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Analyzing the Impact of Digital Transformation in Islamic Philanthropy using UTAUT Model Mukhamad Yazid Afandi
Afkaruna: Indonesian Interdisciplinary Journal of Islamic Studies Vol 19, No 2: December 2023
Publisher : Fakultas Agama Islam Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/afkaruna.v19i2.16086

This study aims to assess individual habits in adopting digital payment technologies in Islamic philanthropic institutions. This research uses the UTAUT model, which explains user behavior in relation to information technology adoption. The population of this study was people who have used digital payments in philanthropic institutions, e.g., M-banking, QRIS, e-wallet, e-money, crowdfunding, marketplace, etc. A sample of 250 respondents was obtained using a random sampling technique. The UTAUT model was performed using structural equation modeling (SEM) via SmartPLS. The results showed that all constructs had a significant positive impact, except for the effect of facilitating conditions on usage behavior. This study shows that the digitization of payment transactions is still aimed at the segment of well-informed technology users. Policyholders, therefore, need to become more involved in the digital transformation campaign, which targets all potential segments, e.g., the middle-aged working class. Due to this segmentation, they have a high awareness of donations in addition to the income opportunities.

Islamic Spiritual Well-Being as a Mediator in CRM–Loyalty Relationships: Evidence from Islamic Microfinance Nurul Huda; Misnen Ardiansyah; Mukhamad Yazid Afandi
Business and Applied Management Journal Vol. 3 No. 1 (2025)
Publisher : Al-Qalam Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61987/bamj.v3i1.528

This study examines the influence of Customer Relationship Management (CRM) on customer loyalty among Muslim members of Islamic microfinance institutions and investigates the mediating role of Islamic Spiritual Well-Being (ISWB). Grounded in the Stimulus–Organism–Response (S–O–R) framework and the Islamic moral economy perspective, the study explores how CRM can cultivate loyalty rooted in Islamic values within Baitul Maal Wat Tamwil (BMT), a community-based Islamic financial cooperative. A quantitative cross-sectional survey was conducted with 225 members of BMT Nahdlatul Ulama in Madura, Indonesia. ISWB was measured using a nine-item scale representing Islamic virtues such as Falah, Taqarrub, Itqan, Istiqamah, Ta’awun, Ikhlas, Akhlaq, Tawazun, and Qana’ah, while CRM and customer loyalty were measured using established scales. Data were analysed using Partial Least Squares Structural Equation Modelling (PLS-SEM) with SmartPLS 4 and bootstrapping (5,000 resamples). The findings show that CRM significantly influences ISWB (β = 0.780, p < 0.001) and directly affects customer loyalty (β = 0.180, p < 0.05). ISWB also significantly enhances customer loyalty (β = 0.541, p < 0.001) and partially mediates the CRM–loyalty relationship (indirect β = 0.422), accounting for 70.1% of the total effect. These results highlight the importance of integrating Islamic values into CRM practices to strengthen spiritually grounded customer loyalty in Islamic financial institutions.

Analyzing the Impact of Digital Transformation in Islamic Philanthropy using UTAUT Model Mukhamad Yazid Afandi
Afkaruna: Indonesian Interdisciplinary Journal of Islamic Studies Vol. 19 No. 2: December 2023
Publisher : Fakultas Studi Islam dan Peradaban, Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/afkaruna.v19i2.16086

This study aims to assess individual habits in adopting digital payment technologies in Islamic philanthropic institutions. This research uses the UTAUT model, which explains user behavior in relation to information technology adoption. The population of this study was people who have used digital payments in philanthropic institutions, e.g., M-banking, QRIS, e-wallet, e-money, crowdfunding, marketplace, etc. A sample of 250 respondents was obtained using a random sampling technique. The UTAUT model was performed using structural equation modeling (SEM) via SmartPLS. The results showed that all constructs had a significant positive impact, except for the effect of facilitating conditions on usage behavior. This study shows that the digitization of payment transactions is still aimed at the segment of well-informed technology users. Policyholders, therefore, need to become more involved in the digital transformation campaign, which targets all potential segments, e.g., the middle-aged working class. Due to this segmentation, they have a high awareness of donations in addition to the income opportunities.

Reimagining Islamic Philanthropy in the Digital Economy: A Comparative Analysis of Branding as Ethical Capital in Private and State-Owned Institutions Muhammad Deni Putra; Aziz Muslim; Mukhamad Yazid Afandi; Abdullah Sahroni; Muhammad Kamil Husain; Sari Utami
IQTISHODUNA: Jurnal Ekonomi Islam Vol. 15 No. 1 (2026): April
Publisher : Department of Sharia Economics Faculty of Islamic Economics and Business, Universitas Islam Syarifuddin Lumajang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/iqtishoduna.v15i1.3443

This qualitative library research examines the contrast in social media branding effectiveness between private and state-owned Islamic philanthropic institutions, an important issue in the digital era where public trust and engagement are essential. Using a systematic thematic analysis of scholarly literature published between 2014 and 2024, the study finds that private institutions consistently outperform their state-owned counterparts by leveraging organizational agility, innovative storytelling, and transparent communication. These practices are further interpreted as contemporary manifestations of core Islamic values, namely amanah (trust) and ihsan (excellence). The primary objective of this study is to identify the underlying factors contributing to this disparity and to generate actionable insights for optimizing digital outreach in Islamic philanthropy. The findings suggest that effective branding is not merely a technical advantage but also reflects a deeper institutional alignment with ethical principles, enabling private institutions to build stronger community engagement and donor loyalty. Accordingly, this study offers important implications by proposing a transformative approach through which state-owned institutions can adopt value-based digital strategies to enhance transparency, public appeal, and overall social impact, thereby strengthening the Islamic economic ecosystem in the twenty-first century.

Developing MSE Sustainability Through Islamic Wealth Management in Madura Maksum; Azis Muslim; Mukhamad Yazid Afandi
Islam Transformatif : Journal of Islamic Studies Vol. 10 No. 1 (2026): January-June 2026
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/it.v10i1.10760

This study explores the role of Islamic Wealth Management (IWM) in supporting Micro and Small Enterprise (MSE) sustainability in Madura, Indonesia. Using an exploratory approach that combines conceptual analysis and contextual examination, the research examines how five IWM aspects (wealth creation, accumulation, protection, purification, and distribution) can be implemented through existing Islamic financial infrastructure. The study collected data through content analysis of academic literature and documentation from Islamic financial institutions operating in Madura. Findings reveal that extensive Islamic financial infrastructure across four regencies in Madura, including Islamic commercial banks, Islamic rural banks, and Islamic microfinance institutions, provides comprehensive products aligned with each IWM aspect. These five aspects form an integrated cycle, creating a sharia-based circular economy where wealth distribution from established MSEs becomes wealth creation for emerging enterprises. This interconnection potentially supports MSE sustainability across economic (profitability and resilience), social (employment and community cohesion), and spiritual (religious achievement and business blessings) dimensions. The study contributes to IWM literature by demonstrating the importance of infrastructure density and local context in implementation effectiveness. Despite limitations as an exploratory study based on secondary data, findings suggest Madura's Islamic financial infrastructure provides a strong foundation for IWM implementation as an alternative strategy for MSE sustainability.

Maqasid al-Sharia and Anti-Corruption Governance: An Operational Framework for Evaluating State Officials' Wealth Disclosure in Indonesia Zaki Sima Fashimado; Mukhamad Yazid Afandi
Walisongo Journal of Sharia Economic Law Vol. 2 No. 2 (2026): Walisongo Journal of Sharia Economic Law
Publisher : Department of Sharia Economic Law

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/wishel.2026.2.2.32247

Public-sector asset disclosure is central to anti-corruption governance, but its substantive effectiveness still needs attention. In Indonesia, the State Officials' Wealth Report (Laporan Harta Kekayaan Penyelenggara Negara—LHKPN) is the principal disclosure instrument; however, 2025 statistics released by the Komisi Pemberantasan Korupsi (KPK) reveal a 3.18-percentage-point gap between submission (98.51%) and substantive completeness (95.33%) across 415,062 reporting officials, alongside an 11.74-percentage-point asymmetry between the judicial sector (99.65%) and the central legislative sector (87.91%). This study evaluates the substantive effectiveness of LHKPN through the maqasid al-sharia framework, with particular emphasis on hifz al-mal (protection of wealth), and develops an operational diagnostic framework for assessing public-sector asset disclosure regimes in Muslim-majority democracies. The study adopts a normative-analytical legal research design integrating statutory, conceptual, and maqasid-evaluation approaches. Hifz al-mal is operationalised into four diagnostic criteria—preventive transparency (wuduh/rawaj), rigorous verification (hifdh/thabat), proportionate sanction (adl), and ethical stewardship (amanah/ihsan)—anchored in the classical jurisprudence of Ibn Ashur and al-Shatibi and applied to the 2025 KPK dataset, with operational grounding in the indicator framework of Zailani et al. (2022). Although Indonesia's legal framework is institutionally robust, LHKPN's substantive effectiveness is undermined by verification deficits, sanction asymmetries, and an ethical-formation gap. Of the four criteria, only preventive transparency is partially fulfilled; the remaining three are substantially or structurally unfulfilled. The study contributes an operational framework for evaluating public-sector asset disclosure in Muslim-majority democracies and highlights the need to combine institutional reform with integrity formation grounded in maqasid al-sharia.

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