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All Journal Ulul Albab: Jurnal Studi Islam Khizanah al-Hikmah : Jurnal Ilmu Perpustakaan, Informasi, dan Kearsipan Transformasi: Jurnal Pengabdian Masyarakat EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Jurnal MD J-EBIS (Jurnal Ekonomi dan Bisnis Islam) IQTISHADUNA: Jurnal Ekonomi dan Keuangan Islam Istinbath: Jurnal Hukum dan Ekonomi Islam Indonesian Journal of Islamic Education Studies (IJIES) Empiricism Journal Share: Jurnal Ekonomi dan Keuangan Islam Jurnal Ekonomika Dan Bisnis Alhiwar: Jurnal Ilmu dan Teknik Dakwah Akademika : Jurnal Pemikiran Islam Journal of Social Outreach Journal of Islamic Economics Lariba Sharia Economic and Management Business Journal (SEMBJ) Horizon: Indonesian Journal of Multidisciplinary Jurnal Perbankan Syariah International Journal of Technology and Education Research Indonesian Journal of Islamic Education Studies (IJIES) Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Journal of Educational Studies Muqtasid: Jurnal Ekonomi dan Perbankan Syariah
Bonang, Dahlia
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Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Social Sciences Other

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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.
Transformation Academic Integrity : Literature Review Shift Behavior Gen Z Learning in the Generative AI Era Imam Al Fazari; M Firdaus; Dahlia Bonang
International Journal of Technology and Education Research Vol. 4 No. 02 (2026): International Journal of Technology and Education Research (IJETER)
Publisher : International journal of technology and education research

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63922/ijeter.v4i02.2745

Abstract

Normalization use Generative Artificial Intelligence (Gen-AI) has trigger disruption big in ecosystem education high , especially to pattern behavior Study student Generation Z. Research This aim For dissect transformation behavior Gen Z learning and reconstructing meaning integrity academics in the era of intelligence artificial . Using method studies library research with​​ approach qualitative descriptive research​ This synthesize literature latest and empirical data about Students' digital habits . Research results show existence fundamental shift in pattern behavior Study from method exploratory - manual towards method instant-instructive based prompting . Data shows that ChatGPT dominates usage (57.9%) with activity main look for reference assignment (86%). However , it was found gap ethical where 50.5% of respondents sometimes do copying answer in a way directly , which triggers phenomenon lethargy cognitive and digital dependency (56.1%). Research This conclude that integrity academics in the AI era need defined repeat No just as compliance administrative to tool detection plagiarism , but rather as moral commitment to the dialectical process intellectual and ethical validation . The implications of study This demand existence innovation design more learning​ adaptive to Gen Z's digital characteristics without sacrifice depth think critical .
DETERMINANTS OF ISLAMIC DIGITAL WALLET ACCEPTANCE AMONG URBAN MUSLIM YOUTH: INTEGRATING TAM, TPB, AND RELIGIOSITY Hanifiyah Yuliatul Hijriah; Kafiyla Sekar Sidhi Parahita; Dahlia Bonang; Himmatul Kholidah; Aqilah Nadiah Md Sahiq; Hanif Fadhlillah
AKADEMIKA: Jurnal Pemikiran Islam Vol 31 No 1 (2026)
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.v31i1.11660

Abstract

Islamic digital wallets require distinct scholarly attention from conventional digital wallets because their adoption is not only shaped by technological convenience, but also by religious values, Sharia compliance, and users’ perceptions of Islamic financial practices. However, empirical studies on Islamic e-wallet adoption remain limited, particularly those integrating by integrating the Technology Acceptance Model (TAM), Theory of Planned Behavior (TPB), and religiosity among Muslim youth in urban Indonesia. This research examines the factors that influence the intention of urban Muslim youth to use Islamic digital wallets. Using a quantitative methodology, the study collected data from 100 respondents through purposive sampling. Muslim Generation Z users of Islamic e-wallets in Surabaya City were specifically targeted via an online survey. Data analysis was conducted with multiple linear regression in SPSS Version 29. The results reveal that perceived usefulness, perceived ease of use, religiosity, attitude toward behavior, and perceived behavioral control have a significant and positive effect on the intention to use Islamic e-wallets, while subjective norm shows a significant negative effect on adoption intention. The study asserts that Islamic digital wallet adoption should be understood as a multidimensional phenomenon that combines digital service quality, behavioral intention, and faith-based financial values, with broader implications for strengthening Islamic digital finance and advancing inclusive Sharia-compliant financial services.  
The Role of Collateral Quality in the Resolution Process of Non- Performing Financing at Bank NTB Syariah Husni, Muslihun, Dahlia Bonang
Journal of Educational Studies Vol. 3 No. 3 (2025): Desember
Publisher : Lembaga Bale Literasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58218/jes.v3i3.3589

Abstract

This study analyzes the role of collateral quality in the settlement of non-performing financing at Bank NTB Syariah. The study is motivated by the importance of collateral as a risk mitigation instrument in Islamic banking, which plays a crucial role in determining the success of financing recovery. Using a qualitative case study approach, data were collected through interviews, observation, and documentation involving financing officers and risk management staff and were analyzed through data reduction, data presentation, and conclusion drawing techniques. The findings show that collateral quality significantly influences the effectiveness of non-performing financing settlement. High-quality collateral characterized by clear legal certainty, complete documentation, stable value, and high liquidity can accelerate the settlement process and reduce losses, while weak collateral tends to slow down liquidation and increase financing risk. Several obstacles were identified, including incomplete legal documents, ownership disputes, declining asset values, low market demand for certain assets, and limited collateral appraisal capability. The bank addresses these issues through improved verification processes, inter-unit coordination, periodic valuation, prioritization of restructuring before collateral execution, and staff training. This study concludes that effective collateral quality management is essential to optimize non-performing financing settlement and maintain financing risk stability in Islamic banking.
Integrating Islamic values in geopolitical economy of development finance: Empirical evidence from OIC selected countries in the Asia-Pacific region Syafrina Machfud; Imron Mawardi; Dahlia Bonang
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol. 16 No. 1 (2025): June 2025
Publisher : Faculty of Islamic Economics and Business, UIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/muqtasid.v16i1.18-38

Abstract

Despite extensive literature on external debt and economic growth, the fiscal burden of multilateral debt service and its interaction with Islamic governance principles and multilateral development bank alignment remain empirically underexplored among Organization of Islamic Cooperation member states. This study examines the impact of multilateral debt service on GDP per capita growth across twelve OIC Asia-Pacific member states over 1996 to 2022, focusing on the moderating roles of governance quality, infrastructure investment, technological advancement, and Islamicity Index adherence. Applying System Generalised Method of Moments on an unbalanced panel of 312 country-year observations, results confirm a marginally significant negative short-run effect on growth through productive investment crowding out, with the long-run effect remaining negative and persistent. Infrastructure investment and technological advancement significantly mitigate these effects, while the Islamicity Index produces a marginally significant negative moderatingeffect in both horizons, reflecting structural constraints imposed by the prohibition of riba on conventional debt financing. New Asian Model banks demonstrate the most consistently positive growth outcomes, whereas Islamic-principled banks face persistent challenges reconciling debt obligations with Shariah requirements. These findings call for strategic integration of Shariah-compliant financing instruments, differentiated multilateral development bank engagement, and governance capacity investment across OIC member states
Peran Bank Syariah dalam Menghadapi Ketidakpastian Kebijakan Geopolitik dan Ekonomi: Studi dari Negara-negara OKI Nani Suhartini; Mohamad Ainun Najib; Dahlia Bonang
Jurnal Ekonomika Dan Bisnis (JEBS) Vol. 6 No. 3 (2026): Mei - Juni
Publisher : CV. ITTC INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47233/jebs.v6i3.4694

Abstract

The increasing global geopolitical tensions, economic policy uncertainty, oil price volatility, and post-pandemic economic instability have created significant challenges for the Islamic banking industry, particularly in Organization of Islamic Cooperation (OIC) countries. This study aims to examine the influence of geopolitical risk (GPR), economic policy uncertainty (EPU), world oil prices (WTI), inflation, and economic growth (GDP) on the profitability of Islamic banks measured by Return on Assets (ROA). This research employs a quantitative approach using balanced panel data from 20 Islamic banks across 10 OIC countries during the 2020–2024 period, consisting of 100 observations. Data were collected from annual reports, Bloomberg, World Bank, U.S. Energy Information Administration (EIA), Caldara and Iacoviello’s GPR Index, and Baker et al.’s EPU Index. The analysis method uses panel data regression through Common Effect Model (CEM), Fixed Effect Model (FEM), and Random Effect Model (REM), with model selection conducted using Chow, Hausman, and Lagrange Multiplier tests.The results show that REM is the most appropriate model. Geopolitical risk and inflation have a positive and significant effect on ROA, while world oil prices negatively and significantly affect ROA. Meanwhile, EPU and GDP growth do not significantly influence Islamic bank profitability.This study implies that Islamic banking demonstrates relatively strong resilience against global uncertainty due to its asset-backed financing and risk-sharing principles, thereby strengthening the role of Islamic finance as a stabilizing force in the financial system of OIC countries.
The Effect Of Halal Certification, Social Media And Consumer Awareness On Gen Z's Interest In Buying Halal Cosmetics In Plampang District Fadlia Galib; Dahlia Bonang
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 14 No 3 (2026): Juli
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v14i3.10140

Abstract

This study aims to examine the influence of halal certification, social media, and consumer awareness on the purchasing interest of halal cosmetics among Gen Z in Plampang District. Data collection in this study was conducted through distributing questionnaires with a purposive sampling method using a 5-point Likert scale from 98 respondents. The relationship between variables was analyzed using structural equation modeling with a partial least squares approach with the SmartPLS 4.0 statistical tool. The results of this study show that halal certification, social media, and consumer awareness have a positive and significant effect on the purchasing interest of halal cosmetics among Gen Z in Plampang District. This finding confirms that these three factors have an important role in driving purchasing decisions for halal cosmetics, so they can be a basis for consideration for industry players and marketers in designing more effective marketing strategies in the future.
The Crisis of Paper Money and the Prospects for Cryptocurrency: An Analysis of the Maqashid al-Shariah Regarding Digital Monetary Instruments Muh. Baihaqi; M. Andika Yuda Pratama; Dahlia Bonang; Azizi Abu Bakar
Sharia Economic and Management Business Journal (SEMBJ) Vol. 7 No. 2 (2026): Sharia Economic and Management Business
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v7i2.1932

Abstract

Background: The development of digital monetary systems has posed serious challenges to Islamic financial principles, particularly in the context of the use of fiat money and the emergence of crypto assets. Paper money without real value backing tends to cause economic instability and violations of maqashid al-shariah, particularly in the aspect of hifz al-mal (protection of wealth). On the other hand, cryptocurrencies and Central Bank Digital Currencies (CBDCs) offer potential as alternative instruments, yet they still pose significant Shariah risks. This study aims to evaluate contemporary monetary instruments within the framework of maqashid al-shariah to assess the extent to which they fulfill the principles of justice, public interest, and the protection of the economic value of the ummah. Method: The method employed is qualitative research with a normative-theoretical approach. Data were collected through a literature review of classical maqashid texts (al-Ghazali, al-Shatibi, Ibn Ashur), DSN-MUI fatwas, central bank reports, and digital asset whitepapers. The analytical techniques employed include content analysis of primary and secondary documents, as well as critical discourse analysis to examine dominant narratives within the current financial system. Results: The research findings indicate that the fiat money system possesses structural weaknesses that potentially violate the maqashid. Cryptocurrencies and CBDCs have the potential to fill this gap if designed in accordance with Shariah principles. However, this revised article emphasizes the need for criticism regarding the potential for abuse of state power and mass surveillance in the implementation of CBDCs, which may conflict with other maqashid such as hifz al-nafs (protection of life) and hifz al-hurriyah (protection of freedom). A maqashid-based evaluation has proven effective in assessing the alignment of digital monetary instruments with Islamic values. Conclusion: This study contributes to the development of a maqashid-based evaluative framework for digital financial innovations. Collective ijtihad and synergy between scholars and technologists are required to establish a just and sustainable Islamic monetary system.
Co-Authors Any Tsalasatul Fitriyah Aqilah Nadiah Md Sahiq Azizi Abu Bakar Baihaqi , Muhammad Baihaqi, Muh Dewi Sartika Nasution Fadlia Galib Hamidah . Hanif Fadhlillah Hanifiyah Yuliatul Hijriah, Hanifiyah Yuliatul Hasbi, Muhammad Yazidul Hikmah Endraswati, Hikmah Himmatul Kholidah Imam Al Fazari Imron Mawardi Imron Mawardi Intan Oktaviani Ismail, Shafinar Kafiyla Sekar Sidhi Parahita Kusuma, Bayu Mitra A. M Firdaus M. Andika Yuda Pratama Machfud, Syafrina Martini Dwi Pusparini Martini Dwi Pusparini, Martini Dwi Mas’ud, Riduan Mohamad Ainun Najib Naili Rahmawati Naili Rahmawati Nani Suhartini Sanurdi Sanurdi Shafinar Ismail Shofi'unnafi, Shofi'unnafi Solihan, Munif Syafrina Machfud Tika Widiastuti Umu Rosyidah Yuliatul Hijriah, Hanifiyah Zustika, Anisa Fadilah