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Does Integrated Social Spending and Zakat-Infaq-Sadaqah Improve Welfare in Indonesia? Herlin, Herlin; Beik, Irfan Syauqi; Irfany, Mohammad Iqbal
Share: Jurnal Ekonomi dan Keuangan Islam Vol. 14 No. 2 (2025): IN PROGRESS
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/share.28250

Abstract

Human capital is widely acknowledged not only as a key driver of economic growth and poverty reduction but also as the ultimate objective of development, focused on expanding human freedoms. While government social spending is intended to achieve welfare objectives, it remains insufficient to fully finance public goods, necessitating alternative funding sources. Zakat, Infak, and Sedekah (ZIS) funds represent potential complementary resources, given their shared objective of promoting social welfare. This study aims to examine the role of integrated financing—social spending and ZIS—in enhancing human development in Indonesia. Using panel data from 34 provinces over the period of 2013–2022 and applying the System Generalized Method of Moments (Sys-GMM), the analysis evaluates both the independent and interactive effects of these funding sources. The findings reveal that social spending and ZIS individually exert a positive and significant effect on human development, while their integration produces a stronger and more substantial impact. These results highlight the importance of harmonizing Islamic social finance with state expenditures to accelerate human development outcomes. The study contributes to the literature as the first to apply a Sys-GMM approach in examining the interaction between social spending and ZIS, offering novel insights into the design of sustainable and inclusive development financing in Indonesia. Abstrak Apakah Integrasi Pengeluaran Sosial dan ZIS dapat Meningkatkan Kesejahteraan di Indonesia? Sumber daya manusia diakui tidak hanya sebagai pendorong utama pertumbuhan ekonomi dan pengentasan kemiskinan, tetapi juga sebagai tujuan akhir pembangunan yang berfokus pada perluasan kebebasan manusia. Meskipun pengeluaran sosial pemerintah ditujukan untuk mencapai tujuan kesejahteraan, alokasi tersebut belum cukup untuk sepenuhnya membiayai kebutuhan publik, sehingga diperlukan sumber pendanaan alternatif. Dana Zakat, Infak, dan Sedekah (ZIS) dipandang sebagai sumber daya pelengkap karena memiliki tujuan yang sama dalam meningkatkan kesejahteraan masyarakat. Penelitian ini bertujuan mengkaji peran pendanaan terintegrasi—pengeluaran sosial dan dana ZIS—dalam meningkatkan pembangunan manusia di Indonesia. Dengan menggunakan data panel dari 34 provinsi selama periode 2013–2022 serta pendekatan System Generalized Method of Moments (Sys-GMM), analisis dilakukan untuk mengevaluasi pengaruh langsung maupun interaksi dari kedua sumber dana tersebut. Hasil penelitian menunjukkan bahwa pengeluaran sosial dan dana ZIS masing-masing berpengaruh positif dan signifikan terhadap pembangunan manusia, namun ketika digabungkan, pengaruhnya menjadi lebih kuat dan substansial. Temuan ini menegaskan pentingnya harmonisasi antara keuangan sosial Islam dan belanja negara untuk mempercepat pencapaian pembangunan manusia. Penelitian ini berkontribusi sebagai studi pertama yang menerapkan Sys-GMM dalam menganalisis interaksi antara pengeluaran sosial dan ZIS, sekaligus memberikan wawasan baru mengenai perancangan pembiayaan pembangunan berkelanjutan dan inklusif di Indonesia.
Analisis Partisipatif terhadap Tantangan dan Peluang Petani Talas di Kabupaten Bogor Eka Maulidiya, Sherly; Suwandi, Syifa Damaianti; Irfany, Mohammad Iqbal; Rahmawati, Nur Fajri; Amirah, Nurul; Oktaviona, Winda; Alghifari, Ahmad Fadli; Cahyaningrum, Laeli Dyah Tantri; Santosa, Edi
Jurnal Pusat Inovasi Masyarakat Vol. 7 No. 2 (2025): Oktober 2025
Publisher : Direktorat Pengembangan Masyarakat Agromaritim, Institut Pertanian Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/jpim.7.2.271-287

Abstract

Taro (Colocasia esculenta) as a leading commodity in Bogor Regency faces challenges in technology adoption, price fluctuations, and post-harvest infrastructure, so a participatory approach such as a Focus Group Discussion (FGD) is needed to formulate innovative and applicable solutions. This FGD activity aims to identify challenges, opportunities, and strategic solutions for taro farmers in Bogor Regency. Bogor taro is one of the leading commodities with high economic potential, both for the local market and for export. However, farmers face various challenges, such as low adoption of modern technology, price fluctuations, limited access to capital, weak farmer group organizations, and pest and disease attacks. The FGD was carried out in several stages, namely preparation, group discussion, data analysis, and follow-up. The FGD involved 29 participants consisting of taro farmers with diverse profiles based on age, education, farming experience, and land area. The results of the FGD showed several opportunities, such as the development of taro-based processed products, organic farming practices, and export potential. The proposed strategic solutions included technical training to increase productivity, diversification of processed products, government policy support, and strengthening the role of women and youth in farming. The results of this activity are expected to serve as a guide for stakeholders to promote the sustainability and development of the taro farming sector in Bogor Regency. 
Determinants of Saving Intentions in Islamic Current Accounts: Empirical Evidence from Muslim Community in Indonesia Fitri, Resfa; Sutito, Yolanda M. M.; Irfany, Mohammad Iqbal
Islamic Economics Methodology Vol. 4 No. 2 (2025): Islamic Economics Methodology
Publisher : SMART Insight

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58968/iem.v4i2.620

Abstract

The growth of current accounts is still far behind compared to savings and deposits. West Jakarta as the region with the highest Islamic bank assets still shows low DPK growth, especially in Islamic current accounts. This research aims to identify the characteristics of respondents and variables that affect the interest of Muslim communities in West Jakarta to save funds in Islamic current accounts. The method used is descriptive analysis and SEM-PLS analysis with the number of respondents involved in this study as many as 175 Muslims in West Jakarta. The results showed that the variables of attitude, reputation, behavioral control,.and subjective norms had a positive and significant influence, while profit sharing and product had a positive but insignificant effect, and the promotion variable has a negative and insignificant effect on the intention of West Jakarta Muslim Community saving funds in the Islamic current account.
Factors affecting household debt to moneylenders Mustika, Mustika; Hasanah, Neneng; Irfany, Mohammad Iqbal
Annals of Human Resource Management Research Vol. 3 No. 1 (2023): March
Publisher : Goodwood Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/ahrmr.v3i1.1578

Abstract

Purpose: Moneylenders, sometimes called 'loan sharks' due to their high interest rates, are informal financial institutions that offer loans not in line with Islamic law. This study analyzes the factors that influence the behavior of households regarding debt to moneylenders. Research Methodology: This research employs descriptive and logistic regression analyses using primary data collected from locals in Jagapura village, Cirebon. Result: The results indicate that basic household necessities determine their debt behavior. However, Islamic financial literacy and increasing income present effective solutions for moneylenders to overcome their debt. Limitation: This study is based on primary data from a specific village, Jagapura, in Cirebon, which may not be representative of all households in debt to moneylenders in other regions or settings. Contribution: The study suggests that Islamic financial institutions should assist unbankable communities needing funds for daily expenses by performing social functions such as offering interest-free loans (qardhul hasan) and providing Islamic social finance. The establishment of sharia compliant savings and loans could also be a solution to usury-related issues.
Co-Authors Aam Slamet Rusydiana Aam Slamet Rusydiana Aam Slamet Rusydiana, Aam Slamet Aceng Hidayat Achsani, Muhammad Nur Faaiz Fathah Afiana, Riyyun Ahmad Izzuddin Aisyah, Tasya Nur Al Muharram, Muhammad Shiddiq Al Zahroh, Dina Naba Albajili, Abi Nubli Alda Luthfiana Alfiasari Alghifari, Ahmad Fadli Amirah, Nurul Anggini, Karlita Anggraini, Lilik Asep Nurhalim Aulia Nur Cahyani Cahyaningrum, Laeli Dyah Tantri Camara, Bumi Daffa Aqomal Haq Daffa Aqomal Haq Dharmarianti, Dian Putri Dwi Hastuti Edi Santosa Eka Maulidiya, Sherly Erliza Noor Euis Sunarti Fadhila Meithasari Nurtjahjo Fiona Ramadhini Fitri, Resfa Fitriyatustany Fitriyatustany Handian Purwawangsa Haq, Daffa Aqomal Hasanah, Qoriatul Herlin, Herlin Hutajulu, Ivonia R. Ikhsana, Nadya Ramadhani Indah Sulistya Indriansyah, Albertty Intan Aulia Ardhani Irfan Syauqi Beik Isbayu, Muhammad Istiqlaliyah Muflikhati Izzah, Hanifah Nurul JAENAL EFFENDI Kusumaningrum, Devina D. Laily Dwi Arsyianti Lilik Noor Yuliati Luthfiana, Alda Maulidiya, Sherly Eka Mayadis, Diki Candra Melinda, Vera Melly Latifah Muhammad Afifuddin Abdurrosyid Kamil Muhammad Wildan Syakuro Muslich, Muhammad Ayyub Mustika Mustika Muthohharoh, Marhamah Nadiya Ulfa Neneng Hasanah Neneng Hasanah Ningsih, Sri Rahayu Nur Wulan Nursyamsiyah, Tita Oktaviona, Winda Priyanto, Anindia Meil Putri, Fatimah Iskandar Putri, Syifa Izzati Anzania Putri, Uly Anggraeni Qoriatul Hasanah Rafki, Muhammad Rahmat, Muhammad Alifka Rahmawati, Nur Fajri Ramadhini, Fiona Ramadini, Kintan Nur Ramdhani, Arlita Ranti Wiliasih Rezkyarta, Alif Rosmala, Novia Setiawan, Alfianto Hendry Sofina Mujadiddah Sri Rahayu Sri Rahayu Ningsih Susanto, Astiani Sutito, Yolanda M. M. Suwandi, Syifa Damaianti Tamaulina Br Sembiring Tiara Early Afifah Tieman, Marco Tita Nursyamsiah Tita Nursyamsiah, Tita Tsany, Fadhlan Tsany, Fadhlan Muhammad Ulfa, Nadiya Ulhaqqi, Muhammad Fikra Yafi Vitriara Ahsana Nadya Widya Syafitri Yulina Eva Riany Zidan, Muhamad