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All Journal Ulul Albab: Jurnal Studi Islam Jurnal MD Istinbath: Jurnal Hukum dan Ekonomi Islam Empiricism Journal Share: Jurnal Ekonomi dan Keuangan Islam Alhiwar: Jurnal Ilmu dan Teknik Dakwah Akademika : Jurnal Pemikiran Islam Journal of Islamic Economics Lariba Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah
Bonang, Dahlia
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Religion Arts Humanities Chemistry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences Other

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THE EFFECT OF TRUST, BRAND AWARENESS, AND SOCIAL PIETY IN DONATION DECISIONS THROUGH DIGITAL PLATFORMS Bonang, Dahlia; Baihaqi, Muhammad
Ulul Albab: Jurnal Studi Islam Vol 23, No 2 (2022): Islamic Law and Economic
Publisher : Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ua.v23i2.17596

Abstract

This article identifies the effect of trust, brand awareness, and social piety before doing donation using the Fintech platform. Therefore, this explanatory research examined the influence of four variables. The data were collected through a purposive sampling technique involving 250 societies across Lombok Island as respondents, as well as applying a case study approach. The data analysis technique is implemented through SEM (Structural Equation Modelling). The article shows a positive and significant impact among trust, brand awareness, and social piety in donation decisions through the fintech platform. However, brand awareness and trust do not affect social piety. Hence, this article recommends the fundraising institutions that actively collect funds through fintech platforms to always prioritize the openness principle in managing public funds. A transparent attitude can increase public trust to utilize the platform whenever they want to channel funds spontaneously.
Applying the principle of 'la tazlimuna wa la tuzlamun' to al-qardh loan repayment after currency inflation‎ Baihaqi , Muhammad; Bonang, Dahlia
Journal of Islamic Economics Lariba Vol. 11 No. 1 (2025)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol11.iss1.art11

Abstract

IntroductionIn the current fiat monetary system, inflation can severely diminish the value of money, causing injustice in long-term loan repayments. Within the Islamic economic framework, this raises significant concerns for al-qardh contracts—benevolent, interest-free loans—where delayed repayment may lead to harm for either the lender or borrower. The concept of la tazlimuna wa la tuzlamun (do not wrong others, nor be wronged) offers a moral foundation to seek fair and balanced repayment solutions in such contexts.ObjectivesThis study investigates how Islamic principles, particularly the notion of la tazlimuna wa la tuzlamun, can be applied to ensure justice in repaying al-qardh loans after currency inflation. The research aims to identify repayment models that uphold the lender’s rights without imposing undue burden on the borrower.MethodEmploying a normative and descriptive library research method, this study examines primary sources such as the Qur’an, Hadith, and classical Islamic jurisprudence, alongside contemporary scholarly works on Islamic economics and monetary systems. A thematic analysis was used to identify fair repayment mechanisms rooted in Islamic legal reasoning and public interest principles.ResultsThe study proposes several alternatives to address the injustice caused by currency devaluation, including adjusting loan values to the price of gold and silver, pegging debts to stable foreign currencies, applying inflation-based indexation, and discouraging hoarding behavior that exacerbates price instability. While the use of interest rates was explored, it was ultimately rejected by most Islamic scholars. The return to a gold-silver standard is presented as a long-term ideal to restore monetary fairness.ImplicationsThe findings offer practical guidance for Islamic financial ethics, suggesting the need for a formal fatwa to regulate fair debt repayment post-inflation. This guidance could extend beyond financial institutions to protect individuals and communities in inflationary environments, reinforcing justice and stability in Islamic economic transactions.Originality/NoveltyThis study provides a fresh perspective by integrating Islamic legal, economic, and ethical principles to address inflation-induced injustices in al-qardh repayment. It presents a balanced framework that respects the spirit of Islamic contracts while adapting to modern financial realities.
IMPLEMENTATION OF MULTI-AKAD STRUCTURES IN SHARIA PEER-TO-PEER LENDING PLATFORMS: A STUDY ON LEGAL COMPLIANCE AND INNOVATION IN INDONESIA’S FINTECH ECOSYSTEM Zustika, Anisa Fadilah; Widiastuti, Tika; Bonang, Dahlia
istinbath Vol. 24 No. 1 (2025): June
Publisher : Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/ijhi.v24i1.913

Abstract

In the era of Society 5.0, the development of digital technology has increasingly influenced Indonesia’s financial sector, particularly through financial technology (fintech). This study explores the implementation of multi-akad (multiple contract structures) in Sharia Peer-to-Peer (P2P) Lending platforms in Indonesia. Using a qualitative case study method supported by in-depth interviews and documentation, the study identifies and analyzes contract types such as Qardh, Wakalah bil Ujrah, and Mudharabah Mutlaqah as applied within P2P lending schemes. Findings show that multi-akad practices, specifically categorized under al-‘Uqud al-Mujtami’ah, not only support Sharia compliance but also demonstrate innovation in adapting Islamic jurisprudence to contemporary digital finance. The study contributes to regulatory strengthening, offering insights to policymakers, platforms, and stakeholders in developing inclusive and ethical Sharia-compliant fintech ecosystems.
THE IMPACT OF TRUST FACTORS IN IT-BASED PLATFORMS ON ACADEMIC PUBLISHING INTENTIONS IN UNIVERSITY WAQF INSTITUTIONS: STRENGTHENED BY RELIGIOUS AND SOCIOECONOMIC VALUES OF WAQF Machfud, Syafrina; Mawardi, Imron; Bonang, Dahlia
JURNAL MANAJEMEN DAKWAH Vol. 11 No. 1 (2025)
Publisher : UIN Sunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jmd.2025.111.01

Abstract

This study investigates the formation of trust within an Information Technology (IT)-based digital environment and its influence on beliefs, intentions, and behaviors related to academic publishing through University Intellectual Property Waqf Institutions (UIPWI) utilizing Open Access (OA) digital platforms. The research integrates and extends the Theory of Planned Behavior (TPB), Theory of Reasoned Action (TRA), Self-Determination Theory (SDT), Technology Acceptance Model (TAM), and the Theory of Open Access in a quantitative survey design. The sample includes students from Airlangga University and various public and private universities across Indonesia. Data were collected online via WhatsApp group invitations using Google Forms and analyzed with Partial Least Squares Structural Equation Modelling (PLS-SEM). The findings reveal that technological, individual, and social trust determinants positively affect waqif trust in UIPWI operating on OA platforms. Moreover, religious beliefs strengthen the relationship between trust determinants and the intention to publish academic works through UIPWI via gold or green access schemes. This study provides strategic insights for universities planning to establish UIPWI and for stakeholders such as government agencies and the Indonesian Waqf Board (BWI). It also contributes to expanding discourse on the role of credible digital environments in fostering academic publishing through Islamic philanthropic mechanisms. A limitation of this study lies in its relatively small sample size; thus, future research is encouraged to involve larger samples and broader institutional participation to enhance the global generalizability of the findings.
Halal Sport Tourism: Study on Potential, Accessibility, and Management Models in Lombok, West Nusa Tenggara Endraswati, Hikmah; Solihan, Munif; Shofi'unnafi, Shofi'unnafi; Bonang, Dahlia; Kusuma, Bayu Mitra A.
Al-Hiwar Jurnal Ilmu dan Teknik Dakwah Vol. 13 No. 1 (2025): Januari-Juni
Publisher : Fakultas Dakwah dan Ilmu Komunikasi UIN Antasari Banjarmasin

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18592/alhiwar.v13i1.15978

Abstract

The objectives of this research are: (1) To explore the potential and opportunities for Halal Sport Tourism in Lombok to bring in tourists. (2) mapping the fulfillment of facilities and infrastructure in making it easier for tourists to reach locations and activities at Halal Sport Tourism locations in Lombok. (3) Analyzing the participation of tourism actors (stakeholders) in the management of Halal Sport Tourism in Lombok. The method in this study uses a type of qualitative research using a descriptive approach. The results of this study show that the potential for Halal Sport Tourism in Lombok is actually quite large, this is shown by the existence of Sport Tourism Events, Active Sport Tourism, and some nostalgia for Sport Tourism in various places in Lombok. this is also strengthened by the existence of supporting infrastructure such as quite a lot of places of worship, Lombok is also predominantly Muslim so that halal guarantees in every sports tourism area can be ascertained to be halal. In terms of accessibility, accommodation already exists and this is good, this is indicated by the existence of several sharia hotels, then the ease of direct transportation to Muslim countries and regions, as well as guarantees of halal restaurants in the sports tourism area and easy access to purification and worship for tourists. The management model is an illustration of how the concept of Halal Sport Tourism can be developed. Currently, this special tourism interest has not been developed there. However, seeing the existing potential and access, Halal Sport Tourism has the potential to be developed further. Management of existing halal tourism and sports tourism can be integrated as a model for managing Halal Sport Tourism in the future.
Bridging the Gap: Link-and-Match Strategy for Sharia Economics Graduates in Islamic Non-Bank Financial Institutions Rahmawati, Naili; Bonang, Dahlia; Ismail, Shafinar
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 11, No 2 (2025)
Publisher : Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/aij.v11i2.7617

Abstract

Purpose:This study examines the link and match strategy in higher education to bridge the gap between graduates' skills and industry demands, particularly in the Islamic Non-Bank Financial Industry (IKNB Syariah). By adopting Human Capital Theory, this research highlights the importance of aligning university curricula with labor market needs to enhance graduates' employability.Design/Methodology:A qualitative research approach with an inductive methodology was used to explore the effectiveness of link and match policies. Data were collected through semi-structured interviews and focus group discussions (FGD) with 40 respondents, including students, government officials, education experts, and industry practitionersFindings:The study identifies curriculum misalignment, limited industry engagement, inadequate internship programs, and a lack of technology integration as key barriers to the effectiveness of link and match. However, competency-based curricula, industry partnerships, graduate involvement, and digital learning adoption significantly support graduate readiness for the workforcePractical Implications:Strengthening university-industry collaboration, implementing professional certification programs, and integrating technology into learning are crucial strategies to enhance the effectiveness of link-and-match policiesOriginality/Value:This research provides a comprehensive analysis of the link and match strategy in Sharia economics education, emphasizing the role of Islamic finance industry collaboration in improving graduate employability
DETERMINANTS OF ZAKAT COMPLIANCE BEHAVIOR IN URBAN MUSLIM ENTREPRENEURS IN MATARAM CITY WEST NUSA TENGGARA Bonang, Dahlia; Widiastuti, Tika; Yuliatul Hijriah, Hanifiyah; Ismail, Shafinar
AKADEMIKA: Jurnal Pemikiran Islam Vol 28 No 1 (2023)
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat, Institut Agama Islam Negeri Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/akademika.v28i1.6409

Abstract

This study aims to assess determinants of small and medium enterprises (SMEs) owners’ compliance behavior in paying zakat (alms). In addition, the sample population comprised 176 SMEs owners in Mataram City who served as participants. Data were collected through online survey instruments using the purposive sampling method. The testing technique and data analysis were carried out using Structural Equation Modeling (SEM). The results showed that zakat literacy, Islamic egalitarianism, and moral norms influenced intention of SMEs owners to pay zakat, while intention affected compliance behavior. This study was essential for zakat institutions to develop new strategies to facilitate compliance behavior, considering the great potential in Indonesia. In addition, the fair and equitable distribution of zakat funds to asnaf (noun group of people worthy of receiving Muslim tithe) was expected to encourage SMEs owners to fulfill their obligation through zakat institutions by increasing the level of trust.
Determinants of Zakat Compliance among Business Owners in Indonesia Bonang, Dahlia; Baihaqi, Muhammad; Pusparini, Martini Dwi
Share: Jurnal Ekonomi dan Keuangan Islam Vol. 12 No. 2 (2023)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/share.v12i2.16917

Abstract

This study aims to identify the factors that affect the compliance of Indonesian business owners with zakat payments. Data were collected from 205 individuals using a purposive sampling technique through an online survey. The results of the data analysis, conducted using Structural Equation Modeling (SEM), indicate that social piety, zakat literacy, Islamic egalitarianism, and moral norms significantly influence the intentions and compliance of business owners regarding zakat payments. These factors play a crucial role in shaping the intentions and behaviors of business owners concerning their zakat obligations. The findings offer valuable insights for both business owners and policymakers in efforts to improve compliance with zakat payments, which ultimately contributes to economic sustainability and social justice. Business owners can utilize these results to enhance their understanding of zakat obligations, thereby increasing their compliance. For policymakers, the results can serve as a foundation for designing more effective strategies to encourage compliance among business owners, such as implementing zakat literacy programs, socialization activities, and approaches that reinforce the values of egalitarianism and moral norms within the context of zakat.============================================================================================================ABSTRAK – Determinan Kepatuhan Zakat Para Pemilik Bisnis di Indonesia. Penelitian ini bertujuan untuk mengidentifikasi faktor-faktor yang mempengaruhi kepatuhan pemilik bisnis Indonesia dalam membayar zakat. Data dikumpulkan dari 205 individu menggunakan teknik sampling purposif melalui survey online. Hasil analisis data dengan Structural Equation Modeling (SEM) menunjukkan bahwa kesalehan sosial, literasi zakat, egalitarianisme Islam, dan norma moral memiliki pengaruh signifikan terhadap intensi dan kepatuhan pemilik bisnis dalam membayar zakat. Faktor-faktor ini memainkan peran penting dalam membentuk niat dan perilaku pemilik bisnis terkait dengan kewajiban zakat. Temuan ini memberikan wawasan yang berharga bagi pemilik bisnis dan pembuat kebijakan dalam upaya meningkatkan kepatuhan pembayaran zakat, yang pada akhirnya berkontribusi pada keberlanjutan ekonomi dan keadilan sosial. Pemilik bisnis di Indonesia dapat menggunakan hasil kajian ini untuk meningkatkan pemahaman mereka tentang kewajiban zakat, sehingga meningkatkan kepatuhan mereka dalam membayar zakat. Bagi pembuat kebijakan, temuan ini dapat dijadikan sebagai dasar untuk merancang strategi yang lebih efektif yang dapat mendorong kepatuhan pemilik bisnis dalam membayar zakat, seperti program literasi zakat, aktivitas sosialisasi, dan pendekatan yang memperkuat nilai-nilai egalitarianisme dan norma moral dalam konteks zakat.
Pasar Modal Syariah dan Obligasi Syariah: Pilar Investasi Halal di Era Modern Hamidah, Hamidah; Rosyidah, Umu; Bonang, Dahlia
Empiricism Journal Vol. 7 No. 1: March 2026
Publisher : Lembaga Penelitian dan Pemberdayaan Masyarakat (LITPAM)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36312/mfa1m055

Abstract

Penelitian ini bertujuan untuk menganalisis secara konseptual perkembangan pasar modal syariah di Indonesia dengan fokus pada peran strategis obligasi syariah (sukuk) sebagai instrumen investasi halal dan pembiayaan pembangunan berkelanjutan. Penelitian ini menggunakan pendekatan literature review dengan metode analisis tematik terhadap jurnal ilmiah, buku akademik, dan laporan institusional yang relevan hingga tahun 2024. Hasil kajian menunjukkan bahwa pasar modal syariah dan sukuk memiliki kontribusi signifikan dalam memperluas inklusi keuangan, mengurangi ketergantungan pada pembiayaan konvensional, serta mendukung pembiayaan proyek infrastruktur dan lingkungan melalui penerbitan green sukuk. Namun demikian, tantangan utama masih terletak pada rendahnya literasi keuangan syariah dan keterbatasan likuiditas pasar sekunder. Artikel ini menegaskan pentingnya penguatan regulasi, digitalisasi layanan, dan edukasi keuangan syariah sebagai strategi pengembangan pasar modal syariah yang berkelanjutan. Hasil kajian menunjukkan bahwa sukuk memiliki peran penting dalam mendukung pembangunan infrastruktur dan penguatan ekonomi hijau melalui penerbitan green sukuk. Selain memberikan keuntungan yang stabil dan sesuai prinsip syariah, sukuk juga memperluas inklusi keuangan dan mengurangi ketergantungan terhadap pembiayaan konvensional. Namun demikian, tantangan utama masih terletak pada literasi keuangan syariah yang rendah dan likuiditas pasar sekunder sukuk yang belum optimal. Penelitian ini menyimpulkan bahwa penguatan regulasi, digitalisasi layanan, serta peningkatan edukasi dan literasi keuangan syariah merupakan langkah strategis untuk memaksimalkan potensi sukuk sebagai instrumen investasi dan pembangunan. Penelitian selanjutnya disarankan untuk mengeksplorasi efektivitas digitalisasi dalam memperluas inklusi keuangan syariah serta dampak konkret green sukuk terhadap proyek-proyek pembangunan berkelanjutan. Islamic Capital Market and Islamic Bonds: Pillars of Halal Investment in the Modern Era Abstract This study aims to examine the growth of the Islamic capital market in Indonesia, with a particular focus on the strategic role of Islamic bonds (sukuk) as an alternative halal investment and a financing instrument for sustainable development. The background of this study is driven by the increasing awareness of the Muslim community regarding the importance of investments that comply with Sharia principles, along with the development of Sharia-based financial instruments such as the Islamic capital market and sukuk. Using a literature review method, this study analyzes various theories of Islamic finance, market regulations, statistics on the growth of Sharia-compliant investors, and digital innovations in Islamic investment services. The findings indicate that sukuk play an important role in supporting infrastructure development and strengthening the green economy through the issuance of green sukuk. In addition to providing stable returns that comply with Sharia principles, sukuk also expand financial inclusion and reduce dependence on conventional financing. However, the main challenges remain the low level of Islamic financial literacy and the suboptimal liquidity of the secondary sukuk market. This study concludes that strengthening regulations, digitalizing services, and enhancing education and literacy in Islamic finance are strategic steps to maximize the potential of sukuk as instruments for investment and development. Future research is recommended to explore the effectiveness of digitalization in expanding Islamic financial inclusion and the tangible impacts of green sukuk on sustainable development projects.
Co-Authors Baihaqi , Muhammad Hamidah . Hikmah Endraswati, Hikmah Imron Mawardi Ismail, Shafinar Kusuma, Bayu Mitra A. Machfud, Syafrina Martini Dwi Pusparini, Martini Dwi Naili Rahmawati Shofi'unnafi, Shofi'unnafi Solihan, Munif Tika Widiastuti Umu Rosyidah Yuliatul Hijriah, Hanifiyah Zustika, Anisa Fadilah