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All Journal Jurnal Ilmiah Ekonomi Islam IKRA-ITH EKONOMIKA Maqdis: Jurnal Kajian Ekonomi Islam Maliki Islamic Economics Journal Al-bank: Journal of Islamic Banking and Finance Proceedings of International Conference on Religion, Social and Humanities
Desmadi Saharuddin
Universitas Islam Negeri Syarif Hidayatullah Jakarta
Religion Economics, Econometrics & Finance Social Sciences

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EFFICIENCY AND EFFECTIVENESS OF ZAKAT PAYROLL SYSTEM AND DIGITAL ZAKAT ON THE ACCEPTANCE OF ZAKAT FUNDS BAZNAS 2016-2017 DESMADI SAHARUDDIN; RR. TINI ANGGRAINI; SITI JAMILA
Maqdis: Jurnal Kajian Ekonomi Islam Vol 4, No 1 (2019): Januari - Juni 2019
Publisher : Universitas Islam Negeri Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/maqdis.v4i1.487

Abstract

This study aims to analyze the level of efficiency and effectiveness of zakat payroll system and digital zakat on the acceptance of zakat funds in BAZNAS2016-2017. This study used the Data Envelopment Analysis (DEA) method with DEA Frontier software, Microsoft Excel 2010 and the Allocation to Collection Ratio (ACR) which compares the distribution ratio with the collection of zakat funds from each program. The results and findings of this study indicate that both the zakat payroll system and digital zakat have a high level of efficiency and effectiveness. This indicates that the community awareness was already high to pay of zakat profession. This research is expected to be a reference for zakat institutions and zakat practitioners in measuring the level of efficiency and effectiveness of a program.
Pengaruh Marketing Mix 5Cs Terhadap Loyalitas Nasabah Melalui Kepuasan Nasabah Bank Syariah Indonesia Tangerang Selatan Riski Eka Lestari; Endah Meiria; Desmadi Saharuddin
Jurnal Ilmiah Ekonomi Islam Vol 9, No 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i3.8622

Abstract

This study aims to analyze the Effect of Marketing Mix 5Cs (Conformity, Character, Commitment, Conscience and Customer Centrism) on Customer Loyalty through Customer Satisfaction of BSI South Tangerang. This research is a quantitative study using Multiple Linear Regression and Sobel Test through Microsoft Excel 2010 and SPSS version 26. The population of this research is BSI South Tangerang customers, 100 respondents were taken as a sample using purposive sampling technique. The results showed that the 5Cs Marketing Mix simultaneously had a significant effect on customer satisfaction and there was a significant effect on customer loyalty. Partially, Conformity has a positive and significant effect on Customer Satisfaction, while Character, Commitment, Conscience and Customer Centrism have no significant effect. Likewise Commitment and Customer Satisfaction have a positive and significant effect on Customer Loyalty, while Conformity, Character, Conscience and Customer Centrism have no significant effect. The results of the Sobel test show that Customer Satisfaction as an intervening variable is able to mediate Conformity to Customer Loyalty, while Character, Commitment, Conscience and Customer Centrism to Customer Loyalty are unable to be mediated by Customer Satisfaction. So this shows that the 5Cs Marketing Mix of Bank Syariah Indonesia (BSI) South Tangerang is quite satisfying but has not been able to increase customer loyalty. Therefore BSI must improve the quality of service to customer needs.
Innovations in Sharia Insurance Products and Business Models: A Comparative Study of Crowd Takaful, Sharing Tabarru’ and Peer-to-Peer Insurance Desmadi Saharuddin; Rizal Fahlefi; Alimin; Husni Shabri
Al-bank: Journal of Islamic Banking and Finance Vol. 6 No. 1 (2026): January - June 2026
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v6i1.16455

Abstract

This study aimed to examining innovations in Sharia-compliant insurance products and business models, specifically crowd takaful, sharing tabarru, and peer-to-peer insurance. The methodology applied follows the PRISMA framework, involving a comprehensive search in the Scopus database, strict selection criteria, and thematic qualitative and quantitative analysis to ensure reliability and relevance of the reviewed literature. Key findings reveal that crowd takaful and peer-to-peer insurance models significantly enhance financial inclusion and uphold ethical insurance principles aligned with Sharia values, with fintech technologies driving operational efficiency and transparency. The discussion highlights how integrating Islamic values into technological innovations deepens understanding and adaptation of these insurance models while identifying regulatory and moral hazard challenges that hinder broader development. The conclusion emphasizes this study’s contribution in linking Islamic economic theory with financial technology advances and its practical implications for regulatory innovation and financial literacy promotion. Future research is recommended to focus on cross-cultural comparative studies, development of hybrid theoretical frameworks combining Islamic economics with innovation diffusion and behavioral finance, and advanced bibliometric analyses to map academic progress and policy collaboration. This study aims to boost academic visibility with SEO-friendly keywords relevant to Sharia insurance and modern financial technology.
The Paradox of Plenty in Zakat Management: Baitul Mal Hidayatullah’s Financial Sustainability and Effectiveness Ananda Ayu Amelia; Desmadi Saharuddin; Rahmat Hidayat; Abdul Hamid
Maliki Islamic Economics Journal Vol 6, No 1 (2026): 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.v6i1.40362

Abstract

This study examines the paradox between Indonesia's substantial zakat potential and its institutional realization by assessing the financial sustainability and distribution effectiveness of Baitul Mal Hidayatullah. Using secondary data from audited financial statements and institutional reports, the study analyzes zakat collection and distribution through the Allocation to Collection Ratio (ACR), complemented by descriptive statistics, Ordinary Least Squares (OLS) regression, and Pearson correlation analysis. The findings indicate that zakat collection fluctuated considerably, whereas distribution remained consistently high, with ACR exceeding 100% in two years due to reserve utilization. Regression results reveal that distribution volume significantly improves ACR performance, while collection growth alone does not proportionally enhance distribution effectiveness. These findings highlight a structural imbalance between fundraising capacity and sustainable fund allocation. The study implies that zakat institutions should strengthen reserve management, improve fundraising sustainability, and enhance financial governance to maintain long-term institutional resilience. This study is limited to a single national zakat institution and a five-year observation period; therefore, future studies should employ comparative analyses across multiple institutions and incorporate broader governance and macroeconomic variables.
Zakat, IPM, dan Pertumbuhan Ekonomi: Bukti dari DKI Jakarta: Bukti dari DKI Jakarta Muhammad Khaerul Muttaqien Muttaqien; Desmadi Saharuddin; Muhammad Said; Abdul Hamid; Laila Yumna
IKRAITH-EKONOMIKA Vol. 9 No. 2 (2026): IKRAITH-EKONOMIKA Vol 9 No 2 Juli 2026
Publisher : Universitas Persada Indonesia YAI

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study analyzes the effects of zakat, the Human Development Index (HDI), and unemployment on regional economic growth in Jakarta Special Capital Region (DKI Jakarta). The study employs a quantitative approach using secondary panel data covering seven geographical units in DKI Jakarta over the 2020–2024 period. The units of observation comprise the Thousand Islands, South Jakarta, East Jakarta, Central Jakarta, West Jakarta, North Jakarta, and DKI Jakarta Province, resulting in 35 observations. The analysis was conducted using multiple linear regression, with Gross Regional Domestic Product (GRDP) at constant prices as the dependent variable and zakat, HDI, and the unemployment rate as independent variables. The results show that zakat has a positive and significant effect on GRDP (β = 0.991; p < 0.001), whereas HDI and the unemployment rate do not have statistically significant effects. Simultaneously, the three independent variables significantly affect GRDP (F = 572.917; p < 0.001), with a coefficient of determination (R²) of 0.982. These findings indicate that the role of zakat is more pronounced in aggregate economic growth than in employment absorption, suggesting that strengthening the function of zakat should be accompanied by structural employment policies. The main contribution of this study lies in developing an integrated model that links Islamic social finance, human development, employment, and economic growth within the regional context of DKI Jakarta.
The Challenge of Preacihng in The Digital Era: Between Hope and Reality Meirison Meirison; Husnul Fatarib; Desmadi Saharuddin
International Conference On Religion, Social and Humanities Vol 4 (2025): Religion and Social Transformation in the Digital Era
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/proceedingsoficresh.v4i.103

Abstract

In an era where devices speak louder than words, the question is no longer "How do we reach people?" But rather: How do we listen to them amidst the digital cacophony? This statement encapsulates one of the most significant challenges facing contemporary religious discourse. In a world flooded with messages flowing from all directions, the task is no longer to convey a message, but to listen deeply to what people are saying—or not saying—among their posts, comments, and digital silences. The issue is no longer reaching audiences, but understanding them amidst this flood of information, where issues overlap, references intersect, and beliefs are formed in spaces no longer governed by the logic of sermons or traditional pulpits. We wrote this article by conducting a qualitative literature study of the phenomenon of da'wah in society, based on existing references and personal experiences in conducting digital da'wah. The digital preacher is no longer simply a text transmitter or a proverbial narrator; instead, he has become the living embodiment of a timeless message that adapts without compromise and renews itself without fading. In an era dominated by merciless intelligent systems, where speed devours all that is beautiful and profound, the call of faith remains in dire need of those who can restore its human warmth and awaken its meaning amidst the dominance of technology and the fading pulse of the heart.
Co-Authors Abdul Hamid Ade Sofyan Mulazid Alimin Ananda Ayu Amelia Endah Meiria Fauzan Fadhilla HUSNI SHABRI Husnul Fatarib Inayatul Chusna Laila Yumna Meirison Meirison Muhammad Khaerul Muttaqien Rahmat Hidayat Riski Eka Lestari Rizal Fahlefi RR. TINI ANGGRAINI Said, Muhammad SITI JAMILA