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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 Jurnal Investasi Islam Diversity: Jurnal Ilmiah Pascasarjana Madani: Multidisciplinary Scientific Journal Journal of Business Management and Economic Development Riwayat: Educational Journal of History and Humanities International Journal of Islamic Economics (IJIE) LAN TABUR: JURNAL EKONOMI SYARIAH Journal of Islamic Economic Laws Al-Infaq : Jurnal Ekonomi Islam Fikrah : Jurnal Pendidikan Agama Islam Referensi Islamika: Jurnal Studi Islam Al Qodiri: Jurnal Pendidikan, Sosial dan Keagamaan
Qurroh Ayuniyyah
Universitas Ibn Khaldun Bogor
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Medicine & Pharmacology Physics Public Health Social Sciences Other

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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.
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
Pengaruh Metode Drill & practice Terhadap Kemampuan Membaca Al-Qur’an Santriwati di Pondok Pesantren Darut Tafsir Eifa Siti Luciana Al-Hakim; Syarifah Gustiawati Mukri; Qurroh Ayuniyyah
Madani: Jurnal Ilmiah Multidisiplin Vol 4, No 5 (2026): June 2026
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.20754604

Abstract

This study was motivated by the fact that some seventh-grade female students still experienced difficulties in reading the Qur’an, particularly in the aspects of correct pronunciation (makharij al-huruf), application of tajwid rules, fluency, and reading accuracy. In the learning process at Darut Tafsir Islamic Boarding School, the Drill & practice method had been implemented in Qur’an reading instruction; however, its implementation had not been carried out consistently. This study aimed to describe the implementation of the Drill & practicemethod, identify the Qur’an reading ability of the students, and analyze the influence of the Drill & practicemethod on the Qur’an reading ability of seventh-grade female students at Darut Tafsir Islamic Boarding School. This research employed a quantitative approach with an explanatory research design. Data were collected through observation, questionnaires, Qur’an reading tests, and documentation. The data were analyzed using descriptive statistics and simple linear regression analysis. The results showed that the implementation of the Drill & practice method was categorized as fairly good, with a mean score of 65.31. Meanwhile, the students’ Qur’an reading ability was categorized as high, with a mean score of 89.02. The difference between these categories indicates that Qur’an reading ability is influenced not only by the implementation of the Drill & practicemethod but also by other factors, such as habituation to Qur’an reading within the boarding school environment, learning motivation, and guidance provided by teachers. The regression analysis revealed a positive and significant influence of the Drill & practicemethod on the students’ Qur’an reading ability, as indicated by a significance value of 0.000 < 0.05. The correlation coefficient (R) of 0.907 indicated a very strong relationship, while the coefficient of determination (R²) of 0.822 showed that the Drill & practice method contributed 82.2% to the students’ Qur’an reading ability, whereas the remaining 17.8% was influenced by other factors beyond the scope of this study.
Analysis of BAZNAS RI’s Financial Health Based on the IKOPZ for the 2020–2024 Period Nadia Zahra; Qurroh Ayuniyyah; Nurman Hakim
Al-Infaq Jurnal Ekonomi Islam Vol. 17 No. 1 (2026): June 2026
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/alinfaq.v17i1.2847

Abstract

This study is motivated by the significant gap between the national zakat potential of IDR 327 trillion and its actual collection , further influenced by issues surrounding the credibility and public image of zakat management organizations. This research aims to analyze the financial health of the National Amil Zakat Agency (BAZNAS RI) as the central coordinating entity based on the Zakat Management Organization Health Index (IKOPZ) for the 2020–2024 period. A quantitative method with a descriptive approach was employed, utilizing secondary data from audited annual financial statements and official annual reports of BAZNAS RI. Financial performance was evaluated through five core IKOPZ indicators: activity ratio, efficiency ratio, amil fund ratio, liquidity ratio, and growth ratio. The results reveal that the overall financial performance of BAZNAS RI fell into the good and healthy category. In terms of activity, fund management was effective, despite a temporary decline in the Allocation to Collection Ratio (ACR) in 2023. The efficiency aspect demonstrated excellent performance, successfully reducing operational expenses to 1% while consistently maintaining amil rights at a stable 11%. The institution's liquidity was highly liquid in meeting short-term obligations. Meanwhile, the growth aspect displayed a positive yet fluctuating trend , notably a contraction in infaq/sadaqah growth in 2021 (-9%) which was resiliently countered by a massive surge in 2023 (151%). The implications of this study reaffirm the professionalism of BAZNAS RI's financial governance, serving as a fundamental asset to strengthen public trust to optimize national zakat potential absorption.
Formulating a Management Maturity Model for Zakat Institutions Using an Organizational Governance Approach Achmad Zaki; Qurroh Ayuniyyah; Ahmad Juwaini; Hambari; Didin Hafidhuddin
Lan Tabur: JURNAL EKONOMI SYARIAH Vol. 8 No. 1 (2026): September
Publisher : LAN TABUR: Jurnal Ekonomi Syariah The Islamic University of KH. Achmad Muzakki Syah Jember, East Java. Jember Jln. Manggar Gebang Poreng 139A Patrang Jember Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53515/lt.v8i1.216

Abstract

This study aims to develop a comprehensive reference framework for assessing the management maturity level of zakat institutions using an organizational governance approach grounded in ISO 37000:2021 (Governance of Organizations) and ISO 37004:2023 (Guidance for Sustainable Governance). Despite zakat’s enormous potential in Indonesia, estimated at IDR 216.54 trillion or 1.75% of GDP, actual collection remains below 10% of this potential. A significant contributing factor is the limited maturity of governance and management practices within zakat institutions. This study employs a sequential mixed-methods design consisting of three integrated stages: a comprehensive desk study and literature review, Focus Group Discussions (FGDs) with 25 practitioners and stakeholders from various LAZ institutions supplemented by semi-structured expert interviews, and the application of the Multi-Stage Weighted Index (MSWI) method. The resulting framework comprises eight governance principles, fifteen dimensions, thirty-four variables, and eighty-three indicators, each evaluated across a six-level maturity scale from Undefined (Level 0) to Optimizing (Level 5). The eight principles, Purpose (21%), Leadership (19%), Risk Governance (13%), Stakeholder Engagement (11%), Accountability (11%), Data and Decision (10%), Viability and Performance Over Time (8%), and Social Responsibility (8%), were weighted through expert consensus. The model produces a composite maturity index scored from 0 to 5, offering broader governance coverage than existing frameworks and providing a standardized, replicable assessment tool applicable across both BAZNAS and LAZ institutions.
Korelasi Penggunaan Video Mapel PAI Channel Terhadap Motivasi Belajar Siswa SMA Farah Sauvika; Fahmi Irfani; Qurroh Ayuniyyah
FIKRAH Vol 10 No 1 (2026): JUNI
Publisher : Ibn Khaldun University, Bogor

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

Abstract

Di tengah derasnya arus digitalisasi, pembelajaran Pendidikan Agama Islam (PAI) kerap menghadapi persoalan klasik: rendahnya motivasi belajar siswa. Berangkat dari keresahan tersebut, penelitian ini mengkaji sejauh mana pemanfaatan video "Mapel PAI Channel" di YouTube dapat berhubungan dengan motivasi belajar PAI siswa kelas X SMA Islam Al-Falah Cibinong, khususnya pada materi Wali Songo. Sebanyak 63 siswa dilibatkan sebagai responden melalui teknik total sampling, dengan data yang dijaring menggunakan kuesioner skala Likert dan diolah melalui uji korelasi Spearman rho. Motivasi belajar dalam penelitian ini dianalisis menggunakan model ARCS (Attention, Relevance, Confidence, Satisfaction) yang digagas oleh John Keller. Menariknya, kendati efektivitas video maupun motivasi siswa sama-sama berada dalam kategori sedang, keduanya menunjukkan korelasi positif yang sangat kuat dan signifikan (rs = 0,907; p < 0,001). Artinya, semakin intensif siswa memanfaatkan video tersebut, semakin tinggi pula dorongan belajarnya. Temuan ini memberi sinyal bahwa media video berbasis YouTube, jika dirancang dengan pendekatan pedagogis yang tepat, berpotensi menjadi penopang nyata bagi pembelajaran PAI di era Kurikulum Merdeka. Kata kunci: Media Pembelajaran Video; Motivasi Belajar; Wali Songo
What Factors Influence the Welfare of Zakat Beneficiaries? Qurroh Ayuniyyah; Hambari; Hilman Hakiem; Ahmad Faisal
Journal of Islamic Monetary Economics and Finance Vol. 11 No. 3 (2025)
Publisher : Bank Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21098/jimf.v11i3.2171

Abstract

This study investigates the influence of demographic, social, and economic variables on the welfare of zakat beneficiaries in West Java, Indonesia. Using a sample of 1,300 zakat beneficiaries, the paper applies the Chi-square Automatic Interaction Detector (CHAID) method. Our findings suggest the crucial role of monitoring by amil institutions in the respective areas on the improvement of material and spiritual conditions of zakat beneficiaries. The study suggests that amil plays a major part in the success of zakat distribution programs and the programs should be further enhanced for the betterment of zakat beneficiaries. This study also shows that apart from zakat distribution programs, there are also some demographic, social, and economic variables that affect the income and spiritual conditions of zakat beneficiaries.
Integrating Yusuf Al-Qaradawi’s Concept of Maqasid Zakat with the Maqasid al-Muʿāmalāt al-Māliyyah for the Development of Islamic Economics Hambari; Qurroh Ayuniyyah; Hilman Hakiem; Fithriyyah Shalihati; Mohammad Hidir Baharudin
Lan Tabur: JURNAL EKONOMI SYARIAH Vol. 8 No. 1 (2026): September
Publisher : LAN TABUR: Jurnal Ekonomi Syariah The Islamic University of KH. Achmad Muzakki Syah Jember, East Java. Jember Jln. Manggar Gebang Poreng 139A Patrang Jember Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53515/lt.v8i1.227

Abstract

This study explores the integration of Yusuf al-Qaradawi’s concept of maqāṣid al-zakāt with the objectives of maqāṣid al-muʿāmalāt al-māliyyah as a unified framework for advancing Islamic economics. Al-Qaradawi emphasizes zakat not only as an act of worship but as a dynamic socio-economic tool that aims to eliminate poverty, ensure equitable wealth distribution, and promote social solidarity. Meanwhile, Islamic financial transactions rooted in maqāṣid al-sharīʿah prioritize ethical principles such as justice, wealth preservation, transparency, and risk-sharing. Through a qualitative conceptual analysis using thematic synthesis and comparative ijtihād, this research reveals that both systems share a mutual aim: achieving public welfare (maṣlaḥah). The convergence of these maqāṣid enables a comprehensive model that combines redistributive mechanisms (zakat) with productive instruments (Islamic finance). This model addresses critical challenges in Muslim societies such as poverty, underdevelopment, and inequality, while aligning Islamic economics with sustainable development goals (SDGs). The study proposes practical collaboration between zakat institutions and Islamic financial entities and highlights the significance of ethical reintegration in financial design. By adopting Al-Qaradawi’s purposive jurisprudence, this research offers a transformative framework for Islamic economic development that balances legal compliance, spiritual obligation, and social justice.
Co-Authors Abdi Ridho, Muhammad Abdul Husenudin Achmad Zaki Ahmad Faisal Ahmad Juwaeni Ahmad Juwaini Ahmad Nur Ahsan Akhmad Affandi Mahfudz 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 Eifa Siti Luciana Al-Hakim Eko Saputra Eko Saputra ERISMEN ARMEN, RIO Fahmi Irfani Fakrikha, Yuni Yulia Farah Sauvika Hafidhudin, Didin Hambari Hambari, Hambari Hari Irawan Hari Susanto Harifuddin, Didin Hendri Tanjung Hilman Hakiem Husnul Khatimah Husnul Khatimah Ibdalsyah 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 Rofi Udin Nur Fuadi M Zaaf Fadzlan Rabbani Garamatan Mabruroh, Mabruroh Mohamed Aslam Mohamed Haneef Mohammad Hidir Baharudin Mufti Maula Alfani Muhammad Abdi Ridha Muhammad Ali Fikri Muhammad Irwan Ariffin Nadia Zahra Nazrol Kamil Bin Mustaffa Kamil Norma Md Saad Norma Md Saad Norma Md. Saad Nur Hasan, Ahmad Nurhayati, Immas Nurman Hakim 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 Shalihati, Fithriyyah Sodik Sodik, Sodik Sofiyan Rudianto Sofiyan Rudianto Sri Marti Pramudena Sujanu Harto Mulyono Sulaeman, Cece Sulkan Imron Syarifah Gustiawati Mukri 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