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All Journal IJIBE (International Journal of Islamic Business Ethics) Ihtifaz: Journal of Islamic Economics, Finance, and Banking Adzkiya : Jurnal Hukum dan Ekonomi Syariah Tasharruf: Journal Economics and Business of Islam Share: Jurnal Ekonomi dan Keuangan Islam Al-Tijary : Jurnal Ekonomi dan Bisnis Islam Journal of Islamic Economics Lariba JCAIP: Journal of Contemporary Applied Islamic Philanthropy ABHATS: Jurnal Islam Ulil Albab
Martini Dwi Pusparini, Martini Dwi
Islamic University of Indonesia Yogyakarta
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences

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Redefining Consumer Utility in the Perspective of Islamic Economics Framework Muttaqin, Zein; Pusparini, Martini Dwi
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol 2, No 1 (2019)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (3443.158 KB) | DOI: 10.12928/ijiefb.v2i1.717

Abstract

 An interest of individual preferences which can be represented in numerical ways known as the utility. While others stated it as a matter of subjective feeling that being felt in order to pursue and to maximize the certain level of satisfaction and personal well-being. According to neoclassical theory, this happened due to the contraction consumer preferences between things/products/services that available in the market. Furthermore, the ultimate ends that have been proposed are that the industry/market is spiritually neutral. On the other hand, some of Muslim scholars argue that spiritual or religious values are what defines an individual as a human, while all conducted of consumption is abide by ethics and religious values, which will not forsake others for personal gains. The integration of religious aspect in pursuing of maximization of utility is known as maslahah (i.e. well-being). A further discussion that arises is in Islamic economics framework, does individual orients solely to maximize their utility, even in the sense of maslahah is considered. Neoclassical claims that to interpret the utility, there are two headings is considered, they are prediction approach and prescription approach. The debate on neoclassical and Islamic economics perspectives might contradict one to another, but none of it is at absolute truth, the theory itself is still developing due to different assumptions and circumstances that present at that time. Furthermore, the revisiting theory of maqasidh al-sharia (i.e. the objective of Islamic Laws) also provides a different point of view regarding the debatable utility between neoclassical and Islamic economics. In pursuance of better understanding of utility, this article aims to redefine the consumer utility in Islamic economics framework. It can be concluded that the definition of utility under Islamic perspective as the act to seek self-actualization of benefit which collide to the benefit of others in pursuing of enhancement of dual dimensions objectives of present and hereafter. A strong point that being found that in order to maximize the utility/maslahah must consider the possibility of misleading the genuine motive of utility, which is not adjusting it under social pressures. The misleading act of such is categorized as the act of falsification of preferences.
Maqasid Sharia-Based Financial Plan to Prevent Conspicuous Consumption Among Muslim Household Pusparini, Martini Dwi
Al-Tijary Vol 8 No 1 (2022): AL-TIJARY VOL. 8, NO. 1, DESEMBER 2022
Publisher : Faculty of Islamic Economics and Business Sultan Aji Muhammad Idris State Islamic University Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/at.v8i1.5040

Abstract

The trend of the flexing phenomenon, especially on social media, is currently causing various reactions, one of which is the tendency to consume and use various luxury facilities. In consumer behavior, this phenomenon is referred to as Conspicuous Consumption. In today's modern world, it happens not only to upper-class consumers, but also to everyone in the community with various goals, including the goals of acquiring social status, prestige, or wealth. For lower-middle households, of course, this is a problem, so financial planning is needed. This study aims to explore the perspective of Maqasid Sharia in financial planning for Muslim families as a solution to the Conspicuous Consumption phenomenon. This research is a qualitative descriptive study with a library research approach. Data were obtained from official reports as well as other literature from journals, books and websites. The results of this study indicate that financial planning based on the Maqasid Sharia hierarchy, namely Dharurriyah, Hajiyyah and Tahsiniyyah can prevent the phenomenon of Conspicuous Consumption in Muslim households. In addition, Islamic consumption which prohibits Israf and aims to achieve Maslahah is a contradiction to Conspicuous Consumption. Good financial planning will ultimately bridge Muslim families to achieve prosperity in this world and the hereafter. The study provides model that can be used to refine existing models and frameworks, thereby enhancing their effectiveness and applicability in real-world scenarios.
Word of Mouth or Online Services: What is the Best Determinant of Muzakki’s Preference in Selecting Zakat Agency? Pusparini, Martini Dwi; Zahroh, Nur Azizah Zuhriah
Al-Tijary Vol 9 No 1 (2023): AL-TIJARY VOL. 9, NO. 1, DESEMBER 2023
Publisher : Faculty of Islamic Economics and Business Sultan Aji Muhammad Idris State Islamic University Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/at.v9i1.7112

Abstract

The number of national-level zakat institutions has decreased since the implementation of Zakat Law Number 23 of 2011, indicating a more organized zakat administration. Nevertheless, many muzakki still opt not to distribute their zakat through the existing Zakat Management Organizations (OPZ) in Indonesia. Instead, they prefer to directly give zakat to their chosen mustahik. Despite the importance of paying zakat through zakat institutions, it is crucial to comprehend individuals' preferences in this regard. The main objective of this study is to investigate the factors influencing muzakki's preferences for zakat institutions, including trust, word of mouth, and online services. The research is based on empirical data gathered from 132 respondents in Central Java. Multiple linear regression was employed to test the study hypotheses. The findings reveal that all the examined variables, namely trust, word of mouth, and internet services, significantly influence muzakki's choices for zakat institutions. Further analysis indicates that among these factors, online services play the most significant role in shaping muzakki's preferences. The limitation of the study lies in the research sample, where Indonesia consists of 34 provinces and only 1 province is involved in this study. This study presents a summary of the relevance of online services in zakat institutions, as previous research on muzakki preferences for zakat payment has never included the online service factor. This research has managerial implications, particularly for Zakat Institutions. The findings will further assist fundraising strategies to enhance financial service and introduce innovative approaches to reach muzakki preferences in zakat payment.
What Motivates the Gold Traders to Fulfill Zakat on Gold Compliance? Discovering the Internal and External Factors Virgiawan, Rheyza; Al-Qudry, Anas; Pusparini, Martini Dwi
Adzkiya : Jurnal Hukum dan Ekonomi Syariah Vol. 11 No. 2 (2023): Adzkiya: Jurnal Hukum dan Ekonomi Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Meto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/adzkiya.v11i2.7656

Abstract

Zakat is an obligatory charitable giving that holds immense significance in the lives of Muslims worldwide. While zakat is primarily associated with financial assets, such as money and agricultural produce, one specific aspect often overlooked is Zakat on gold. This study attempts to discover what factors shape the perception of gold traders towards fulfilling gold zakat compliance. In this study, primary data was collected from 18 gold traders at Lambaro Ingin Jaya Market, Aceh Besar, through in-depth interviews. The study discovered that the perception of gold traders at Lambaro Market, Ingin Jaya, Aceh Besar, regarding the fulfillment of zakat on gold is motivated by a combination of internal and external factors. The internal factors encompass elements such as attitude, level of faith, knowledge, awareness, self-satisfaction, and moral values driven by the desire to seek the pleasure of Allah SWT. Conversely, external factors consist of educational elements, social values inherent in zakat, and the level of trust placed in amil zakat institutions. Additionally, the perception towards zakat on gold compliance is influenced by inhibiting and supporting factors. Inhibiting factors encompass statutory policies, traditional attitudes, and the impact of the Covid-19 Pandemic. In the other hand, supporting factors involve the awareness of gold traders in fulfilling zakat obligations and their altruistic or socially sensitive inclinations.
Zakat Fundraising Via Instagram: How Does It Advantageous for Zakat Institutions? Pusparini, Martini Dwi; Bapang, Siti Hanifah; Virgiawan, Rheyza
Journal of Contemporary Applied Islamic Philanthropy Vol. 1 No. 2 (2023): JCAIP
Publisher : Nuban Jagadhita Centre

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62265/jcaip.v1i2.41

Abstract

Purpose: The digital transformation of zakat institutions emerges as a crucial concern. The aim of this research is to analyze the impact of Instagram social media marketing on fundraising in BAZNAS Kota Yogyakarta. Methodology: This research adopts a descriptive qualitative methodology in conjunction with content analysis. The data was gathered by documentation and in-depth interviews to the head of fundraising, Instagram admin, and five Instagram followers. Findings: The findings indicate that Instagram is advantageous for Zakat institution to increased fund growth, a rise in the number of muzakki, building institutional image, increasing muzakki awareness, and as a means of Islamic da'wah platform to increase followers' knowledge about zakat, infaq, and shodaqoh. The positive outcomes observed at BAZNAS Kota Yogyakarta from using Instagram marketing led to the conclusion that this platform can effectively serve as a medium for collecting zakat, infaq, and shodaqoh funds for Islamic philanthropic institutions like BAZNAS.
INVESTIGATING BEYOND THE LABEL OF “HALALAN-THAYYIBAN”: THE HALAL GUARANTEE SYSTEM IN LOCAL RESTAURANT Pusparini, Martini Dwi; Setiaji, Herman
IJIBE (International Journal of Islamic Business Ethics) Vol 4, No 1 (2019): March 2019
Publisher : UNISSULA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/ijibe.4.1.551-562

Abstract

For Muslims, Islamic business ethics is an absolute thing to be applied in business activities. Yogyakartais a province that consists of Muslims in majority, having potentials of requiring halal products. This research aimed at finding the implementation of Islamic business ethics in the halal and thayyib guarantee system on the offered products in order to discover the implementation of the halal labeling applied. This research was a descriptiveexplorative study using qualitative approach. The research was conducted by interviewing the managers and cook of the restaurant using in-depth interview. It was found out from the results of the study that the Ayam Penyet Surabaya Restaurant has carried out good implementation of Islamic business. In addition, regarding to the halal and thayyib guarantee system, the performance in the fields of halal organization, procurement, processing, transparency, and standardization towards the Standard Operating Procedure (SOP) and Halal Guarantee System (SJH) were under control and evaluation. Both the control and the evaluation were presented in the form of halal, proportional, and secure presentation in accordance with the company standards which are based on five halal aspects in regards to product and use of materials. Their implementation was thoroughly and generally conducted in a good and structured way. The limitation of the research was the lack of sample observed, as the result only applied at one object only. For future research, the researchers should apply more than one object of research.
The development of Islamic finance literature in response to economic turbulence: A systematic review of financial stability strategies Pusparini, Martini Dwi; Fianto, Bayu Arie; Sukmaningrum, Puji Sucia; Mohd Dali, Nuradli Ridzwan Shah Bin
Journal of Islamic Economics Lariba Vol. 11 No. 1 (2025)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol11.iss1.art21

Abstract

IntroductionEconomic turbulence remains a persistent challenge globally, as evidenced by historical crises such as the Great Depression, the 2007–2009 Global Financial Crisis, Brexit, and the COVID-19 pandemic. These events have underscored the necessity for resilient and ethically sound financial frameworks. Islamic finance has gained attention as a viable alternative financial system, potentially offering enhanced stability during periods of economic instability.ObjectivesThis study systematically reviews existing literature on the development and responses of Islamic finance during various economic disturbances. It aims to identify how Islamic financial institutions adapt their strategies, products, and services in response to crises, and highlight areas for future research.MethodThe systematic literature review method was used, analyzing 76 academic articles published between 2007 and 2023 from high-quality journals (Q1 and Q2) indexed in the Scopus database. Articles were carefully screened using defined inclusion and exclusion criteria to ensure relevance to economic crises and Islamic finance.ResultsFindings reveal that Islamic financial markets and Islamic banking were the predominant topics, demonstrating varied responses to economic shocks. Islamic banks, employing profit-loss sharing models, exhibited resilience during economic downturns, though inefficiencies in profitability and capitalization were noted. Islamic financial markets, characterized by ethical investments and low leverage, provided diversification advantages but remained vulnerable due to limited portfolio diversity. Additionally, Islamic social finance tools such as zakat and waqf were beneficial in supporting economic recovery, especially during the COVID-19 crisis.ImplicationsThe study suggests that governments and policymakers should promote profit-loss sharing models in Islamic banking and encourage greater diversification in Islamic financial markets to enhance resilience. Additionally, Islamic social finance should be further integrated into economic recovery strategies to mitigate crisis impacts.Originality/NoveltyThis research uniquely synthesizes insights into the adaptive responses of Islamic financial institutions across historical economic crises, addressing a significant knowledge gap in Islamic finance literature. By providing comprehensive future research directions, it contributes valuable guidance for scholars, practitioners, and policymakers aiming to develop sustainable and resilient financial systems.
Determinants of Zakat Compliance among Business Owners in Indonesia Bonang, Dahlia; Baihaqi, Muhammad; Pusparini, Martini Dwi
Share: Jurnal Ekonomi dan Keuangan Islam Vol. 12 No. 2 (2023)
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.v12i2.16917

Abstract

This study aims to identify the factors that affect the compliance of Indonesian business owners with zakat payments. Data were collected from 205 individuals using a purposive sampling technique through an online survey. The results of the data analysis, conducted using Structural Equation Modeling (SEM), indicate that social piety, zakat literacy, Islamic egalitarianism, and moral norms significantly influence the intentions and compliance of business owners regarding zakat payments. These factors play a crucial role in shaping the intentions and behaviors of business owners concerning their zakat obligations. The findings offer valuable insights for both business owners and policymakers in efforts to improve compliance with zakat payments, which ultimately contributes to economic sustainability and social justice. Business owners can utilize these results to enhance their understanding of zakat obligations, thereby increasing their compliance. For policymakers, the results can serve as a foundation for designing more effective strategies to encourage compliance among business owners, such as implementing zakat literacy programs, socialization activities, and approaches that reinforce the values of egalitarianism and moral norms within the context of zakat.============================================================================================================ABSTRAK – Determinan Kepatuhan Zakat Para Pemilik Bisnis di Indonesia. Penelitian ini bertujuan untuk mengidentifikasi faktor-faktor yang mempengaruhi kepatuhan pemilik bisnis Indonesia dalam membayar zakat. Data dikumpulkan dari 205 individu menggunakan teknik sampling purposif melalui survey online. Hasil analisis data dengan Structural Equation Modeling (SEM) menunjukkan bahwa kesalehan sosial, literasi zakat, egalitarianisme Islam, dan norma moral memiliki pengaruh signifikan terhadap intensi dan kepatuhan pemilik bisnis dalam membayar zakat. Faktor-faktor ini memainkan peran penting dalam membentuk niat dan perilaku pemilik bisnis terkait dengan kewajiban zakat. Temuan ini memberikan wawasan yang berharga bagi pemilik bisnis dan pembuat kebijakan dalam upaya meningkatkan kepatuhan pembayaran zakat, yang pada akhirnya berkontribusi pada keberlanjutan ekonomi dan keadilan sosial. Pemilik bisnis di Indonesia dapat menggunakan hasil kajian ini untuk meningkatkan pemahaman mereka tentang kewajiban zakat, sehingga meningkatkan kepatuhan mereka dalam membayar zakat. Bagi pembuat kebijakan, temuan ini dapat dijadikan sebagai dasar untuk merancang strategi yang lebih efektif yang dapat mendorong kepatuhan pemilik bisnis dalam membayar zakat, seperti program literasi zakat, aktivitas sosialisasi, dan pendekatan yang memperkuat nilai-nilai egalitarianisme dan norma moral dalam konteks zakat.
CASH WAQF AS A SOLUTION TO OVERCOME DROUGHT IN GUNUNG KIDUL REGENCY IN YOGYAKARTA PROVINCE Pusparini, Martini Dwi; Sobaya, Soya; Lubis, Sri Susanti Agustina
Tasharruf: Journal Economics and Business of Islam Vol 5, No 1 (2020)
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v5i1.1125

Abstract

Drought in Gunungkidul Regency is a problem that always occurs almost every year. It has led to humanitarian problems, and requires some appropriate mitigation efforts. Responding to the drought problem, the development of cash waqf in fact is potential to solve the problem. This study aimed at analyzing cash waqf management carried out by ACT Global Waqf in efforts to overcome drought in the Gunungkidul region. This is a field research in which, in this case, the object of research is cash waqf through the Waqf Program of Global well ACT Yogyakarta. Data obtained from eight informants who mastered the object of research, namely Waqf Well of ACT Global Waqf. Based on the results, the cash waqf has been manifested into Waqf Well as determined by Wakif. The efforts to prevent drought by ACT Yogyakarta Global Waqf, especially at three points of waqf wells, greatly helped communities affected by drought. This can be seen from the continued use of the drill well despite drought during the long dry season. The flow of water flowing remains smooth and clean, has not changed since it was built until now. Waqf well is one solution to the community for the freshwater needs, by providing the new water sources by looking for potential water sources and building the infrastructure. 
Gaya Kepemimpinan dan Budaya Organisasi Dalam Peningkatan Kinerja Amil: Studi Kasus Dompet Dhuafa Yogyakarta Wahyudiansyah, Noval; Pusparini, Martini Dwi
ABHATS: Jurnal Islam Ulil Albab Vol. 3 No. 2 (2022): September 2022
Publisher : Direktorat Pondok Pesantren Universitas Islam Indonesia

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

Abstract

Penelitian ini membahas tentang bagaimana gaya kepemimpinan, budaya organisasi, dan loyaliyas dalam meningkatkan kinerja amil pada Dompet Dhuafa Yogyakarta. Metode yang digunakan dalam penelitian ini adalah penelitian deskriptif kualitatif dengan pengumpulan data melalui wawancara, kuesioner dan dokumentasi. Hasil dari penelitian ini menunjukkan bahwa gaya kepemimpinan, budaya organisasi dan loyalitas dikategorikan baik. Berdasarkan hasil dari kuesioner yang dianalisis dengan metode cut off point dengan hasil analisis menyatakan bahwa gaya kepemimpinan, budaya organisasi dan loyalitas pada Dompet Dhuafa Yogayakarta dikategorikan baik. Adapun hasil dari wawancara menyatakan bahwa gaya kepemimpinan yang diterapkan oleh pimpinan adalah gaya kepemimpinan yang kharismatik, paternalistis, liazez faire dan demokrasi. Kemudian untuk budaya organisasi, hasil dari wawancara menunjukkan bahwa budaya organisasi yang diterapkan sudah baik. Adapun dari hasil wawancara terkait dengan kinerja amil menunjukkan bahwa hasil dari kinerja amil semakin baik, karena didukung dengan gaya kepemimpinan, budaya organisasi dan loyalitas yang baik yang ada di Dompet Dhuafa Yogyakarta.
Co-Authors Al-Qudry, Anas Bapang, Siti Hanifah Bayu Arie Fianto Bonang, Dahlia Lubis, Sri Susanti Agustina Mohd Dali, Nuradli Ridzwan Shah Bin Muttaqin, Zein Puji Sucia Sukmaningrum Setiaji, Herman Soya Sobaya, Soya Virgiawan, Rheyza Wahyudiansyah, Noval Zahroh, Nur Azizah Zuhriah