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Behavioral Intentions of Online Zakat Users in Indonesia: An Extended TAM with Trust, Security, and Local Cultural Perspectives Ade Sofyan Mulazid; Irhamsyah Putra; Fauzan; Deni Pandu Nugraha
International Journal of Islamic Business and Economics (IJIBEC) Vol 10 No 1 (2026): Volume 10 Nomor 1 Tahun 2026
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ts4ma476

Abstract

This study aims to examine the determinants of behavioral intention among online zakat service users in Indonesia by extending the Technology Acceptance Model (TAM) with the variables of trust and security, and by interpreting the results through the lens of Indonesian local culture. The rapid digitalization of religious philanthropy in Indonesia has expanded the use of online zakat platforms, yet adoption remains uneven and is shaped by concerns that go beyond the classical TAM. Data was collected through an online survey distributed to 120 respondents who were selected by purposive sampling from among users of online zakat platforms. The data were analyzed using Partial Least Squares Structural Equation Modelling (PLS-SEM) with reliability, convergent and discriminant validity, and common method bias diagnostics. The results indicate that perceived usefulness, security, and behavioral intention significantly affect adoption, while perceived ease of use shows an unexpected negative effect and trust shows only a marginal effect. The model explains 38.2 per cent of variance in behavioral intentions. Read against Indonesian patterns of collectivism, religious authority, and gotong royong, the findings suggest that users’ priorities tangible benefits and transactional security over interface simplicity, and they call on zakat institutions to combine platform usefulness and data protection with ulama-led and community-based trust-building strategies to widen digital zakat adoption in Indonesia.
Organizational Support as a Catalyst for Professionalism and Stress Management in Complex Religious Service Systems: A Systematic Literature Review of the Hajj Context Hemmy Fauzan; Ade Sofyan Mulazid; Suhendra Suhendra; Desmadi Saharuddin; Bahrul Yaman; Alaa Mustafa Abdelmaksud Abouagila
Jurnal Pemberdayaan Masyarakat Vol 5, No 1 (2026)
Publisher : Yayasan Keluarga Guru Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46843/jpm.v5i1.653

Abstract

In an era characterized by digital transformation and heightened expectations for service excellence, understanding how organizational support, professionalism, and stress management interact has become increasingly vital. This study aims to synthesize and contextualize existing evidence on these relationships within large-scale, culturally embedded service environments—particularly the Hajj system—through a Systematic Literature Review (SLR). Using the PRISMA 2020 protocol and the TCCM framework, 41 peer-reviewed articles published between 2015 and 2025 were systematically analyzed. The review employed the Job Demands–Resources (JD-R) and Conservation of Resources (COR) models as theoretical anchors while incorporating cross-sectoral and cross-cultural perspectives. Findings reveal that organizational support functions not merely as a buffer against stress but as a transformative mechanism that fosters ethical commitment, mindfulness, and adaptive professionalism. Interestingly, ethical leadership and spirituality emerged as critical mediators linking support mechanisms to service performance—an aspect often overlooked in Western-centric frameworks. Moreover, digital transformation was found to operate as a paradoxical driver, enhancing efficiency yet potentially triggering technostress unless balanced with empathy and inclusive leadership. The review extends the JD-R model by integrating cultural and spiritual dimensions, reframing professionalism as a moral and relational construct. The study contributes a novel conceptual synthesis that bridges ethical, technological, and psychological dimensions of organizational behavior. Practically, it urges institutions—especially in religious or collectivist service systems—to design integrative strategies that harmonize operational performance with human well-being. Future research should adopt longitudinal and mixed-method approaches, exploring AI-enabled mindfulness interventions and cross-cultural comparisons to refine context-sensitive models of organizational resilience. This study contributes by extending the Job Demands–Resources model through the integration of cultural and spiritual dimensions, offering a novel conceptual synthesis that bridges ethical, technological, and psychological aspects of organizational behavior. It also provides practical insights for designing integrative strategies that align digital efficiency with human well-being, particularly in culturally embedded service systems.
The Role of the Constitutional Court in Addressing Centralization Allegations: A Syariah Economic Perspective on Baznas' Contribution to Indonesia's Unified Economic System Yudi Permana; Ade Sofyan Mulazid; Athia Nur Kamilah; Yoghi Citra Pratama; Muhammad Iman Kurniawan; Miftah Hur Rahman Zh; Supriyono Supriyono
Jurnal Pemberdayaan Masyarakat Vol 4, No 4 (2025)
Publisher : Yayasan Keluarga Guru Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46843/jpm.v4i4.639

Abstract

This study provides a comprehensive analysis of the Constitutional Court's role in institutionalizing a centralized governance model for the National Board of Zakat (BAZNAS) and its systemic implications for Indonesia's economic framework from a Shariah economics perspective. By synthesizing extant literature, it elucidates the legal, operational, and philosophical dynamics underpinning BAZNAS’s evolving mandate. Conducted as a Systematic Literature Review (SLR) in accordance with the PRISMA protocol, systematic searches across Scopus and the Watase Uake System identified 95 articles for in-depth thematic analysis. The findings reveal that the centralization of BAZNAS, legitimized by the Constitutional Court’s ruling, establishes a fundamental tension between national administrative efficiency and local philanthropic autonomy. The analysis confirms BAZNAS’s strategic role not only in zakat distribution but also in advancing national objectives of sustainable development and financial inclusion. However, significant governance challenges, particularly regarding transparency and accountability, persistently surface. The research makes a threefold contribution: First, it identifies a critical methodological gap, demonstrating that dominant quantitative approaches have insufficiently captured the qualitative and contextual dynamics behind operational shortcomings. Second, it surfaces underexplored thematic frontiers, notably those of digitalization, technological integration, and BAZNAS’s potential role in global challenges such as climate change. Third, it proposes a structured agenda for future inquiry and practice. The conclusions emphasize the necessity for methodological diversification, comparative international analysis, and deeper investigation into the distributive impacts of centralization and the transformative potential of technology. Practical implications focus on strengthening governance through mechanisms such as blockchain, fostering inter-institutional collaboration, and advocating for more integrative zakat-sector policies. Future research should prioritize rigorous qualitative studies, comparative models, and examinations of BAZNAS’s role in emerging areas such as green finance and the digitalization of Islamic social finance.
The Constitutional Court's Ruling Prevents the Potential Exploitation of Zakat as A Profit Commodity from The Perspective of Sharia Economics Ade Sofyan Mulazid; Ade Ananto Terminanto; Suhendra Suhendra; Supriyono Supriyono; Athia Nur Kamila; Yunia Silvia Sesunan
Jurnal Pemberdayaan Masyarakat Vol 5, No 3 (2026)
Publisher : Yayasan Keluarga Guru Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46843/jpm.v5i3.790

Abstract

This research aims to analyze how the Constitutional Court's decision on zakat safeguards it from the risk of becoming a commodity and to emphasize that sakti constitutional law must be integrated into zakat management. We employ a Systematic Literature Review (SLR) methodology for PMI studies, following PRISMA criteria. From a total of 84 articles, after filtering and reviewing the abstracts, the database exclusion process left 45 relevant articles, which were divided and analyzed into themes typical of Islamic economics, including zakat management, Islamic law, and zakat protection. This study concludes that the Constitutional Court's ruling had significant positive implications for ensuring zakat as a socioeconomic instrument, thereby protecting it from profit exploitation. On the other hand, mobile applications and blockchain can digitalize zakat and improve its transparency and effectiveness, even though they face implementation challenges. This article emphasizes the state's role in zakat management and how technology can improve zakat administration. This study indicates that stronger government interventions are needed to promote the use of technology and improve zakat governance. Research on zakat, especially in light of the Constitutional Court's decision, should be a very important part of discussions on how to implement it and its regional effects, whilst exploring how digitalization can lead to greater transparency and cooperation.
Waqf and the sustainable development goals: examining the pathways of governance and resource utilization in Indonesia Ade Sofyan Mulazid; Yoghi Citra Pratama; M. Arskal Salim GP; Wahdi Sayuti; Yessi Fitri; Muhaimin Muhaimin; M. Syukri
Jurnal Konseling dan Pendidikan Vol. 14 No. 1 (2026): JKP
Publisher : Indonesian Institute for Counseling, Education and Therapy (IICET)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29210/1206300

Abstract

Waqf is an important instrument in Islamic social finance with significant potential to support the achievement of the Sustainable Development Goals (SDGs), particularly in developing countries such as Indonesia. However, the contribution of waqf to sustainable development largely depends on the quality of governance and the effective utilization of waqf assets. This study aims to examine the influence of waqf governance and waqf utilization on the achievement of the SDGs in Indonesia, as well as to analyze their mediating role in the relationship between waqf resources and sustainable development outcomes. This research adopts a quantitative approach using Partial Least Squares Structural Equation Modeling (PLS-SEM). Data were collected from waqf management institutions and relevant stakeholders in Indonesia. The results indicate that waqf governance has a positive effect on SDG achievement (β = 0.2644), while waqf utilization shows a stronger positive influence (β = 0.4958). Furthermore, waqf resources positively affect both governance and utilization. These findings highlight the importance of strengthening governance practices and optimizing the utilization of waqf assets to enhance the contribution of Islamic social finance to sustainable development.
Shariah Audit, Transparency, and the Constitutional Court: Protecting Public Funds from an Islamic Economics Perspective Ade Ananto Terminanto; Ade Sofyan Mulazid; Ridho Fikri Almi; Muhammad Iman Kurniawan; Miftah Hur Rahman Zh
Madania: Jurnal Kajian Keislaman Vol 29, No 2 (2025): DECEMBER
Publisher : Universitas Islam Negeri (UIN) Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/madania.v29i2.9096

Abstract

This study examines the role of Shariah audit and transparency in protecting public funds from an Islamic economics perspective, with a specific focus on the Constitutional Court's role as the ultimate guardian of financial integrity. The research aims to synthesize recent literature to identify prevailing trends, analytical frameworks, and existing gaps in the field. The methodology employed is a Systematic Literature Review (SLR) following the PRISMA protocol, with a search conducted in the Scopus database yielding 50 selected articles for thematic analysis. Key results reveal that Shariah audit serves as a dual governance mechanism ensuring both financial accuracy and Shariah compliance. The Constitutional Court is conceptualized as a pivotal institution executing a modern hisbah function, wielding the authority to annul policies that enable misuse. Findings also indicate significant geographical disparities, a dominance of qualitative approaches, and the disruptive potential of technologies like blockchain and AI in enhancing transparency. However, technological implementation still faces regulatory and capacity-building challenges. The conclusion affirms the necessity of integrating ethical principles (Maqasid al Shariah), audit mechanisms, and judicial oversight. This study contributes to the literature by introducing an integrative analytical framework that links Shariah audit, technological transparency, and constitutional judicial oversight, offering a novel perspective on how modern Islamic governance can institutionalize accountability and safeguard public wealth. Penelitian ini mengkaji peran audit Syariah dan transparansi dalam melindungi dana publik dari perspektif ekonomi Islam, dengan fokus khusus pada peran Mahkamah Konstitusi sebagai penjaga utama integritas keuangan. Penelitian ini bertujuan untuk mensintesis literatur terkini guna mengidentifikasi tren yang berlaku, kerangka kerja analitis, dan kesenjangan yang ada di bidang ini. Metodologi yang digunakan adalah Systematic Literature Review (SLR) dengan mengikuti protokol PRISMA, dengan pencarian yang dilakukan dalam basis data Scopus yang menghasilkan 50 artikel terpilih untuk dianalisis secara tematik. Hasil utama mengungkapkan bahwa audit Syariah berfungsi sebagai mekanisme tata kelola ganda yang memastikan akurasi keuangan dan kepatuhan Syariah. Mahkamah Konstitusi dikonseptualisasikan sebagai institusi pivotal yang menjalankan fungsi hisbah modern, dengan kewenangan untuk membatalkan kebijakan yang memungkinkan penyalahgunaan dana. Temuan juga menunjukkan adanya disparitas geografis yang signifikan, dominan pendekatan kualitatif, dan potensi disruptif teknologi seperti blockchain dan AI dalam meningkatkan transparansi. Namun, implementasi teknologi masih menghadapi tantangan regulasi dan pengembangan kapasitas. Kesimpulan penelitian menegaskan perlunya integrasi prinsip-prinsip etika (Maqasid al-Shariah), mekanisme audit, dan pengawasan yudisial. Studi ini berkontribusi pada literatur dengan memperkenalkan kerangka analitis integratif yang menghubungkan audit Syariah, transparansi teknologi, dan pengawasan yudisial konstitusional, menawarkan perspektif baru tentang bagaimana tata kelola Islam modern dapat melembagakan akuntabilitas dan melindungi kekayaan publik.
Fundraising Strategy in Building Pesantren Economic Independence: An Instrumental Case Study at Pondok Pesantren Darunnajah Lina Adhani; Muhammad Miftah Fudin; Lukman Fahrudin; Komalasari Komalasari; Ade Sofyan Mulazid
AL-FIKRA Vol 25 No 1 (2026): Al-Fikra: Jurnal Ilmiah Keislaman
Publisher : Program Pascasarjana Universitas Islam Negeri Sultan Syarif Kasim Riau

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

Abstract

Economic independence is a structural challenge faced by most Islamic boarding schools (pesantren) in Indonesia, including those that have expanded into large-scale Islamic educational institutions. This study aims to analyze the fundraising strategies implemented by Pondok Pesantren Darunnajah Ulujami, South Jakarta, in building sustainable economic independence, identify the key success factors, and formulate an integrative model that can serve as a reference for other pesantren. The research employs a qualitative approach with a single instrumental case study design. Data were collected through in-depth interviews with 18 key informants, structured observations, and comprehensive document analysis, and subsequently analyzed using the interactive model of Miles, Huberman, and Saldaña. The results reveal four pillars of integrated fundraising strategies implemented by Darunnajah: (1) asset-based productive waqf optimization, encompassing properties, agribusinesses, and commercial facilities; (2) systematic and accountable management of Zakat, Infaq, and Alms (ZIS); (3) development of autonomous business units under separate corporate legal entities; and (4) strategic partnerships grounded in alumni social capital and corporate networks. Three primary success determinants were identified: the transformational leadership of the pesantren leaders, financial governance transparency based on Islamic accounting standards, and the strength of the social capital within the Darunnajah alumni network scattered across various strategic sectors. These findings yield the Darunnajah Pesantren Fundraising Model (MFPD) as a theoretical contribution to the field of Islamic education management, along with practical implications for the policy development of national pesantren economic strengthening.
Religiosity, Islamic Lifestyle, and the Adoption of Edutainment Television Among Muslim Viewers: An Extended Technology Acceptance Model Fatmawati Fatmawati; Ade Sofyan Mulazid; Armawati Arbi; Kalsum Minangsih
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.v6i1.42147

Abstract

This study examines the factors that influence the intention and actual behavior of Muslim viewers in watching edutainment television. It applies an extended Technology Acceptance Model (TAM) in which religiosity serves both as a direct predictor and as a moderator of the link between intention and behavior. Survey data were collected from 216 Muslim respondents in the Jakarta metropolitan. The data were analyzed with Partial Least Squares Structural Equation Modeling (PLS-SEM). The results show that religiosity significantly predicts the intention to watch and actual viewing of edutainment television. Behavioral intention is the strongest predictor of actual viewing. Religiosity also positively moderates the relationship between intention and actual viewing. The study implies that value-based constructs must be incorporated into TAM when the object of adoption is religiously meaningful content, and that religiosity serves as a bridging mechanism in the intention-to-behavior relationship rather than merely as an additional antecedent. The study is limited by a purposive sample drawn from a single metropolitan region and by a cross-sectional, self-reported design.
Strategi Fundraising dalam Membangun Kemandirian Ekonomi Pesantren: Studi Kasus Instrumental di Pondok Pesantren Darunnajah Lina Andhani; Muhammad Miftah Fudin; Lukman Fahrudin; Komalasari; Ade Sofyan Mulazid
AL-FIKRA Vol 25 No 1 (2026): Al-Fikra: Jurnal Ilmiah Keislaman
Publisher : Program Pascasarjana Universitas Islam Negeri Sultan Syarif Kasim Riau

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

Abstract

Kemandirian ekonomi masih menjadi tantangan struktural bagi banyak pesantren di Indonesia, termasuk lembaga pendidikan Islam berskala besar. Penelitian ini menganalisis strategi penggalangan dana Pondok Pesantren Darunnajah Ulujami, Jakarta Selatan, dalam memperkuat kemandirian ekonomi berkelanjutan, mengidentifikasi faktor-faktor kunci keberhasilan, dan mengembangkan model integratif untuk pesantren lain. Penelitian ini menggunakan pendekatan kualitatif dengan desain studi kasus instrumental tunggal. Data dikumpulkan melalui wawancara mendalam terhadap 18 informan kunci, observasi terstruktur, dan analisis dokumen, serta dianalisis menggunakan model interaktif Miles, Huberman, dan Saldaña. Temuan ini mengungkapkan empat strategi penggalangan dana yang terintegrasi: (1) optimalisasi wakaf produktif melalui properti, agribisnis, dan aset komersial; (2) pengelolaan Zakat, Infaq, dan Sedekah (ZIS) yang sistematis dan akuntabel; (3) mengembangkan unit usaha mandiri melalui badan hukum korporasi tersendiri; dan (4) menjalin kemitraan strategis berdasarkan modal sosial alumni dan jaringan perusahaan. Tiga faktor kunci keberhasilan diidentifikasi: kepemimpinan transformasional, tata kelola keuangan yang transparan berdasarkan prinsip akuntansi Islam, dan modal sosial alumni yang kuat. Temuan ini berkontribusi pada pengembangan Model Penggalangan Dana Pesantren Darunnajah (MFPD), yang menawarkan wawasan teoritis untuk manajemen pendidikan Islam dan panduan praktis untuk memperkuat kemandirian ekonomi pesantren di Indonesia.
Halal FinTech Models and Sharia MSME Strengthening: Digital Financial Inclusion in Indonesia Ahmad Syaifullah; Athia Nur Kamilah; Ade Sofyan Mulazid
Ethiconomics: Journal of Islamic Banking and Finance Vol. 1 No. 01 (2026): Ethiconomics: Journal of Islamic Banking and Finance (June)
Publisher : Jambi Tuah Tengganai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64929/ethiconomics.v1i01.5

Abstract

The rapid expansion of digital finance in the Society 5.0 era has reshaped how Sharia-based Micro, Small, and Medium Enterprises (MSMEs) access capital, conduct transactions, and manage business operations. Despite the strong demographic potential of Muslim-majority markets, Sharia MSMEs continue to face persistent barriers in financial inclusion, including limited access to formal financing, low digital literacy, and weak integration with halal value chains. This study examines the role of Halal FinTech business models in strengthening Sharia MSMEs and formulates strategies for digital financial inclusion. Using a mixed-methods approach, the research surveyed 312 Sharia MSME actors across five major regions in Indonesia and conducted in-depth interviews with 18 key informants from FinTech operators, regulators, and Islamic financial scholars. Quantitative data were analyzed using Structural Equation Modeling-Partial Least Squares (SEM-PLS), while qualitative data were analyzed thematically. The findings reveal that Halal FinTech business models particularly peer-to-peer financing, equity crowdfunding, and Sharia digital payment platforms significantly contribute to the strengthening of Sharia MSMEs through three primary mechanisms: improved capital accessibility, enhanced operational efficiency, and broader market reach. The integration of Sharia compliance, digital literacy programs, and human-centered technology characteristic of Society 5.0 emerges as a strategic foundation for inclusive growth. The study contributes a novel framework that aligns Halal FinTech business architecture with maqashid sharia principles and digital ecosystem requirements.
Co-Authors Abdul Aziz Abdul Hakim Abunazar Alim Ade Ananto Terminanto Ade Ananto Terminanto Ade Suherlan, Ade AFRIANDI, REDHO Ahmad Rodoni Ahmad Syaifullah Ahmad Yani Al-Arif, Mohammad Nur Rianto Alaa Mustafa Abdelmaksud Abouagila Angger Rian Fahreza Arfiani, Lydia Rahmadhini Arif Kurniawan Armawati Arbi Astriana, Nina Athia Nur Kamila Athia Nur Kamilah Athia Nur Kamilah Bahrul Yaman Basse, IIntannes Putri Basse, IIntannes Putri Deni Pandu Nugraha Desmadi Saharuddin Desmadi Saharuddin Desmadi Saharuddin, Desmadi Dewi Kurniasari Dita Meyliana Duna Izfanna Erik Rif’ad Hendra Putra Evi Susanti Fadilah, Ligar Fathoni, Muhammad Anwar Fatmawati Fatmawati Fatmawati, Fatmawati Fauzan Fikri, Muhammad Zainul Fikri, Muhammad Zainul Hadiyanto Arief HASNADINA, PUTRI SAULA Helsa Nasution Hemmy Fauzan HERNI ALI HT HT, HERNI ALI IIntannes Putri Basse Inayatul Chusna Irhamsyah Putra Kalsum Minangsih Komalasari Komalasari Komalasari Ligar Fadilah Ligar Fadilah Lina Adhani Lina Andhani Lukman Fahrudin Luthfiah Mawar Lydia Rahmadhini Arfiani M. Agung Rahmadi M. Arskal Salim GP M. Syukri Makhdaleva Hanura Tajudin Meirani Rahayu Rukmanda Meirison Meirison Meirison Meirison, Meirison Meyliana, Dita Miftah Hur Rahman Zh Minda Sari Nur Jamilah Much Hasan Darojat Mufliha, Nurul Mudhiatil Mufraini, M. Arief Muhaimin Muhaimin Muhammad Iman Kurniawan Muhammad Miftah Fudin Murodi Murodi Musthofa Musthofa Nur Hidayah Nurjanah, Risna Nurzahara Sihombing Putra, Erik Rif’ad Hendra PUTRI SAULA HASNADINA RATU VIEN SYLVIA AZIZA RATU VIEN SYLVIA AZIZA, RATU VIEN SYLVIA Redho Afriandi Refani Nuril Husna Ridho Fikri Almi Rio Kartika Supriyatna Risna Nurjanah Sesunan, Yunia Silvia Sholikul Hadi Sisca Juliana Sofwan Manaf Suhaimi, Ahmad Suhendra Suhendra Suhendra Suhendra Supriyono Supriyono Supriyono Supriyono Supriyono Supriyono Syadzily, Tb. Ace Hasan Tb. Ace Hasan Syadzily Terminanto, Ade Ananto Vista Qonitah Qotrun Nuha Wahdi Sayuti Wathoni, Abdul Wahid Wicaksono, Ahmad Tibrizi Soni Yessi Fitri Yoghi Citra Pratama Yoghi Citra Pratama Yudi Permana yunia silvia sesunan Yunia Silvia Sesunan Yunia Silvia Sesunan