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All Journal Laa Maisyir Jurnal Ekonomi Islam Jurnal Ilmiah Ekonomi Islam Tazkia Islamic Finance and Business Review Al-Muzara'ah Journal of Islamic Economic Laws JURNAL MANAJEMEN (EDISI ELEKTRONIK) Islaminomics: Journal of Islamic Economics, Business and Finance Journal of Humanities and Social Studies Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Journal of Islamic Monetary Economics and Finance International Journal of Zakat (IJAZ) Kasaba: Jurnal Ekonomi Islam Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah JIIP (Jurnal Ilmiah Ilmu Pendidikan) RESLAJ: RELIGION EDUCATION SOCIAL LAA ROIBA JOURNAL Diversity: Jurnal Ilmiah Pascasarjana Jurnal Perpajakan dan Keuangan Publik Journal of Business Management and Economic Development Riwayat: Educational Journal of History and Humanities International Journal of Islamic Economics (IJIE) Journal of Islamic Economic Laws Al-Infaq : Jurnal Ekonomi Islam Referensi Islamika: Jurnal Studi Islam Al Qodiri: Jurnal Pendidikan, Sosial dan Keagamaan
Qurroh Ayuniyyah
Universitas Ibn Khaldun Bogor
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Public Health Social Sciences Other

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Prospects and Challenges of Musharakah and Musharakah Mutanaqisah Financing in Islamic Microfinance: Case Studies of Indonesia and Malaysia Norma Md Saad; Qurroh Ayuniyyah
AL-MUZARA'AH Vol. 14 No. 1 (2026): AL-MUZARA'AH (January 2026)
Publisher : Department of Islamic Economics, IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/jam.14.1.103-119

Abstract

Musharakah, a unique Islamic mode of financing, involves joint contributions of capital and labor by both financier and entrepreneur. This profit and loss sharing (PLS) contract is considered one of the most ideal Islamic financing models, embodying the principles of cooperation and partnership. A specific application of this model is the diminishing partnership contract, known as Musharakah Mutanaqisah (MM). This study explores the implementation of musharakah and MM in Islamic microfinance through a qualitative comparative case study of two institutions: Bank Pembiayaan Rakyat Syariah (BPRS) Amanah Ummah Bogor, Indonesia, and Entrepreneurship Development Program (i-Taajir) under the Centre for Islamic Economics IIUM-CIMB Islamic Bank, Malaysia. Data were collected through interview, financial reports, institutional documents, and secondary sources, and analyzed thematically. The findings reveal that while both institutions apply musharakah-based financing to empower micro-entrepreneurs, they face challenges related to risk management, regulatory frameworks, and limited client understanding. Managerial implications suggest the need for better financial literacy programs, internal capacity building, and policy support to optimize musharakah implementation in microfinance settings. This study offers recommendations for enhancing the sustainability and operational effectiveness of equity-based Islamic financing models in the microfinance sector.
Unpacking the Empowerment Impact of Zakat Microcapital Programs: The Role of Entrepreneurial Character Khatimah, Husnul; Ayuniyyah, Qurroh; Pasaribu, Popy Novita; Nurhayati, Immas
Journal of Business Management and Economic Development Том 4 № 01 (2026): Journal of Business Management and Economic Development
Publisher : PT. Riset Press International

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59653/jbmed.v4i01.2313

Abstract

This study examines the role of entrepreneurial character in shaping the economic empowerment of mentees participating in productive zakat programs. While many empowerment initiatives focus primarily on financial assistance, recent development literature emphasizes the importance of behavioral transformation in achieving sustainable economic outcomes. This research aims to empirically test whether entrepreneurial character functions as a key mechanism linking economic assistance to empowerment within the context of Islamic social finance. The study employs a quantitative explanatory design using cross-sectional survey data collected from 365 mentees participating in productive zakat programs administered by the National Zakat Agency of Indonesia (BAZNAS). Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) to examine the relationship between entrepreneurial character and economic empowerment. The results reveal a strong and statistically significant positive effect of entrepreneurial character on economic empowerment (β = 0.763, p < 0.001). The model demonstrates substantial explanatory power (R² = 0.582) and strong predictive relevance, indicating that behavioral attributes such as persistence, opportunity orientation, and proactive action play a crucial role in sustaining economic independence among beneficiaries. These findings reinforce the behavioral empowerment perspective, suggesting that empowerment outcomes depend not only on access to capital but also on the development of internal capacities. The study contributes to the integration of entrepreneurship theory and Islamic social finance by demonstrating that productive zakat programs can serve as institutional mechanisms to cultivate entrepreneurial agency among beneficiaries. Practically, the findings highlight the importance of mentoring and character development in designing effective zakat-based empowerment programs.
Zakat Fund Collection Optimization Strategy Based on Digital Technology: An Empirical Study in West Java Al Mahali, Jalaludin; Beik, Irfan Syauqi; Juwaini, Ahmad; Ayuniyyah, Qurroh
Jurnal Perpajakan dan Keuangan Publik Vol. 5 No. 1 (2026): Jurnal Perpajakan dan Keuangan Publik
Publisher : Department of Public Administration

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/jpkp.v5i1.55493

Abstract

Indonesia has enormous national zakat potential exceeding IDR 300 trillion; however, its realization remains very low, at only around 3.9%–5%. This gap has significant social implications, particularly in limiting the optimal distribution of zakat for poverty alleviation, social welfare improvement, and economic empowerment of vulnerable communities. This study aims to formulate a strategy for optimizing zakat collection in the West Java region by identifying and prioritizing the most influential determinant factors, particularly trust, technology adoption, and institutional capacity in digital zakat management. The study employs the Analytical Hierarchy Process (AHP) method involving seven experts through Focus Group Discussions (FGDs) and in-depth interviews. The results indicate that building communication and trust is the top strategic priority with the highest weight (0.368). Muzakki is identified as the most influential key actor across all decision factors. The managerial implications for Zakat Management Organizations (OPZ) highlight the need to strengthen a transparent digital ecosystem and collaborate with local figures to build social proof and enhance muzakki loyalty. In addition, digitalization should evolve beyond functioning merely as a payment channel into an integrated information ecosystem capable of providing real-time transparency reports to meet the expectations of digitally literate zakat payers. Strategic partnerships with fintech platforms, e-commerce, and community networks remain important as long-term reinforcement to expand outreach, particularly among digitally active younger generations.
Facilitator empowerment as a catalyst for entrepreneurial character and economic self-reliance of zakat beneficiaries: Evidence from BAZNAS Republik Indonesia Husnul Khatimah; Qurroh Ayuniyyah; Popy Novita Pasaribu; Immas Nurhayati
Al Qodiri : Jurnal Pendidikan, Sosial dan Keagamaan Vol. 24 No. 1 (2026): Al Qodiri: Jurnal Pendidikan, Sosial dan Keagamaan
Publisher : Universitas Islam KH. Achmad Muzakki Syah Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53515/alqodiri.v24i1.22

Abstract

Productive zakat programs in Indonesia continue to encounter structural challenges in achieving sustainable mustahik empowerment, as many initiatives remain focused on short-term capital distribution rather than long-term capacity building. This study aims to examine how facilitator empowerment and catalytic roles influence mustahik empowerment by positioning entrepreneurial character as a mediating variable. A quantitative explanatory design was employed using survey data collected from mustahik participating in productive zakat programs, which were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) to assess both direct and indirect relationships among constructs. The findings indicate that facilitator empowerment and catalytic roles significantly enhance the entrepreneurial character of mustahik; however, their direct effects on empowerment outcomes are not statistically significant. Instead, entrepreneurial character emerges as the dominant factor and fully mediates the relationship between facilitation processes and empowerment outcomes. These results highlight that sustainable empowerment is primarily driven by internal transformation reflected in entrepreneurial attitudes and behaviors. In conclusion, zakat-based empowerment strategies should shift from output-oriented approaches toward strengthening entrepreneurial character through structured mentoring and catalytic facilitation, thereby promoting long-term economic self-reliance among mustahik.
ANALYSIS OF THE EFFECTIVENESS OF ZAKAT MAL DISTRIBUTION FOR HEALTH AND EDUCATION BY THE NATIONAL ZAKAT COMMUNITY AGENCY (BAZNAS) OF BOGOR REGENCY Jamaluddin; Ujang Sumarwan; Qurroh Ayuniyyah; Sri Marti Pramudena
Referensi Islamika: Jurnal Studi Islam Vol. 4 No. 1 (2026): FEBRUARY
Publisher : Academic Bright Collaboration

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66053/ri.v4i1.681

Abstract

This study aims to analyze the effectiveness of zakat mal distribution in the health and education sectors by BAZNAS Bogor Regency in supporting the fulfillment of mustahik’s basic needs. This study employs a qualitative method with a descriptive approach. Data were collected through interviews, observations, and documentation involving six mustahik beneficiaries during the period of December 2023 to July 2024. Data analysis was conducted through data reduction, data display, and conclusion drawing. The findings indicate that the distribution of zakat in the health and education sectors has been relatively effective and in accordance with applicable regulations. The assistance provided has helped alleviate the burden of mustahik in meeting their basic needs. However, several challenges remain, including limited coverage of beneficiaries and the need to improve the equity of distribution. This study implies that the effectiveness of zakat distribution in the education and health sectors can serve as a basis for strengthening more targeted zakat distribution policies. The findings also highlight the important role of Zakat Collection Units (UPZ) in supporting the effectiveness of zakat distribution. Furthermore, the results may serve as a reference for developing more equitable and sustainable zakat distribution strategies. This study provides empirical contributions to the evaluation of zakat distribution effectiveness in the health and education sectors at the regional level. It also highlights the importance of enhancing distribution equity and targeting accuracy in zakat management to improve the sustainable welfare of mustahik.
Islamic Financial Literacy and Technological Innovation Among Millennial Women Micro-Entrepreneurs in Bandar Lampung Ruslaini; Indupurnahayu Indupurnahayu; Qurroh Ayuniyyah; Immas Nurhayati
Jurnal Internasional Ekonomi Islam Vol 8 No 01 (2026): International Journal of Islamic Economics
Publisher : The Postgraduate of Institut Agama Islam Negeri Metro Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/ijie.v8i01.13231

Abstract

Objective: This study aims to examine the direct effect of Islamic financial literacy on women’s economic roles and its indirect effect, mediated by technological innovation, among millennial women micro-entrepreneurs in Bandar Lampung. Method: This study employs a quantitative approach using survey data collected from women micro-entrepreneurs. A total of 130 questionnaires were initially collected across Lampung Province, with 65 valid samples selected through purposive sampling based on specific criteria. The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM).  Result: The findings reveal that Islamic financial literacy has a positive and significant effect on technological innovation (β = 0.691, p < 0.001), while technological innovation has a strong positive effect on women’s economic roles (β = 0.703, p < 0.001). Islamic financial literacy also directly influences women’s economic roles (β = 0.211, p = 0.021), although the effect size is smaller. Additionally, technological innovation significantly mediates this relationship (indirect effect = 0.486, p < 0.001), with the model demonstrating strong explanatory power (R² = 0.745).  Implication: These findings suggest that policymakers and MSME development institutions should integrate Islamic financial literacy programs with digital capacity-building initiatives.  Originality or Novelty: This study highlights the mediating role of technological innovation in linking Islamic financial literacy to women’s economic roles, providing empirical evidence from millennial women micro-entrepreneurs in a developing regional context
Co-Authors Abdi Ridho, Muhammad Abdul Husenudin Ahmad Faisal Ahmad Juwaeni Ahmad Juwaini Ahmad Nur Ahsan Akhmad Affandi Mahfudz Al Mahali, Jalaludin Alfani, Mufti Maula Alfarisi, Muhammad Fadilah Ali Fikri, Muhammad Amir Tengku Ramly Andika Purnama Ariffin, Muhammad Irwan Armen, Rio Erismen Arsyad, Adnan Ataul Huq Pramanik Cece Sulaeman* Didin Hafidhuddin MS DZAKY EL KEMAL, SAIEV Egi Agustian Rahmat Sukendar Eko Saputra Eko Saputra ERISMEN ARMEN, RIO Fakrikha, Yuni Yulia Hafidhudin, Didin Hambari, Hambari Hari Irawan Hari Susanto Harifuddin, Didin Hendri Tanjung Hilman Hakiem Husnul Khatimah Husnul Khatimah Ibdalsyah Ibdalsyah Imam Suyuthi Imron, Sulkan Indupurnahayu Irawan Putra, Hari Irfan Syauqi Beik Irsyad, Adnan Jamaluddin Juwaeni, Ahmad Kemal, Saiev Dzaky El Lelih Amaliatushalihah M Zaaf Fadzlan Rabbani Garamatan Mabruroh, Mabruroh Mohamed Aslam Mohamed Haneef Mufti Maula Alfani Muhammad Abdi Ridha Muhammad Ali Fikri Muhammad Irwan Ariffin Nazrol Kamil Bin Mustaffa Kamil Norma Md Saad Norma Md Saad Norma Md. Saad Nur Hasan, Ahmad Nurhayati, Immas Nursechafia Nursechafia Nursechafia, Nursechafia Perdana, Feby Rizki Popy Novita Pasaribu Pramanik, Ataul Huq Purnama, Andika Purnamasari, Lise Qadryani, Sitti QOLBI, NURUL Ricardo, Rico Rico Ricardo Rio Erismen Armen RIZAL, RIZALUDDIN Rizqan Al Muhaimin RUDIANTO, SOFIAN Rudianto, Sofiyan Ruslaini Saad, Norma Md. Saiev Dzaky El Kemal Saputro, Cahyo Sodik Sodik, Sodik Sofiyan Rudianto Sofiyan Rudianto Sri Marti Pramudena Sujanu Harto Mulyono Sulaeman, Cece Sulkan Imron Trisiladi Supriyanto Trisiladi Supriyanto, Trisiladi Ujang Sumarwan Wahyu Rahman Wahyu Wahyu Yasir, Sulaeman Yudi Saeful Rizal, Yulia Fakrikha, Yuni Yuliati, Ety Yuni Yulia Fakrikha Yusup, Yusup Zaid, Zaid