts to increase the potential for digital zakat acceptance in Indonesia are internet access which is still weak and uneven in Indonesian territory, building an 'attachment' relationship between mustahiq, muzzaki and BAZNAS, and the application of principles of sharia in the management of zakat. Therefore, the research explains the strategies that can be done to answer the challenges of digital zakat.

The Effect Digitalization Zakat Payment Against Potential of Zakat Acceptance in National Amil Zakat Agency Utami, Pertiwi; Suryanto, Tulus; Nasor, M.; Ghofur, Ruslan Abdul
IQTISHADIA Vol 13, No 2 (2020): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v13i2.7809

The purpose of this study was to determine the effect of digitalization zakat payments on the potential for zakat acceptance at the BAZNAS Jakarta center. The originality of this research lies in the digitalization analysis of zakat payments to increase the potential for receiving BAZNAS center based on sharia economic approaches, and digital technology theory. The research method used is associative quantitative using a simple linear regression analysis technique with a sample size of 170 respondents selected based on purposive sampling technique. From the results of data analysis using SPSS 19.0, an R-value of 74.8% was obtained, which means that the relationship between the digitalization of zakat payments and the potential for receiving zakat at the BAZNAS is strong. Â The findings show that the digitalization variable of zakat payment or zakat payment (X) influences the potential for zakat receipt (Y) of 55.9%, and the remaining 40.1% is influenced by other factors not considered. Based on the results of deepening between the theory and practice of digital zakat revealed that the challenges in efforts to increase the potential for digital zakat acceptance in Indonesia are internet access which is still weak and uneven in Indonesian territory, building an 'attachment' relationship between mustahiq, muzzaki and BAZNAS, and the application of principles of sharia in the management of zakat. Therefore, the research explains the strategies that can be done to answer the challenges of digital zakat.

ANALISIS SWOT PASAR MODAL SYARIAH SEBAGAI SUMBER PEMBIAYAAN DI INDONESIA Basrowi, Basrowi; Utami, Pertiwi; Anggraeni, Erike; Nasor, Muhammad
El-Jizya : Jurnal Ekonomi Islam Vol 8 No 2 (2020): el-Jizya : Jurnal Ekonomi Islam
Publisher : Fakultas Ekonomi dan Bisnis Islam (FEBI), Institut Agama Islam Negeri (IAIN) Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/ej.v8i2.3957

The purpose of this study is to provide a literature review of the problems currently faced by Islamic Capital Markets, given that Islamic capital market products have not been used significantly as a source of financing outside of Islamic Banks. Whereas the opportunity as an alternative source of funding is quite large, especially because of the potential of the majority of Indonesian Muslims. The method used in this study is the literature method based on the most up-to-date reading sources from books and journals. Data analysis methods used are SWOT analysis so that it is expected to find the right strategic solution for using the Islamic capital market as a source of financing outside the bank. The results of the analysis indicate that the use of Islamic capital market products has a positive force by continuously maintaining its existence. Its superiority is influenced by its activities which avoid Maghrib (Maysir, haram, usury and gharar). The impact is very significant on environmental empowerment or 'green economy' because it indirectly prohibits the practice of destroying natural resources for stakeholder actors. The disadvantage is the large number of human resources in the Islamic Capital Market who are unable to use sophisticated technology appropriately and optimally. Opportunities come from technological developments and increasing public financial literacy on the Islamic capital market. The obstacle is that there is a high risk due to external factors, namely political, economic, socio-cultural changes that must be watched because there is always no certainty about it.

Innovations in the Management of Zakat in Indonesia in Increasing Entrepreneurial Interest and Poverty Reduction Utami, Pertiwi; Basrowi, Basrowi; Nasor, Muhammad
IJISH (International Journal of Islamic Studies and Humanities) Vol 4, No 1 (2021): April
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26555/ijish.v4i1.1960

The purpose of this study is to propose the management of BAZNAS which could become one of the role models of digital zakat because it is quite successful in managing zakat and the use of digital technology to create the interests of the people. Literature studies are used to reveal the use of digital technology in BAZNAS and how to develop digital entrepreneurship in the future. Findings from the results of the study revealed that the BAZNAS digital zakat program can reduce poverty due to empowering mustahik through digital entrepreneurship and digital technology innovation in the form of rice atm. Other digital technology implementations are digitizing zakat payments, application-based digital information technology services for muzzaki, and blockchain (i-zakat) in managing digital zakat. For the development of digital entrepreneurship, the role of government, universities, and BAZNAS must be able to work well together. The BAZNAS Model digital zakat program can be a useful reference for global zakat managers in improving digital entrepreneurial practices and zakat distribution innovation. The implications of this research are the results of observations on the practice of using BAZNAS digital zakat technology in the management of zakat based on a theoretical basis using an Islamic economic approach.

Sharia Marketing Mix: A Model of Digital Marketing Management Strategy of Zakat Utami, Pertiwi; Basrowi, Basrowi
Mabsya: Jurnal Manajemen Bisnis Syariah Vol 3 No 1 (2021): Mabsya: Jurnal Manajemen Bisnis Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri (IAIN) Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/mabsya.v3i1.4688

Zakat institutions make a variety of new innovations and accelerations in terms of management strategies to improve zakat management. Getting support from Government Regulations and DSN MUI Fatwa regarding the use of IT is certainly a motivation for zakat institutions to increasingly actively develop technology-based services. IT is one of the main focuses of the marketing strategy to increase muzaki's interest in distributing zakat through online zakat services. But in the middle of the community it seems that the presence of digital zakat services still requires a long process of obtaining 'postioning'. In addition, the use of technology must also be more careful, especially because of the negative impact it has. Sharia marketing mix offers strategy management based on sharia principles which in its development is dominated by contemporary fiqh studies. The research aims to provide a literature review on the collaboration of sharia marketing mix and digital marketing zakat. An interesting study considering there are still few studies that reveal a combination of both. Sharia marketing mix present offers management strategies that conventional marketing mix lacks. The results of the literature review state that sharia marketing mix has a special advantage in filtering the negative impact of the use of technology compared to the marketing mix which has been widely used by companies, financial institutions and non-banks.

MODEL E-MARKETING BERBASIS FINTECH SYARIAH BERDASARKAN TINJAUAN LINGKUNGAN EKSTERNAL DAN INTERNAL UNTUK PENGEMBANGAN WISATA HALAL DI INDONESIA Utami, Pertiwi; Fauzi, Fauzi; Sanusi, Anuar; Basrowi, Basrowi
JURNAL SYARIKAH : JURNAL EKONOMI ISLAM Vol. 6 No. 1 (2020): Jurnal Syarikah
Publisher : Program Studi Ekonomi Islam FEI UNIDA Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30997/jsei.v6i1.2157

Tujuan penelitian ini adalah untuk menyusun model e-marketing berbasis fintech yangdapat mengembangkan industry pariwisata halal di Indonesia. Penelitian ini menggunakanpendekatan kualitatif dan dilakukan dengan studi literatur. Berdasarkan tinjauan literatur,kemungkinan besar E-Marketing berbasis fintech syariah dapat mendukung perkembanganwisata halal, kesejahteraan masyarakat melalui UMKM, dan meningkatkan minat kunjunganwisata halal di Indonesia. Namun, nampaknya sejauh ini perkembangan PariwisataIndonesia masih belum siap untuk melakukan akselerasi di Sektor Pariwisata khususnyapenggunaan E-marketing berbasis Fintech Syariah

IMPROVING LITERACY AND UNDERSTANDING OF SHARIAH ECONOMICS FOR INDONESIAN MIGRANT WORKERS IN PENANG Khulsum, Umi; Utami, Pertiwi; Zuhriyah, Nur Azizah; Basrowi, Basrowi; Yunos, Melinda Siti Asmah Binti
International Journal of Engagement and Empowerment (IJE2) Vol. 4 No. 2 (2024): International Journal of Engagement and Empowerment
Publisher : Yayasan Education and Social Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53067/ije2.v4i2.169

Partners in implementing this international community service activity are Indonesian migrant workers from Penang Island and the Consulate General of the Republic of Indonesia (Consulate General of the Republic of Indonesia) Penang. The primary challenge confronting the partners is the low literacy and comprehension of sharia economic and financial practices and the utilization of digital technology in everyday life. This program was conducted at Wisma Indonesia, George Town, Penang, Malaysia. A total of 50 Indonesian migrant workers participated in the enrichment activities performed by the community service team in June 2024. The objective of the enrichment program, which is performed over a single day, is to facilitate comprehension of the tenets and practices of Islamic economics and finance among the partners. The program covers a range of topics, including but not limited to the principles of buying and selling, the operational aspects of Sharia banking, the managerial techniques associated with Sharia marketing, the intricacies of ZISWAF, the ethical considerations inherent to Islamic business practices, the fundamental principles of sharia investment, and the potential applications of digital technologies within the context of the sharia economy. It is evident that there is a pressing need for Indonesian migrant workers, the majority of whom are Muslim, to enhance their literacy and comprehension abilities. It is particularly crucial given that the topics have been selected according to their needs before the speakers arrive to provide the material. Following implementing the focus group discussion method, most migrant workers expressed satisfaction and appreciation for the activity, citing its effectiveness in facilitating their comprehension of authentic Sharia economic and financial practices. Additionally, using digital technology based on Sharia principles was identified as a valuable learning opportunity for migrant workers, enabling them to develop their careers while working in Malaysia. Implementing initiatives aimed at enhancing literacy and comprehension capacity represents an effort by Islamic universities to contribute to enhancing the competencies of Indonesian migrant workers in Malaysia. It is hoped that this can be implemented on a sustainable basis

Pemberdayaan Peladang dalam Peningkatan Kompetensi dan Strategi Bisnis di Kawasan Seri Pulau, Penang, Malaysia Risna, Meilia; Zuhriyah, Nur Azizah; Khulsum, Umi; Utami, Pertiwi; Basrowi; Md. Yusoff, Mohd Sukor bin Md. Yusoff; Nabela, Erick
AJAD : Jurnal Pengabdian kepada Masyarakat Vol. 4 No. 2 (2024): AUGUST 2024
Publisher : Lembaga Mitra Solusi Teknologi Informasi (L-MSTI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59431/ajad.v4i2.343

The partners in this international community service program are representatives of farmers who are members of the Regional Farmers Association (PPK) Seri Pulau Pinang, Malaysia. The issues that partners have identified as requiring attention are as follows: (1) There is a lack of understanding among partners of how to improve existing competencies in order to develop a business; (2) There are no business strategy seminars conducted by international universities with the specific aim of empowering farmers; (3) There is no forum for discussion between academics and business actors. The aforementioned partner problem was addressed through the implementation of three proposed solutions, namely: (1) the organization of high-quality competency improvement seminars for farmers; (2) the organization of an international community service seminar for farmers in collaboration with PPK, UiTM Cawangan Pulau Penang, and 12 Indonesian universities that are members of the ASEAN Academic Association; and (3) the establishment of discussion forums at PPK Seri Pulau Penang and several business centers for farmers.

Development of Waqf from an Islamic Perspective through the Land Professional Society of Malaysia in an Effort to Increase Waqf Literacy Abdullah, Putri Allana; Omar, Ismail Bin; Abdullah, Iqbal Alan; Utami, Pertiwi; Zuhriyah, Nur Azizah; Monalysa, Lita; Basrowi; Satriawan, Dedi; Widiawati, Septi
AJAD : Jurnal Pengabdian kepada Masyarakat Vol. 4 No. 2 (2024): AUGUST 2024
Publisher : Lembaga Mitra Solusi Teknologi Informasi (L-MSTI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59431/ajad.v4i2.353

Partners for this International Community Service activity are the Malaysian Land Professional Association (PERTAMA) community and also lecturers from various universities in Malaysia and Indonesia. The partners' problems are: 1) Community waqf literacy still needs to be improved, 2) Community participation in waqf still needs to improve, 3) The use of social media to disseminate information about waqf development still needs to be improved, and 4) Cooperation between institutions related to efforts to increase waqf literacy still needs to be improved. Based on these three problems, the solutions included: 1) Efforts to increase waqf literacy through discussions on waqf development, 2) Carrying out seminars on increasing community participation, especially in this activity, namely community members and lecturers, 3) Promote social media to disseminate waqf information and increase waqf literacy, and 4) Collaborating with PERTAMA to convey the waqf literacy message. A qualitative approach was used for data collection using the discussion group forum method. After the implementation of the activities, several changes occurred as follows: 1) The participants know the importance of developing waqf and the law regarding waqf, 2) The participants know about various training programs for waqf development, 3) Participants can understand how to use multiple social media to support increasing waqf literacy, and 4) Establishing collaboration/partnerships with PERTAMA communities to support the Zakat literacy program. This international community service activity successfully supported efforts to increase waqf literacy for academics from various universities and PERTAMA members in Malaysia.

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