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All Journal EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Syarikat : Jurnal Rumpun Ekonomi Syariah International Journal of Economics Development Research (IJEDR) Journal of Social Science West Science Interdisciplinary Studies West Science Accounting and Finance West Science Islamic Studies Jurnal Ekonomi, Manajemen, Akuntansi Nomico Journal of Islamic Economy
Efendi Sugianto
Universitas Pertiba
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Energy Social Sciences Other

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Journal : Journal of Islamic Economy

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Optimization Strategy for Zakat Collection and Distribution in the Digital Era Efendi Sugianto
Journal of Islamic Economy Vol. 2 No. 2 (2025): JULY-JOIE
Publisher : Pt. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/06dvjr47

Abstract

This study aims to analyze the strategy for optimizing zakat collection and distribution in the digital era, especially in the context of efficiency, transparency, and service reach. The background of this study is the still low realization of zakat collection compared to the very large national potential, as well as the challenges of unequal zakat distribution. The research method used is qualitative descriptive with data collection techniques in the form of in-depth interviews, document studies, and secondary data analysis from zakat institutions and other relevant sources. The results of the study show that digitalization of zakat through applications, e-wallets, and online payment systems can increase ease of access for muzakki and expand the reach of distribution to mustahik. Transparency of digital reports also encourages public trust, while infrastructure challenges and digital literacy remain obstacles that need to be overcome. This study emphasizes the importance of collaboration between the government, zakat institutions, and the technology sector to build an effective zakat system in the digital era.The findings of this study indicate that the use of digital technology, such as mobile-based zakat applications, QRIS systems, e-wallets, and online payments, have made a real contribution to increasing ease of access for muzakki and streamlining the zakat fund collection process. Furthermore, zakat distribution has become more structured and more widely accessible due to the integration of data and technology-based tracking systems. In addition, the transparency of real-time digital reports has been proven to increase the level of public trust in zakat institutions. However, this study also found that infrastructure challenges, technological gaps between regions, and low digital literacy, both among zakat managers and recipients, are still serious obstacles in efforts to optimize the digital zakat system.
The Influence of the Role of Islamic Financial Institutions on Optimizing Islamic Economic Policy Through Increasing Productive Financing in Bangka Belitung Province Efendi Sugianto; Mohamad Makrus; Afrizal Afrizal
Journal of Islamic Economy Vol. 2 No. 3 (2025): NOVEMBER-JOIE
Publisher : Pt. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/8er1k271

Abstract

This study aims to analyze the influence of Islamic financial institutions (IFIs) on the optimization of Islamic economic policy through increased productive financing in the Bangka Belitung Islands Province. The background to this study is the low proportion of productive financing channeled by IFIs, as most funds are still focused on the consumer sector and therefore do not contribute optimally to regional economic development. Using a quantitative approach with the Structural Equation Modeling (SEM) method, the study involved 120 respondents consisting of ISI employees, customers, MSME actors, and regional policy makers. The results show that the role of ISIs has a positive and significant effect on increasing productive financing with a regression coefficient of 0.68 and significance below 0.05. Productive financing also has a significant effect on the optimization of Islamic economic policy with a regression coefficient of 0.72 and an R² value of 0.73. The variable of productive financing plays an important mediating role in strengthening the relationship between the role of LKS and Islamic economic policy, particularly through the MSME, agriculture, and fisheries sectors. These findings confirm the relevance of Islamic finance theory and the principles of maqashid al-syariah, and emphasize the importance of synergy between the government, Islamic financial institutions, and the community in building a fair, inclusive, and sustainable Islamic economic ecosystem
Co-Authors Achmad Napis Qurtubi Afrizal Afrizal Efran Dinata Erna Kustyarini Ilham Rahim Ilham Rahim Moh Gifari Sono Mohamad Makrus Muhammad Umar Kelibia Napu, Fithriah Palupiningtyas, Dyah Ridwansyah Sa'diyah MA Sudarmanto, Eko Sukardi Sukardi