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Implementation of the Financial Inclusion Concept in the Zakat Payment System at BAZNAS Kampar Regency Hasda, Mifta; Reza, Saru; Arif, Muhammad; Cahyani, Binda Rahma
General Multidisciplinary Research Journal Vol. 2 No. 2 (2025)
Publisher : Global Sustainability Research Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63453/general.v2i2.47

Abstract

Introduction:This study explores the implementation of inclusive zakat payment systems at the National Zakat Agency (BAZNAS) in Kampar Regency. Inclusive zakat payment aims to provide broader and easier access for muzakki (zakat payers) in fulfilling their zakat obligations, both through direct and digital channels. This initiative supports financial inclusion by integrating zakat management into accessible and innovative financial services. Methods:The research employed a qualitative approach. Data were obtained through interviews with key informants, including BAZNAS leaders in Kampar Regency, as well as secondary data from relevant literature, reports, and official documents. data analysis using the Miles and Huberman 1994 approach. The analysis focused on understanding the implementation process, accessibility, and service quality of zakat payment mechanisms. Results:The findings indicate that zakat payment access in Kampar Regency is relatively easy and affordable. Muzakki can pay zakat directly at the BAZNAS office, through nearby UPZ (Zakat Units), or via digital platforms. BAZNAS offers various zakat products tailored to the needs of the payers. Additionally, the competence and service quality of amil (zakat officers) are crucial factors influencing effective implementation. The inclusive approach has also contributed to an increase in the total amount of zakat collected in the region. Conclusion and Suggestion: The implementation of inclusive zakat payments at BAZNAS Kampar has successfully expanded access and improved the efficiency of zakat collection. To sustain and enhance these outcomes, BAZNAS is encouraged to continuously develop digital payment innovations, strengthen amil training, and promote public awareness campaigns about the benefits of zakat inclusion.
Penguatan Pemahaman dan Kesadaran Siswa MA PPMTI Tanjung Berulak Air Tiris terhadap Prinsip Keuangan Syariah Syaipudin, Muhammad; Hasda, Miftah; Riski, Syafnur Muhammad; Mardiyah, Suci
CARE: Journal Pengabdian Multi Disiplin Vol. 3 No. 2 (2025)
Publisher : Fakultas Agama Islam Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/care.v3i2.50945

Abstract

Kegiatan pengabdian kepada masyarakat ini dilaksanakan di Pondok Pesantren Madrasah Tarbiyah Islamiah (PPMTI) Tanjung Berulak dengan tema “Peningkatan Kesadaran dan Pengetahuan Prinsip Keuangan Syariah bagi Santri PPMTI Tanjung Berulak.” Tujuan kegiatan ini adalah untuk meningkatkan dan mengukur tingkat kesadaran serta pemahaman santri terhadap prinsip-prinsip keuangan syariah. Dalam rangka mencetak generasi muda yang tidak hanya memahami nilai-nilai keislaman tetapi juga mampu menerapkan prinsip keuangan syariah, kegiatan ini memberikan edukasi mengenai konsep dasar keuangan syariah dan implementasinya dalam lembaga keuangan syariah, khususnya pada bank syariah. Metode pelaksanaan kegiatan meliputi tahapan persiapan, pelaksanaan, dan evaluasi. Tahap persiapan dilakukan melalui koordinasi dengan pihak pesantren, penyusunan materi, dan pembuatan media pembelajaran. Tahap pelaksanaan menggunakan metode ceramah dan diskusi interaktif, diikuti oleh santri kelas 12. Setelah penyampaian materi, dilakukan sesi tanya jawab untuk memperdalam pemahaman peserta. Hasil kegiatan menunjukkan adanya peningkatan kesadaran dan pengetahuan santri terhadap prinsip keuangan syariah serta meningkatnya antusiasme mereka untuk menerapkannya dalam kehidupan sehari-hari. Kegiatan ini diharapkan dapat memberikan manfaat berkelanjutan bagi para santri dan menjadikan mereka sebagai agen perubahan dalam mempromosikan keuangan syariah di lingkungan pesantren maupun masyarakat luas.
Comparative Analysis of The Benefits of Sukuk and Bonds in Indonesia Mardiyah, Suci; Zahrah, Alfiatun; Syaipudin, Muhammad; Hasda, Mifta; Sudirman, Wahyu Febri Ramadhan
Journal of Financial and Business Vol 1 No 1 (2024)
Publisher : Global Sustainability Research Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/jfb.v1i1.13

Abstract

This research aims to analyze the comparison of profits between sukuk and bonds in Indonesia, focusing on aspects such as structure, principles, and regulations, as well as the risk and profit profile of each instrument. Sukuk, which is based on Islamic sharia principles, offers the benefits of real asset ownership and profit-sharing-based income, while conventional bonds offer certainty of income through fixed interest payments. This study also discusses regulations governing the issuance of sukuk and bonds, and their impact on investment security and transparency. The analysis results show that sukuk are more attractive to investors who seek sharia compliance and stability in real assets, while bonds are more attractive to those who want income certainty and investment flexibility. This research concludes that the choice between sukuk and bonds must be adjusted to the risk profile, investment objectives, and personal preferences of each investor in Indonesia.
Development of Mutual Funds in The Indonesian Capital Market Rizky, Syafnur Muhammad; Andini, Bunga; Hasda, Mifta; Syaipudin, Muhammad; Sudirman, Wahyu Febri Ramadhan
Journal of Financial and Business Vol 1 No 1 (2024)
Publisher : Global Sustainability Research Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/jfb.v1i1.15

Abstract

This research examines the development of mutual funds in the context of the Indonesian capital market. Mutual funds have become one of the investment instruments that is increasingly popular and important in diversifying investor portfolios in Indonesia. This research aims to analyze the factors that influence the growth of mutual funds, the role of regulation in regulating the market, and the challenges faced in optimizing the potential of mutual funds as an effective and safe investment instrument. This study uses a descriptive-analytical approach by collecting secondary data from various literature sources related to the development of capital markets and mutual funds in Indonesia. The analysis results show that the growth of mutual funds is influenced by increasing public financial awareness and ease of access to information about investment products. The regulatory role carried out by the Financial Services Authority (OJK) also contributes to creating a more structured and safe investment environment for investors. However, several challenges need to be overcome, such as market fluctuations which can affect investment values, liquidity problems in several types of mutual funds, as well as expanding financial education to the public. Better regulation is needed to address these challenges and increase transparency and protection for investors.