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Analysis of the Zakat Potential for the National Board of Zakat Republic of Indonesia Farchatunnisa, Hidayaneu; Zaenal, Muhammad Hasbi; Hartono, Nono
International Journal of Zakat Vol 8 No Special (2023): International Journal of Zakat
Publisher : Center of Strategic Studies (PUSKAS) BAZNAS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37706/ijaz.v8i2.459

One of the important aspects in increasing zakat management is regarding the accuracy of the implementation of zakat collection strategies. As stated within the BAZNAS RI Strategic Plan Year 2020-2025, the main priority program to achieve the collection targets is through mapping the zakat potential based on the respective areas starting from the District/City levels, to the Provincial and finally National levels. Through utilizing the IPPZ measurement method, the zakat potential of BAZNAS RI which has been mapped in this study covers the following zakat objects: zakat on income of civil workers from ministries and government institutions, zakat on income of national corporate employees, zakat on income of TNI (the national army) and national police, zakat on income of BI and OJK employees, zakat on income of State-Owned Enterprises employees, ans zakat on income of DPR RI (House of People Representatives) members. The results of the measurement show that the total zakat potential of BAZNAS RI sums up to Rp 5,8 trillion.

Impact of Human Development and Information and Communication Technology Development Indexes on Digital Zakat: Evidence from Indonesia Adibah, Nur; Rahmah, Maylina Syarifah; Zaenal, Muhammad Hasbi
International Journal of Zakat Vol 9 No Special (2024): International Journal of Zakat
Publisher : Center of Strategic Studies (PUSKAS) BAZNAS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37706/ijaz.v9iSpecial.481

This study investigates the impact of the Human Development Index (HDI) and the Information and Communication Technology Development Index (ICT-DI) on the digital zakat in Indonesia. The HDI variable is proxied by the quality of human resources, while ICT-DI is measured by the number of internet users. This study uses a multiple linear model to analyze such an impact. Multiple regression tests are used to determine the particular effect of HDI and ICT-DI on the growth rate of digital zakat. The results show that HDI has partially a significant effect on the digital zakat growth rate. ICT-DI also has a significant and positive influence on digital zakat. At the same time, HDI and ICT-DI have a significant effect on the growth rate of digital zakat. These results have implications for increasing HDI and ICT-DI that can positively impact on the growth rate of digital zakat.

Comparative Analysis of the Financial Performance of Islamic Banking in Indonesia and Malaysia During the Covid-19 Pandemic Safitri, Ika; Pramono, Sigid Eko; Zaenal, Muhammad Hasbi
International Journal of Economics (IJEC) Vol. 3 No. 1 (2024): January-June
Publisher : PT Inovasi Pratama Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55299/ijec.v3i1.900

Financial performance as a measuring tool to determine the process of implementing financial resources owned by the company. The Covid-19 pandemic has had a significant impact on Islamic banking. where Malaysia and Indonesia are the leading countries in the development of the Sharia economy, of course they are affected by the Covid 19 Pandemic. The purpose of this study is to compare the financial performance of Islamic banking in Indonesia and Malaysia before and during the Covid 19 pandemic. The data analysis technique used is the independent sample t test. The variables being compared are NPF, FDR, ROA, ROE, CAR, and BOPO. The sample used in this study is in the form of sharia banking performance reports issued by financial services authorities from each country before and during the Covid-19 pandemic, namely from 2018-2021. The results show that in Islamic banking in Indonesia there are significant differences only in the CAR variable, while for NPF, FDR, ROA, ROE, and BOPO there are no significant differences between before and during COVID-19. Meanwhile, in Islamic banking in Malaysia, there are significant differences only in the BOPO variable, while for NPF, FDR, ROA, ROE, and CAR there are no significant differences between before and during COVID-19. And for the comparison of performance between Indonesian and Malaysian Islamic Banking, there is a significant difference in the performance of the two countries except for the NPF variable, there is no significant difference between the NPF of Indonesian Islamic Banks and Malaysian Islamic Banks during the 2018-2021 period

Mapping Zakat Potential at the City Level in Indonesia and Strategies for Optimizing Zakat Collection Zaenal, Muhammad Hasbi; Noor, Zainulbahar; Hartono, Nono; Choirin, Muhammad; Salihovic, Elnur
Economica: Jurnal Ekonomi Islam Vol. 13 No. 1 (2022)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2022.13.1.12323

Zakat, a core pillar of Islam, serves as an essential tool for wealth redistribution and socio-economic welfare. Despite Indonesia being home to the largest Muslim population globally, research on its zakat potential remains underdeveloped. This study aims to map the zakat potential across 510 cities and districts in Indonesia and propose strategies for optimizing zakat collection. Using the Indicators for Zakat Potential Mapping (IPPZ) framework developed by PUSKAS BAZNAS in 2019, secondary data from various official sources were aggregated to estimate zakat potential by province and zakat object. The results show that DKI Jakarta has the highest potential, totaling IDR 64.5 trillion, followed by East Java and West Java. Zakat on agricultural products, livestock, cash, corporate zakat, and professional income are the key contributors to this potential, with regional variations. The study's novelty lies in its detailed local-level zakat mapping, offering fresh insights into regional zakat potential. Additionally, it presents innovative strategies for enhancing zakat collection through decentralized efforts at the village, sub-district, and city levels, contributing to more effective zakat management and socio-economic development in Indonesia.

Pengaruh Religiositas, Literasi Keuangan Syariah, Transparansi, Reputasi Platform dan Sistem Keamanan terhadap Keputusan Gen Z dalam Membayar Zakat secara Online Pulungan, Sulaika; Zaenal, Muhammad Hasbi
Journal of Economics and Management Scienties Volume 7 No. 3, June 2025
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/jems.v7i3.143

Transformasi digital dalam pengelolaan zakat menjadi suatu keniscayaan, terutama pasca pandemi COVID-19 yang mempercepat adopsi teknologi, termasuk dalam praktik keagamaan seperti pembayaran zakat. Meskipun penggunaan platform digital untuk zakat meningkat, realisasi penghimpunan zakat di Indonesia masih rendah, khususnya di kalangan Generasi Z yang merupakan digital native namun belum optimal dalam memanfaatkan layanan zakat digital. Penelitian ini bertujuan untuk mengetahui pengaruh religiositas, literasi keuangan syariah, transparansi, reputasi platform, dan sistem keamanan terhadap keputusan Gen Z dalam membayar zakat secara online. Penelitian ini menggunakan pendekatan kuantitatif dengan analisis Structural Equation Modeling–Partial Least Squares (SEM-PLS). Populasi penelitian adalah Gen Z di wilayah Jabodetabek yang telah membayar zakat secara online, dengan jumlah sampel 130 responden yang diambil melalui metode non-probability purposive sampling. Data dikumpulkan melalui kuesioner online dan dianalisis menggunakan SmartPLS 4.0. Hasil penelitian menunjukkan bahwa sistem keamanan dan transparansi berpengaruh positif dan signifikan terhadap keputusan membayar zakat online. Sementara itu, religiositas, literasi keuangan syariah, dan reputasi platform memiliki pengaruh positif tetapi tidak signifikan. Model penelitian ini memiliki nilai R-square sebesar 0,654, yang menunjukkan bahwa 63,9% variasi keputusan Gen Z dalam membayar zakat online dapat dijelaskan oleh lima variabel tersebut. Temuan ini memberikan implikasi penting bagi lembaga zakat digital dalam merancang strategi berbasis keamanan dan transparansi guna meningkatkan partisipasi Gen Z.

An Effort to Increase Zakat Awareness: The Role of Public Figures Zaenal, Muhammad Hasbi; Susianti, Meis Winih; Ikhwan, Ihsanul; Adiningshih, Siti Maulida
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol 16, No 1 (2024)
Publisher : Faculty of Sharia and Law, UIN Syarif Hidayatullah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/aiq.v16i1.39202

This research aims to analyze the influence of public figures on the intention to pay zakat. The variables adopted in this research are variables related to the characteristics of public figures: trustworthiness, attractiveness, and expertise. This study succeeded in collecting primary data from 216 respondents which were then analyzed using the Structural Equation Modeling (SEM) method. This research shows that the variables trustworthiness, attractiveness, and expertise positively and significantly influence the intention to pay zakat. Based on the results, zakat institutions are expected to select reliable public figures who can be trusted by the community, have an appeal to the community, and have a good understanding and competence about zakat.Abstrak:Penelitian ini bertujuan untuk menganalisis pengaruh public figures terhadap intensi membayar zakat. Variabel yang diadopsi dalam penelitian ini merupakan variabel yang terkait dengan karakteristik public figures yakni variabel trustworthiness, attractiveness, dan expertise. Studi ini berhasil mengumpulkan data primer dari 216 responden yang selanjutnya dianalisis dengan menggunakan metode Structural Equation Modeling (SEM). Hasil penelitian ini menunjukkan bahwa variabel trustworthiness, attractiveness, dan expertise secara positif signifikan memengaruhi intensi membayar zakat. Berdasarkan hasil penelitian ini, badan/lembaga zakat diharapkan dapat memilih public figures yang dapat diandalkan serta dapat dipercaya oleh masyarakat, memiliki daya tarik bagi masyarakat, serta memiliki pemahaman dan kompetensi yang baik tentang zakat.

Substitution or Complementarity? Sukuk–Bank Performance Resilience in Indonesia’s Dual Banking System Nofrianto, Nofrianto; Zaenal, Muhammad Hasbi; Khairunnisa, Dini Anggreini; Sali, Najeeb Razul A
Signifikan: Jurnal Ilmu Ekonomi Vol. 14 No. 2 (2025)
Publisher : Faculty of Economic and Business, Universitas Islam Negeri Syarif Hidayatullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/sjie.v14i2.46415

Research Originality: This study examines whether sukuk serves as a substitute or complement to banks, offering new insights into the resilience and vulnerability of Indonesia’s dual banking system under macroeconomic shocks. Research Objectives: To examine the evolving sukuk–bank performance relationship before and after the 2020 global recession, and its implications for financial stability. Research Methods: Quarterly data (2015–2023) from 6 Islamic and 15 conventional banks are analyzed using a dynamic panel System GMM model to address endogeneity and bank-specific heterogeneity. Empirical Results: Prior to the crisis, the development of the sukuk market significantly reduced the profitability of Islamic banks, indicating a substitution effect. After the crisis, the negative impact on Islamic banks weakened, suggesting partial complementarity. Inflation widened margins, money supply reduced them, and GDP growth benefited only conventional banks. Implications: Aligning sukuk market growth with banking strategies can strengthen resilience, enhance competitiveness, and support stability in dual banking systems. JEL Classification: G21, G23, E44, E52 How to Cite:Nofrianto., Zaenal, M. H., Khairunnisa, D. A., & Sali, N. R. A. (2025). Substitution or Complementarity? Sukuk-Bank Performance Resilience in Indonesia’s Dual Banking System. Signifikan: Jurnal Ilmu Ekonomi, 14(2), 563-xx. https://doi.org/10.15408/sjie.v14i2.46415.

Comparative Analysis of the Financial Performance of Islamic Banking in Indonesia and Malaysia During the Covid-19 Pandemic Safitri, Ika; Pramono, Sigid Eko; Zaenal, Muhammad Hasbi
International Journal of Economics (IJEC) Vol. 3 No. 1 (2024): January-June
Publisher : PT Inovasi Pratama Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55299/ijec.v3i1.900

Financial performance as a measuring tool to determine the process of implementing financial resources owned by the company. The Covid-19 pandemic has had a significant impact on Islamic banking. where Malaysia and Indonesia are the leading countries in the development of the Sharia economy, of course they are affected by the Covid 19 Pandemic. The purpose of this study is to compare the financial performance of Islamic banking in Indonesia and Malaysia before and during the Covid 19 pandemic. The data analysis technique used is the independent sample t test. The variables being compared are NPF, FDR, ROA, ROE, CAR, and BOPO. The sample used in this study is in the form of sharia banking performance reports issued by financial services authorities from each country before and during the Covid-19 pandemic, namely from 2018-2021. The results show that in Islamic banking in Indonesia there are significant differences only in the CAR variable, while for NPF, FDR, ROA, ROE, and BOPO there are no significant differences between before and during COVID-19. Meanwhile, in Islamic banking in Malaysia, there are significant differences only in the BOPO variable, while for NPF, FDR, ROA, ROE, and CAR there are no significant differences between before and during COVID-19. And for the comparison of performance between Indonesian and Malaysian Islamic Banking, there is a significant difference in the performance of the two countries except for the NPF variable, there is no significant difference between the NPF of Indonesian Islamic Banks and Malaysian Islamic Banks during the 2018-2021 period

An Effort to Increase Zakat Awareness: The Role of Public Figures Zaenal, Muhammad Hasbi; Susianti, Meis Winih; Ikhwan, Ihsanul; Adiningshih, Siti Maulida
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol. 16 No. 1 (2024)
Publisher : UNIVERSITAS ISLAM NEGERI SYARIF HIDAYATULLAH JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/aiq.v16i1.39202

This research aims to analyze the influence of public figures on the intention to pay zakat. The variables adopted in this research are variables related to the characteristics of public figures: trustworthiness, attractiveness, and expertise. This study succeeded in collecting primary data from 216 respondents which were then analyzed using the Structural Equation Modeling (SEM) method. This research shows that the variables trustworthiness, attractiveness, and expertise positively and significantly influence the intention to pay zakat. Based on the results, zakat institutions are expected to select reliable public figures who can be trusted by the community, have an appeal to the community, and have a good understanding and competence about zakat.Abstrak:Penelitian ini bertujuan untuk menganalisis pengaruh public figures terhadap intensi membayar zakat. Variabel yang diadopsi dalam penelitian ini merupakan variabel yang terkait dengan karakteristik public figures yakni variabel trustworthiness, attractiveness, dan expertise. Studi ini berhasil mengumpulkan data primer dari 216 responden yang selanjutnya dianalisis dengan menggunakan metode Structural Equation Modeling (SEM). Hasil penelitian ini menunjukkan bahwa variabel trustworthiness, attractiveness, dan expertise secara positif signifikan memengaruhi intensi membayar zakat. Berdasarkan hasil penelitian ini, badan/lembaga zakat diharapkan dapat memilih public figures yang dapat diandalkan serta dapat dipercaya oleh masyarakat, memiliki daya tarik bagi masyarakat, serta memiliki pemahaman dan kompetensi yang baik tentang zakat.

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