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All Journal ASAS : Jurnal Hukum Ekonomi Syariah HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah al-Afkar, Journal For Islamic Studies Misykat al-Anwar Jurnal Kajian Islam dan Masyarakat Syi'ar Iqtishadi Jurnal Profetik Al Maal: Journal of Islamic Economics and Banking Mu'amalat: Jurnal Kajian Hukum Ekonomi Syariah Jurnal khabar: Komunikasi dan Penyiaran Islam Tadbir: Jurnal Manajemen Dakwah TADBIR: Jurnal Manajemen Dakwah FDIK IAIN Padangsidimpuan Dakwah: Jurnal Kajian Dakwah dan Kemasyarakatan Mabny : Journal of Sharia Management and Business Jurnal Manajemen Dakwah Jurnal Riset Komunikasi Penyiaran Islam Journal of Islamic Management Busyro : Jurnal Dakwah dan Komunikasi Islam Journal of Da'wah JEBI (Jurnal Ekonomi dan Bisnis Islam) ITQAN: Journal of Islamic Economics, Management, and Finance FADZAT Jurnal Ekonomi Syariah Inisiatif: Jurnal Ekonomi, Akuntansi Dan Manajemen Al-Manaj Innovative: Journal Of Social Science Research Musyarakah: Journal of Sharia Economics (MJSE) Jurnal Kajian Manajemen Dakwah Setyaki : Jurnal Studi Keagamaan Islam Gudang Jurnal Multidisiplin Ilmu HIKMAH: Jurnal Ilmu Dakwah dan Komunikasi Islam El-Uqud: Jurnal Kajian Hukum Ekonomi Syariah Journal of Entrepreneurial and Business Diversity Jurnal Manajemen Dakwah (J-MD) Tasyri' Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah JEBD Al-Zayn: Jurnal Ilmu Sosial & Hukum QOSIM: Jurnal Pendidikan, Sosial & Humaniora AL-KARIM: Journal of Islamic and Educational Research Jurnal Kajian Islam dan Sosial Keagamaan Moneter : Jurnal Ekonomi dan Keuangan Santri : Jurnal Ekonomi dan Keuangan Islam Hatta: Jurnal Pendidikan Ekonomi dan Ilmu Ekonomi Jurnal Syariah dan Ekonomi Islam (JSEI) Jurnal Inovasi Ekonomi Syariah dan Akuntansi Mudabbir Jurnal Bisnis Inovatif dan Digital Al-Idaroh I'thisom: Jurnal Ekonomi Syariah Abdurrauf Law and Sharia Jurnal Manajemen Dakwah JIMAD : Jurnal Ilmiah Multidisiplin IPSSJ Ittishol: Jurnal Komunikasi dan Dakwah Ulil Albab Abdurrauf Journal of Education and Islamic Studies Mushawwir: Jurnal Manajemen Dakwah dan Filantropi Islam Munazzama Journal of Islamic Management and Pilgrimage Jurnal Ilmiah Ar-Risalah: Media Ke-Islaman, Pendidikan dan Hukum Islam BORJUIS (JURNAL OF ECONOMY) MUQADDIMAH: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis Humanitis (Jurnal Humaniora Sosial dan Bisnis) Islam and Social Science Review
Muhamad Zen
UIN Syarif Hidayatullah Jakarta
Religion Aerospace Engineering Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Keunggulan Kompetitif Media Digital Republika Analisis Porter dalam Dakwah Bil Kitabah dan Ekonomi Umat Sa’idahtul Akmala Yusuf; Muhamad Zen; Fatmawati
Al-Zayn: Jurnal Ilmu Sosial, Hukum & Politik Vol 4 No 3 (2026): 2026
Publisher : Yayasan pendidikan dzurriyatul Quran

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61104/alz.v4i3.6361

Abstract

Perkembangan media digital telah mengubah cara penyampaian informasi dan dakwah Islam secara fundamental. Penelitian ini bertujuan untuk menganalisis bagaimana media digital Republika membangun keunggulan kompetitif dalam mengoptimalkan dakwah bil kitabah serta perannya dalam pemberdayaan ekonomi umat. Menggunakan metode studi pustaka (library research) dengan pendekatan kualitatif deskriptif, penelitian ini menemukan bahwa keunggulan kompetitif dibangun melalui strategi diferensiasi berbasis nilai Islam, fokus pada audiens Muslim, serta integrasi teknologi Artificial Intelligence (AI) dan Big Data. Hasil penelitian menunjukkan bahwa dakwah bil kitabah di era digital bertransformasi menjadi konten yang interaktif dan adaptif, sementara pemberdayaan ekonomi umat diwujudkan melalui penguatan ekosistem filantropi Islam seperti zakat dan wakaf produktif serta dukungan nyata terhadap UMKM. Penelitian ini menegaskan bahwa media Islam mampu menyinergikan teori manajemen Barat dengan misi dakwah untuk menciptakan resiliensi ekonomi dan kesadaran beragama yang kokoh di tengah arus transformasi digital.
Model Brand Dakwah Moderat Digital Dalam Penguatan Ekonomi Umat: Studi Kasus MUI Dan ADDAI Sofian; Muhamad Zen; Fatmawati
Jurnal QOSIM : Jurnal Pendidikan, Sosial & Humaniora Vol 4 No 3 (2026): 2026
Publisher : Yayasan pendidikan dzurriyatul Quran

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61104/jq.v4i3.6452

Abstract

Penelitian ini mengkaji Model Brand Dakwah Moderat Digital sebagai strategi inovatif dalam penguatan ekonomi umat Islam di Indonesia. Di tengah disrupsi digital yang mempercepat penyebaran narasi ekstrem sekaligus membuka peluang pemberdayaan, MUI dan ADDAI (Asosiasi Dai-Daiyah Indonesia) menjadi aktor strategis yang mengintegrasikan nilai wasathiyah dengan pendekatan branding modern. Penelitian bertujuan menganalisis model brand dakwah moderat digital kedua lembaga serta kontribusinya terhadap peningkatan literasi ekonomi syariah, pertumbuhan UMKM halal, dan pembentukan ekosistem ekonomi umat yang berkelanjutan. Penelitian menggunakan pendekatan kualitatif dengan desain studi kasus ganda (multiple case study). Data sekunder diperoleh dari studi literatur. Analisis data dilakukan dengan model Miles, Huberman, dan Saldaña melalui reduksi data, penyajian data, dan penarikan kesimpulan, dengan teknik triangulasi untuk menjamin keabsahan. Hasil penelitian menunjukkan bahwa MUI menerapkan model institusional-top down dengan kekuatan standardisasi konten, otoritas nasional, dan integrasi kebijakan ekonomi skala besar. Sementara ADDAI mengembangkan model komunitas-bottom up yang menonjolkan peran dai muda bersertifikat (CDAI) sebagai brand ambassador moderat dan solutif. Sinergi kedua model menghasilkan brand equity dakwah yang kuat, ditandai dengan peningkatan kesadaran umat terhadap ekonomi syariah, pertumbuhan partisipasi UMKM halal, serta penurunan narasi ekstrem di ruang digital. Penelitian ini menyimpulkan bahwa integrasi Brand Identity System Aaker dengan prinsip wasathiyah Qardhawi mampu menciptakan model dakwah moderat digital yang adaptif dan berdampak ekonomi. Model ini menawarkan implikasi penting bagi transformasi dakwah di era Society 5.0, yaitu dari dakwah ritual menuju dakwah transformatif yang mendukung kemandirian dan keadilan ekonomi umat.
REVITALISASI KONSEP BAI’ AL-MURABAHAH DALAM PERBANKAN SYARIAH: ANALISIS FIQIH KLASIK DAN TANTANGAN KONTEMPORER ARVAN SANDIKA; MUHAMAD ZEN
JEBI (Jurnal Ekonomi dan Bisnis Islam) Vol 10, No 2 (2025): Juli - Desember 2025
Publisher : Universitas Islam Negeri Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/jebi.v10i2.2068

Abstract

IJARAH AND THE SHARING ECONOMY: A FIQH AL-MUAMALAT PERSPECTIVE ON THE PHENOMENON OF DIGITAL RENTALS IN THE PLATFORM ERA Dida Novandika; Muhamad Zen
J-MD Jurnal Manajemen Dakwah Vol. 6 No. 1 (2025): JMD
Publisher : Program Studi Manajemen Dakwah, FUAD, IAIN Pontianak

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

Abstract

This study examines the application of the ijarah contract within the digital sharing economy, focusing on platforms such as Gojek, Grab, and Airbnb. Employing a systematic literature review and qualitative content analysis, the research investigates academic literature, DSN-MUI fatwas, Financial Services Authority (OJK) regulations, and normative principles of the Qur’an. The findings indicate that the ijarah contract remains relevant in digital economic practices but faces critical challenges, including uncertainty (gharar), information transparency, and consumer protection. The variant Ijarah Muntahiyah bi al-Tamlik (IMBT) is considered more adaptive for long-term digital transactions, as it provides ownership certainty at the end of the contract. DSN-MUI Fatwas No. 112/2017 and No. 117/2018 offer normative legitimacy, while OJK regulations strengthen legal certainty, transparency, and consumer protection. Contemporary research (Muhamad Zen, 2021; 2022) further highlights the importance of clear objects, pricing, duration, and dispute resolution mechanisms. These results are consistent with the Qur’anic principle in Q.S. Al-Qaṣaṣ [28]:26, emphasizing al-quwwah (competence) and al-amānah (trustworthiness) as ethical foundations. This study contributes to the development of contemporary fiqh muamalah by integrating classical theory, fatwas, regulations, and digital practices. Practical implications include strengthening contract transparency in digital platforms, designing Sharia-compliant tax regulations, and improving consumer protection mechanisms.
 Omnichannel Marketing dan Daya Saing Bank Perekonomian Rakyat Syariah (BPRS) Pendekatan Integrated Marketing Strategy di Era Digital Rahmat Ramadan; Muhamad Zen; Fatmawati Fatmawati
MUQADDIMAH: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis Vol. 4 No. 1 (2026): Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis
Publisher : LP3M INSTITUT KH YAZID KARIMULLAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59246/t09x3z26

Abstract

Bank Perekonomian Rakyat Syariah (BPRS) faces intensifying competitive pressures in the era of digital transformation, competing with Islamic commercial banks, fintech companies, and digital financial platforms. This article examines how an omnichannel marketing strategy within an Integrated Marketing Strategy (IMS) framework can strengthen BPRS competitiveness while accelerating the economic growth of Muslims in Indonesia. The study uses a Systematic Literature Review (SLR) method based on the PRISMA protocol for 25 selected articles from 87 identified through Google Scholar, Scopus, and the accredited SINTA portal ranked 1–3, with a publication period of 2022–2025. Selection was based on thematic relevance, methodological quality, and full-text accessibility. The study results show that the synergistic integration of physical, digital, and community channels can increase service reach, customer loyalty, and market penetration in the Muslim segment. The novelty of this research lies in the construction of a three-layer omnichannel model that is contextual-sharia and has not been formulated in previous literature, with maqashid sharia as the normative evaluative standard that distinguishes this approach from conventional IMS models. OJK regulations through the 2024–2027 RP2B Roadmap and the 2023 P2SK Law have created momentum for the digital transformation of BPRS, which requires a response with an integrated, technology-based marketing strategy.
Modernization of Islamic Philanthropy: Analysis of The Business Model Canvas of Rumah Zakat in the Era of Digitalization Nurul Alvi Chindi Fadhilah; Muhamad Zen; Fatmawati
Mabny: Journal of Sharia Management and Business Vol. 6 No. 1 (2026): Mabny : Journal of Sharia Management and Business
Publisher : Faculty of Islamic Economics and Business, Madura Islamic State University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/mabny.v6i1.24601

Abstract

Abstract Purpose – This Study Analyzes the transformation of Rumah Zakat’s digital business model through the Business Model Canvas (BMC) framework in the era of digitalization. Methodology – This research method uses a qualitative approach through document analysis (literature study) on various scientific literature, performance reports, websites, as well as internal analysis drafts regarding Rumah Zakat that have been published. Findings – Rumah Zakat achieved a governance score of 0.84 and a distribution effectiveness of 91.31%. although digital infrastructure invesment triggered fundraising costs of 108.95%, this system managed to maintain donor retention at 88%. Implications – System automation is required to reduce high operational costs while still maintaining Sharia compliance and the humanistic aspect of service. Originality – A cutting-edge strategic evaluation (up to 2026) of the digital transformation of zakat instituitions that integrates the BMC framework with the principles of Maqasid Sharia.
Strategi Digital Marketing Funnel Dalam Mendorong Loyalitas Muzakki Pada Lembaga Zakat Dompet Dhuafa Yuzril Mahendra; Muhamad Zen; Fatmawati
HATTA : Jurnal Pendidikan Ekonomi dan Ilmu Ekonomi Vol 4 No 1 (2026): HATTA: Jurnal Pendidikan Ekonomi dan Ilmu Pendidikan
Publisher : STKIP MAJENANG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62387/hatta.v4i1.414

Abstract

This research is motivated by the significant gap between potential and actual zakat collection in Indonesia, necessitating an effective digital strategy to increase zakat payers' loyalty. This study aims to analyze the implementation of the 5A digital marketing funnel model (Aware, Appeal, Ask, Act, Advocate) at the Dompet Dhuafa zakat institution in building zakat payers' loyalty in the digital era. The study used a qualitative approach with descriptive-analytical methods through a literature review, the Dompet Dhuafa 2024 Annual Report, website, mobile application, social media, and various scientific journals related to digital philanthropy and digital marketing. The results show that Dompet Dhuafa has successfully integrated various digital channels such as websites, social media, mobile applications, CRM, and digital payment systems to support the zakat payers' journey from awareness to loyalty. Content strategies based on emotional, rational, and spiritual approaches have proven effective in increasing public engagement and trust. Furthermore, CRM implementation, personalized digital communications, and transparent program reports have been able to encourage loyalty and repeat donations. This study found that muzakki loyalty in the digital era is influenced by three main factors, namely trust, transparency, and ease of technology integrated into the muzakki's digital experience.
Konsep Moderasi Beragama Perspektif Ulama Betawi: (Studi Atas Pemikiran Dan Aktivitas Dakwah Moderat Kh Abdullah Syafi’ie) Zakaria Syihabudin; Muhamad Zen; Muhamad Afdoli Ramadoni
Jurnal Khabar: Komunikasi dan Penyiaran Islam Vol. 7 No. 1 (2025): Juni
Publisher : STAI Bumi Silampari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37092/khabar.v7i1.1085

Abstract

The ethnic Betawi are the indigeneous religious population of Jakarta. For the ethnic Betawi, Islam functions not only as a religion, but also as a unifying and identify-building force. Their customs and culture are grounded in Islamic values, and their form of religiosity is characterized by profound respect and veneration for religious teacher (Muallim). One such figure of note is KH. Abdullah Syafi’ie. This paper aims strengthen the theory of intellectual genealogy of Betawi ulama Rakhmat Zailani Kiky and Rodwan Saini’s concept of ethnic Betawi religiosity. Using qualitative methods, including interviews, observation, and document analysis, the study analyzes KH. Abdullah Syafi’ie’s thought and da’wah activities. It argues that his da’wah in the 1970s and 1980s embodied religious moderation. Firstly, KH Abdullah Syafi'ie's concept of diverse moderation is consistent with Yusuf Qardhawi's principles of balance (al-Tawazun) and justice (al-ta'adul). Secondly, KH Abdullah Syafi'ie's implementation of religious moderation in the domains of education, da'wah, and society demonstrates its modernization of the curriculum and institutional framework. The field of da'wah encompasses da'wah bi al-lisan, bi al-qalam, and bi al-hal. In the social domain, KH Abdullah Syafi'ie established an orphan and dhuafa boarding school in Jatiwaringin, Pondok Gede, Bekasi, West Java.
REKONSTRUKSI PERSONAL BRANDING DAN TRUST MARKETING DALAM DAKWAH DIGITAL: ANALISIS LITERATUR TERHADAP PENGUATAN EKONOMI UMAT Tegar Efrizal; Muhamad Zen; Fatmawati Fatmawati
Journal of Da'wah Vol. 5 No. 1 (2026): Juni
Publisher : Institut Agama Islam Negeri Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/jd.v5i1.6832

Abstract

Transformasi teknologi digital telah mengubah praktik dakwah Islam dari model konvensional menjadi ekosistem media digital yang semakin kompetitif. Penelitian ini bertujuan untuk menganalisis rekonstruksi personal branding dan trust marketing dalam dakwah digital serta kontribusinya terhadap penguatan ekonomi umat. Menggunakan pendekatan kualitatif dengan desain conceptual paper berbasis literature review, data dianalisis menggunakan teknik thematic analysis. Hasil kajian menunjukkan bahwa personal branding dibangun melalui tiga dimensi utama, yaitu otentisitas, konsistensi, dan visibilitas, yang membentuk kredibilitas da’i di ruang digital. Kredibilitas tersebut dikonsolidasikan melalui trust marketing menjadi kepercayaan yang stabil dan berbasis nilai. Integrasi keduanya menghasilkan alur relasional yang sistematis, dari pembentukan persepsi hingga engagement audiens yang berpotensi mendorong tindakan ekonomi. Kepercayaan yang terbangun berpotensi mendorong penguatan ekonomi umat melalui 4 mekanisme, yakni filantropi digital, penguatan ekonomi halal, pembentukan komunitas ekonomi berbasis kepercayaan, dan peningkatan literasi ekonomi Islam. Penelitian ini menghasilkan model integratif proposisional yang menghubungkan personal branding, trust marketing, dan potensi dampak ekonomi umat dalam satu kerangka analisis konseptual yang memerlukan validasi empiris lebih lanjut.
KONSEP HIWALAH DALAM FIQH KLASIK DAN PENERAPANNYA DALAM SISTEM TRANSFER DIGITAL Iqbal Maulana; Muhamad Zen
MISYKAT AL-ANWAR JURNAL KAJIAN ISLAM DAN MASYARAKAT Vol 9 No 2 (2026)
Publisher : Faculty of Islamic Studies, University of Muhammadiyah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24853/ma.9.2.235-248

Abstract

Hiwalah represents a humane mechanism of debt transfer rooted in Islamic principles of justice and solidarity. In classical fiqh, hiwalah refers to the transfer of a debtor’s obligation (muhil) to another party (muhal ‘alaih) who agrees to assume the debt. It is more than a simple adjustment of accounts, it embodies mutual help and economic balance within society. In modern times, the essence of hiwalah can be seen in bank transfers, remittance systems, and digital payment platforms such as mobile banking and e-wallets. This study explores how the classical concept of hiwalah can be adapted to digital transfer systems that dominate contemporary economic activities. Using a qualitative literature review of classical fiqh sources (Al-Mughni, Al-Mabsuth) and DSN-MUI Fatwa No.12/2000, this study finds that digital transfers may qualify as hiwalah when liability shifts legitimately between consenting parties. Such consent may occur orally, in writing, or through electronic agreement. However, if the transaction merely involves safekeeping of funds, it is more appropriately regarded as wadi‘ah. Thus, the application of hiwalah in digital systems reflects the flexibility of Islamic jurisprudence in harmonizing timeless principles with modern financial realities. The novelty of this study lies in its attempt to reinterpret classical hiwalah principles in the context of digital financial systems.
Co-Authors Ahmad, Habibullah Al Kahfi, Al Kahfi Amalia, Alvina Apdil Abdilah Apdil Abdilah Ardiansyah, Muhammad Farid Abi Arif, Zainal Arsela, Mika ARVAN SANDIKA Azhaari, Hasna Baharudin Ardani Bariek Azka Perdana Darmawati, Nia Dida Novandika Dinda Luthfiaturrahmah Alhaq eko prabowo Eko Prabowo, Eko Fadhilla, Indah Fahmi, M. Fahmi Ashari Fatkhullah, Imam Fatmawati Fatmawati - Fatmawati Fatmawati Fatmawati Fatmawati Fatmawati Fatmawati Fatmawati, Fatmawati Fitrah Amaliah Hasibuan Fitrah Amaliah Hasibuan Handayani, Nur Annisa Tri Harahap, Maratua Hasonangan Hari Risky Syahputra Hari Risky Syahputra Heny May Widiyawati Huzzatul Fikriyah Ibnu Apriani Iqbal Maulana Istianah Kahfi, Al Khoiruddin Ali Rahman Laeli, Azah Nur M Gustar Umam M. Miftahur Rahmat Isnaini M. Miftahur Rahmat Isnaini Mara Umar Mohammad Fahmy Bin Rapaee Muhamad Afdoli Ramadoni Muhammad Dzaki Hawari Muhammad Farid Abi Ardiansyah Muhammad Hafizul Aripin Muhammad Yudha Ardiansyah Mujadid, Shofam Amim Murodhi, Difa Baladissalam nida arafat Nuha, Nuha Nabila Aswari Nuralim, Aip NURRAHMAINI Nurul Alvi Chindi Fadhilah Nurul Alvi Chindi Fadhilah Nurul Fadilah, Nurul Paula Sembiring Rahmat Ramadan Rahmi Nur Azizah Ramadhan, Fitrah Rhohis Kurniawan Robaiyadi Robaiyadi Rubiyanah Sabirin, Yoga Basyiril Sa’idahtul Akmala Yusuf Sembiring, Muhammad Rifaldi Syahputra Shabri, Nabilla Aulia Siti Hayati Nufus Siti Sofiah Rahmawati Siti Sofiah Rahmawati Siti Trizuwani Siti Trizuwani Sofian Syahrizal Syuhudi, Irfan Tegar Efrizal Ummi Sa'adah Ummi Sa’adah Wali, Ahmad Mutawalli Nasution Wisnu Nugraha Yoga Agus Yulianto Yusrin, Erlin Annisa Yuzril Mahendra Yuzril Mahendra Zahira, Hasna Zakaria Syihabudin Zein Ramadhan Rifa’I, M Zen, Fatmawati