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All Journal ASIAN JOURNAL OF ISLAMIC MANAGEMENT (AJIM) Maliki Islamic Economics Journal
Yahuza, Bello Sani
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Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences Other

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Analysis of Factors Influencing Public Preference for Waqf Products in Islamic Insurance: Evidence in Tasikmalaya City Rizal, Annas Syams; Yahuza, Bello Sani; Lahuri, Setiawan Bin; Muqorobin, Ahmad
Maliki Islamic Economics Journal Vol 4, No 2 (2024): Maliki Islamic Economics Journal
Publisher : Faculty of Economics UIN Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/miec.v4i2.30021

Abstract

This study assesses public interest in waqf insurance within Indonesia's Islamic life insurance sector, utilizing the Analytic Network Process (ANP) to evaluate awareness, trust, and perceptions. Qualitative data from interviews and document analysis supplement the ANP findings, offering a comprehensive understanding of public views. The study emphasizes the importance of innovative marketing strategies in promoting waqf insurance products, revealing that limited public awareness and understanding highlight the need for educational initiatives and targeted marketing. Trust and credibility also play a significant role in consumer decision-making in this niche market. The study suggests that improving public understanding, enhancing accessibility, and fostering trust through regulatory transparency are crucial for increasing participation in waqf insurance. Future study should focus on educational campaigns, transparent communication to build trust, and raise awareness of waqf insurance benefits.
Zakat management innovation: Wakalah contract for cash flow stabilization Muqorobin, Ahmad; Hubur, Aa; Budiman, Alwan Rifqi; Hidayah, Akmal; Yahuza, Bello Sani
Asian Journal of Islamic Management (AJIM) VOLUME 7 ISSUE 2, 2025
Publisher : Faculty of Business & Economics, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/AJIM.vol7.iss2.art7

Abstract

Purpose – Zakat institutions (ZIs) face managerial inefficiencies to the extreme seasonality of zakat fitr collection, which restricts distribution to short-term consumptive aid. This study analyzes LAZISMU's "year-round zakat fitr" program implementation at LAZISMU Ponorogo, East Java, as a fiqh-management innovation designed to address this operational challenge by harmonizing Sharia compliance with financial sustainability.Methodology – A qualitative, single-case study design was employed. Data were collected through in-depth interviews with LAZISMU management and Sharia experts, supplemented by analyses of institutional documents and fiqh rulings. An interactive qualitative model was used to examine the legal foundations and managerial implications of the program.Findings – This study finds that Sharia compliance is achieved through the wakalah contract rather than ta'jil (early payment). This legal framework allows for the temporal separation of fund collection from disbursements. Consequently, the institution successfully transforms its cash flow into a stable, continuous flow from a volatile seasonal lump sum, thereby resolving critical operational bottlenecks.Implications – The fiqh-management model enhances strategic planning and operational efficiency. By stabilizing cash flow, ZIs can shift their distribution strategy from purely reactive and consumptive to proactive, enabling the integration of zakat fitr funds into long-term productive empowerment programs without violating Sharia constraints.Originality – Unlike previous studies that predominantly focus on the distributional aspects of wakalah, this study offers a novel analysis of the wakalah contract as a strategic cash flow-smoothing tool in the zakat administration. It bridges classical Islamic jurisprudence with modern corporate finance theory and provides a replicable model for Islamic social finance institutions to overcome operational seasonality.
Co-Authors Ahmad Muqorobin Budiman, Alwan Rifqi hidayah, akmal Hubur, Aa Rizal, Annas Syams