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All Journal JURNAL LENTERA : Kajian Keagamaan, Keilmuan dan Teknologi Jurnal Ilmiah Ar-Risalah: Media Ke-Islaman, Pendidikan, dan Hukum Islam Jihbiz: Jurnal Ekonomi, Keuangan dan Perbankan Syariah Tepis Wiring : Jurnal Pengabdian Masyarakat PEDAMAS (Pengabdian Kepada Masyarakat) Danadyaksa: Post Modern Economy Journal Sahwahita: Community Engagement Journal AL-MANSYUR Malacca: Journal of Management and Business Development Welfare: Jurnal Pengabdian Masyarakat
Nurwakhidah, Ana
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Health Professions Law, Crime, Criminology & Criminal Justice Mathematics Public Health Social Sciences

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The Role of Bank Muamalat Indonesia KCP Kepanjen in Determining Customer Decisions Using Hajj Program Financing Products (Prohajj) with the Qardh Wakalah Bil Ujrah Agreement Nurwakhidah, Ana; Musfiroh , Ulil Mayasari
Danadyaksa: Post Modern Economy Journal Vol. 2 No. 1 (2024): Post Modern Economy Journal
Publisher : Yayasan Pendidikan Islam Bustanul Ulum Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69965/danadyaksa.v2i1.30

Abstract

In addition to learning more about the hajj program financing products offered by Bank Muamalat Indonesia KCP Kepanjen, the purpose of this service activity is to ascertain how the Qardh Wakalah bil Ujrah contract is applied to those products. where Muslims make up the majority of the Indonesian population. This is evident from the enthusiasm of Indonesian Muslims in response to the KMA No. 189 of 2023 decree concerning Indonesian Hajj Quotas for 1444 H/2023 M totaling 221,000, consisting of 203,320 regular haj Quotas and 17,680 special Hajj Quotas, which was signed by the Minister of Religion Yaqut Cholil Qoumas. Then one of Islamic banking's functions is to offer Hajj program services that can facilitate Muslims' ability to execute the pilgrimage. This writing uses a descriptive qualitative method, the author describes the object of research by recording, observing, and interviewing all matters related to this research and aligning it with primary and secondary data sources. The respondent from this writing is the Relationship Manager of Bank Muamalat Indonesia KCP Kepanjen. observation directly or indirectly on the object under study as well as data collection with related documents. The results of this study indicate that the Hajj financing product at Bank Muamalat Indonesia in KCP Kepanjen uses the Qardh Wakalah Bil Ujrah contract, namely funds lent by the bank to prospective hajj customers.
Digitalisasi Pengelolaan Zakat, Efisiensi dan Kepatuhan Muzaki di Indonesia Rozi, A. Fahrur; Nurwakhidah, Ana; Faroqi, Irfan
Jihbiz : Jurnal Ekonomi, Keuangan dan Perbankan Syariah Vol 10 No 1 (2026)
Publisher : Universitas Islam Raden Rahmat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33379/jihbiz.v10i1.8754

Abstract

This study addresses the discrepancy between the rapid digitalization of zakat management and the suboptimal efficiency of zakat institutions and muzakki compliance in Indonesia. The research aims to describe the development of zakat digitalization, analyse its influence on institutional operational efficiency and muzakki compliance, and identify supporting and inhibiting factors in its implementation. This study employs a library research method by examining relevant literature, books, journals, reports, and scientific studies as primary and secondary data sources. The findings indicate that digitalization offers opportunities to enhance service quality, yet its effectiveness depends heavily on institutional readiness, governance quality, and muzakki trust. The study concludes that technology alone is insufficient without system integration and strengthened institutional capacity.
Co-Authors Agita , Salsa Zaina Isabella Al Karim , Muhammad Busro Anam, Hoirul Angga Teguh Prastyo Fanani, Ahmad Khoirul Faroqi, Irfan Fitri , Rahma Dika Kartika Isna Nurul Inayati, Isna Nurul Muhammad, Aliyu Dahiru Musfiroh , Ulil Mayasari Nanik Ulfa, Nanik Rozi, A. Fahrur Soleh, Amir Wahyuni, Pingki Tri Wijaya , Nova Dwi Rahma