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All Journal Indonesian Economic Review Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Agung Budiman
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Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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Studi Literatur: Peranan Perkembangan Fintech pada Kekuatan dan Peluang di Bank Syariah Berdasarkan Perspektif Ekonomi Islam Agung Budiman; Irvan Widi Santoso; Agus Eko Sujianto
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 6 No. 6 (2024): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah (in Press)
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v6i6.1527

Abstract

In today's increasingly advanced era, all human needs cannot be separated from technology. The development of technology in the financial sector, known as Financial Technology (Fintech), has made all entities, especially banking, including Islamic banks, use the role of fintech as an opportunity and strength in developing their business. The development and use of sharia banking technology has become a matter of debate because it is feared that it will not be in accordance with sharia economic views in its operations. The aim of this research is to find out the strengths and opportunities of the development of Financial Technology for Islamic banks based on an Islamic economic perspective. By using a qualitative approach in the form of literature study. Data collection in this research was by observation, reading and concluding existing data collected from various sources, journals, websites, articles. The results of this research show that the role of fintech development in the strengths and opportunities in Islamic banks has a positive impact regarding the strengths and opportunities that make Islamic banks able to compete with conventional banks in attracting customer attention. Apart from that, sharia banking continues to use Islamic teachings as a reference in carrying out all operational flows in sharia banking so that this does not deviate from the provisions of Islamic economics. There are several points in the main sources of Islamic law which make the existence of fintech in sharia banking permitted as long as it does not contain elements of elements that are forbidden in Islam.
The Influence of Distribution, Utilization of Zakat, Infaq, and Sadaqah (ZIS), and Religiosity on the Behavior of Mustahiq and Transparency as an Intervening Variable in Zakat Management Institutions in Tulungagung Regency Agung Budiman; Akhyak Akhyak; Binti Nur Asiyah
Indonesian Economic Review Vol. 5 No. 2 (2025): August : Indonesian Economic Review
Publisher : Cahaya Abadi Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53787/iconev.v5i2.68

Abstract

This research was motivated by the many problems regarding transparency, service and religiosity that occurred in the National Zakat Agency Tulungagung Regency, such as the management of the Tulungagung National Zakat Agency experienced a vacuum in management and in conducting its audits it was not consistent every quarter but only at the end of each year.  This study uses a quantitative approach. The type of research used in this study is associative research. The data collection technique used in this study uses a questionnaire. The population in this study were all Mustahiq at the Tulungagung Zakat Collection Institution, totaling 2166 Mustahiq. Based on the determination of the number of Isaac and Michael samples from a population of 2166, the research sample was 241 respondents, but due to reasons of the suitability of filling out the complete questionnaire, 185 respondents filled out the questionnaire, so that in this study the sample taken was 185 respondents. So the sample in this study was 185 Mustahiq. The results of the study indicate that there is a significant influence of the distribution of Zakat, Infaq and Alms Funds on the behavior of Mustahiq at the Zakat Amil Institution in Tulungagung Regency; There is a significant influence of the utilization of Zakat, Infaq and Alms Funds on the behavior of Mustahiq at the Amil Zakat Institution in Tulungagung Regency; There is a significant influence of religiosity on the behavior of Mustahiq at the Amil Zakat Institution in Tulungagung Regency; There is a significant influence of transparency on the behavior of Mustahiq at the Amil Zakat Institution in Tulungagung Regency; There is no significant influence of the distribution of Zakat, Infaq and Alms Funds on the behavior of Mustahiq through transparency at the Amil Zakat Institution in Tulungagung Regency; There is an influence of the utilization of Zakat, Infaq and Alms Funds on the behavior of Mustahiq through transparency at the Amil Zakat Institution in Tulungagung Regency; There is an influence of religiosity on the behavior of Mustahiq through transparency at the Amil Zakat Institution in Tulungagung Regency.
Co-Authors Agus Eko Sujianto Akhyak Akhyak Binti Nur Asiyah Irvan Widi Santoso