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Beyond Religiosity: How Social Capital Drives Institutional Zakat Payment Preferences in Indonesia - A Behavioural Economics Analysis Djayusman, Royyan Ramdhani; Ibnu, Adi Rahmannur; Lahuri, Setiawan bin; Jalili, Ismail
Economica: Jurnal Ekonomi Islam Vol. 16 No. 2 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2025.16.2.26477

Notwithstanding the fact that Indonesia has the world’s largest Muslim population, zakat collection through formal institutions is substantially below expectations. In light of this shortfall, this study investigates the interplay between religiosity and social capital on individual preferences for zakat payments and the proportion allocated to official zakat agencies, with the overarching aim of contextualizing the fiqh zakat framework in contemporary Indonesia. Drawing upon the data from a nationwide survey of 794 respondents, the empirical analysis employs Linear Probability Model (LPM) and Poisson Pseudo Maximum Likelihood (PPML) regression techniques to examine the determinants of zakat payment behaviour. Findings reveal that social capital significantly increases both the likelihood of choosing zakat institutions and the portion of zakat paid through them. In contrast, religiosity shows a weaker direct effect on institutional zakat payment. Taken together, these results highlight the pivotal role of social networks and trust in enhancing institutional zakat collection. Therefore, the study advocates for a strategic reform of fiqh zakat practices that integrate social capital strategies to reinforce religiosity and improve zakat compliance through formal channels.

REVITALISASI USAHA MIKRO DI DESA GANDU MELALUI PENERAPKAN STRATEGI BISNIS YANG EFEKTIF UNTUK PERTUMBUHAN BERKELANJUTAN Amilia Yuni Damayanti; Arief Rahmawan; Khurun'in Zahro'; Akhmad Affandi Mahfudz; Royyan Ramdhani Djayusman
Jurnal Pengabdian Pendidikan Masyarakat (JPPM) Vol 6 No 2 (2025): Jurnal Pengabdian Pendidikan Masyarakat (JPPM), Vol 6 No 2 (Oktober 2025)
Publisher : LPPM UNIVERSITAS MUHAMMADIYAH MUARA BUNGO

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52060/jppm.v6i2.2840

Microenterprises (MSEs) in Gandu Village have great economic potential, but still face challenges in improving competitiveness and sustainable growth. The main problems faced by UM actors include limitations in preparing business strategies, inefficient production management, and low utilization of digital technology in marketing. One of the businesses facing these challenges is Bu Nor's Krecek Krupuk UM. The purpose of this service activity is to increase partners' capacity in formulating effective business strategies, increasing production efficiency, utilizing digital technology for marketing, and improving financial management to encourage sustainable business growth. The method used is a participatory approach through three stages: preparation, implementation, and evaluation, which actively involves partners in the entire process. The results of this activity show an increase in the understanding and skills of business actors in developing business strategies, applying digital marketing techniques, and improving production management. Post-training evaluation shows that the strategies that have been developed are able to help businesses increase production capacity and competitiveness in the market. With this training and mentoring, UM Krecek Krupuk Bu Nor is expected to develop sustainably, improve the quality and quantity of its products, expand its marketing reach, and increase its income.

Integrating Good Governance Business Sharia into Maqasid Sharia: Evidence from Islamic Rural Banks in Indonesia Zarkasyi, Muhammad Ridlo; Handayani, Agung Lia; Lahuri, Setiawan bin; Djayusman, Royyan Ramdhani; Ibnu, Adi Rahmannur
Islamiconomic : Jurnal Ekonomi Islam Vol 16, No 1 (2025)
Publisher : Universitas Islam Negeri Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/ijei.v16i1.906

This study explores the implementation of Good Governance Business Sharia (GGBS) at PT BPRS Mitra Mentari Sejahtera through the framework of Maqasid Shariah. The research examines how governance principles rooted in Sharia values are translated into institutional practices and how they contribute to the realization of ethical and sustainable business objectives. Using a descriptive qualitative approach with a case study design, data were collected through interviews, documentation, and institutional reports, then analyzed using Atlas.ti 09. Findings reveal that BPRS Mitra Mentari Sejahtera has effectively incorporated GGBS principles by promoting transparency, accountability, and adherence to Sharia ethics. However, limited public disclosureâ€”particularly the unavailability of annual reportsâ€”remains a major challenge, potentially weakening stakeholder trust and institutional credibility. The study emphasizes the need for stronger transparency mechanisms, enhanced collaboration with Sharia supervisory bodies, and continuous education to reinforce Maqasid Shariah within governance structures. Overall, this research underscores the pivotal role of GGBS in achieving Sharia objectives and advancing ethical governance in the Islamic financial sector.

Analisis Risiko Akad Syariah pada Pembiayaan KPR; Studi Perbandingan Akad Istishna, Musyarakah Mutanaqishah, dan Ijarah Muntahiyah Bittamlik Djayusman, Royyan Ramdhani; Nurafni, Fina
Al-Muamalat Jurnal Hukum dan Ekonomi Syariah Vol 10 No 2 (2025): Al-Muamalat: Jurnal Hukum dan Ekonomi Syari'ah
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/muamalat.v10i2.11200

This study aims to analyze and compare the inherent risks in the three main contracts used in Sharia mortgage financing (KPR), namely Istishna, Musyarakah Mutanaqishah, and Ijarah Muntahiyah Bittamlik. This article is categorized as a literature-based study with a qualitative approach. The methodology employed is a normative legal study presented comparatively. The results indicate that each contract has distinct risk characteristics: the Istishna contract faces a high risk of delivery failure, the Musyarakah Mutanaqishah contract is exposed to risks of installment payment delays and top-up requests, while the Ijarah Muntahiyah Bittamlik contract carries lower risks with a simpler structure and flexibility in ownership transfer. These findings provide recommendations for Islamic financial institutions to tailor contract choices according to customer profiles and operational risks in order to enhance the effectiveness and sustainability of Sharia mortgage financing.

The Role Of Inflation, Exchange, Exports And Imports On Economic Growth Of Qatar Triyawan, Andi; Cahyo, Eko Nur; Djayusman, Royyan Ramdhani
Wacana Equiliberium (Jurnal Pemikiran Penelitian Ekonomi) Vol 11 No 02 (2023): Wacana Equiliberium (Jurnal Pemikiran Penelitian Ekonomi) : Desember 2023
Publisher : Unversitas Islam Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31102/equilibrium.11.02.142-147

Penelitian ini bertujuan untuk menganalisis bagaimana nilai tukar, inflasi, ekspor, dan impor mempengaruhi pertumbuhan ekonomi Qatar antara tahun 2000 dan 2020. Penelitian ini menggunakan regresi linier berganda sebagai metodologinya dan memperoleh data nilai tukar, ekspor, impor, dan inflasi. dari Bank Dunia. Temuan penelitian menunjukkan bahwa perubahan nilai tukar, inflasi, ekspor, dan impor semuanya berdampak pada PDB Qatar. Dengan kata lain, perbaikan pada faktor-faktor tersebut menyebabkan peningkatan PDB, sedangkan pengaruh negatif terhadap faktor-faktor tersebut mengakibatkan penurunan PDB. Selain itu, penelitian ini mengungkapkan korelasi positif antara nilai tukar Qatar dan pertumbuhan ekonominya. Artinya, ketika nilai tukar naik, maka tingkat pembangunan ekonomi juga meningkat.

Pembiayaan Defisit APBN menurut Umer Chapra (Studi Analisis Kritik terhadap Pembiayaan Defisit APBN Indonesia Periode 2010-2015) Djayusman, Royyan Ramdhani; Fatturroyhan, Fatturroyhan
Jihbiz : Jurnal Ekonomi, Keuangan dan Perbankan Syariah Vol 1 No 2 (2017)
Publisher : Universitas Islam Raden Rahmat

The Indonesian State Budget uses the concept of a deficit as a stimulus for economic growth. This deficit is financed by loans, both internally and externally, which contain elements of usury that will eventually lead to inflation and sometimes even lead to recession and economic depression. Meanwhile, conditions that should be deficit are financed in a way that does not contain usury and maintains economic stability. This study aims to determine the deficit financing of the Indonesian State Budget for 2010-2015 and to conduct a critical analysis of the deficit financing of the Indonesian State Budget for 2010-2015 in terms of Umer Chapra's thinking. This study uses a type of literature research, with the method of critical analysis. This research shows that the deficit financing of the Indonesian State Budget in 2010-2015, budget deficit financing comes from two sources, namely debt financing consisting of domestic loans and foreign loans, and non-debt financing consisting of tax revenues, management or privatization of BUMN, and asset management results. From the analysis of criticism of Indonesia's deficit financing, the researcher criticizes 3 elements, namely revenue, financing, and expenditure of the State Budget. The main problem is that the financing of the APBN deficit uses foreign debt instruments that contain elements of usury and weakens the capacity of the subsequent APBN, while there is another alternative, namely the state Sukuk to cover the APBN deficit. In other words, that the foreign debt carried out by the government weakens the APBN itself with its principal debt burden and interest installments. From the non-debt side, the revenue from tax collection that occurs is unfair, and the privatization of BUMNs that occurs is detrimental to the state. Meanwhile, in terms of APBN expenditures for financing have not prioritized public welfare, it can be seen from the 2010-2015 APBN expenditure budget post that has swelled in the military defense budget post.

Analysis of Ta’alluq Potential in Murabahah Bil Wakalah Scheme (BTN Syariah Solo) Djayusman, Royyan Ramdhani; Istiqomah, Inna Putri; Azuha, Difa’ul Haq
Journal of Islamic Economics Perspectives Vol. 7 (2025): Journal of Islamic Economics Perspectives - Special Issue
Publisher : Faculty of Islamic Economics and Business, State Islamic University of Kiai Haji Achmad Siddiq Jember, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35719/96yxcv98

In the Islamic financial industry, compliance with Sharia principles is a key factor in maintaining public trust and ensuring the legitimacy of financial products. One of the challenges that arises is the implementation of multi-contract transactions, such as in the execution of the murabahah bil wakalah contract at Bank BTN Syariah KCP Solo. The purpose of the research is to analyze Sharia compliance in the practice of murabahah bil wakalah financing at Islamic banks, specifically at Bank BTN Syariah KCP Solo. The murabahah bil wakalah financing involves two contracts: the wakalah contract and the murabahah contract, which are interrelated, even though they are formally separate. This study will explore how the Islamic bank ensures that both contracts comply with Sharia rules, particularly in terms of the separation of the contracts. The study also discusses the potential occurrence of ta’alluq that may arise due to the interdependence between the wakalah and murabahah contracts, as well as its impact on the freedom of customers in their choice. The research method used in this study is qualitative descriptive, and the data are analysed using thematic analysis. The findings show that, although the wakalah and murabahah contracts are formally separated, they remain substantively connected in supporting a shared objective. This study identifies challenges in ensuring Sharia compliance. It provides recommendations for Islamic banks to maintain the integrity of Sharia products by prioritizing transparency, fairness, and customer freedom in every transaction.

REVITALISASI USAHA MIKRO DI DESA GANDU MELALUI PENERAPKAN STRATEGI BISNIS YANG EFEKTIF UNTUK PERTUMBUHAN BERKELANJUTAN Amilia Yuni Damayanti; Arief Rahmawan; Akhmad Affandi Mahfudz; Royyan Ramdhani Djayusman; Khurun'in Zahro'
Jurnal Pengabdian Pendidikan Masyarakat (JPPM) Vol 6 No 2 (2025): Jurnal Pengabdian Pendidikan Masyarakat (JPPM), Vol 6 No 2 (Oktober 2025)
Publisher : LPPM UNIVERSITAS MUHAMMADIYAH MUARA BUNGO

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52060/jppm.v6i2.2840

Microenterprises (MSEs) in Gandu Village have great economic potential, but still face challenges in improving competitiveness and sustainable growth. The main problems faced by UM actors include limitations in preparing business strategies, inefficient production management, and low utilization of digital technology in marketing. One of the businesses facing these challenges is Bu Nor's Krecek Krupuk UM. The purpose of this service activity is to increase partners' capacity in formulating effective business strategies, increasing production efficiency, utilizing digital technology for marketing, and improving financial management to encourage sustainable business growth. The method used is a participatory approach through three stages: preparation, implementation, and evaluation, which actively involves partners in the entire process. The results of this activity show an increase in the understanding and skills of business actors in developing business strategies, applying digital marketing techniques, and improving production management. Post-training evaluation shows that the strategies that have been developed are able to help businesses increase production capacity and competitiveness in the market. With this training and mentoring, UM Krecek Krupuk Bu Nor is expected to develop sustainably, improve the quality and quantity of its products, expand its marketing reach, and increase its income.

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