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All Journal Laa Maisyir Jurnal Ekonomi Islam Jurnal Ekonomi dan Bisnis El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Ekonomics, Finance, and Management Studies
Hulwati
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Religion Agriculture, Biological Sciences & Forestry Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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Peran Moderasi Altruisme: Literasi Zakat, Pendapatan dan Minat Muzakki Roihan Habibi; Ahmad Wira; Hulwati
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 7 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i7.4112

Abstract

This study aims to look at the moderating role of altruism in influencing zakat literacy and income on muzakki intention whether the role of altruism is able to strengthen or otherwise weaken the interest of muzakki at the Dompet Dhuafa Singgalang institution. The methodology in this research is a quantitative approach by applying SmartPLS 3.0 software. Primary data was obtained through distributing questionnaires to Dompet Dhuafa Singgalang donors. The sample was taken through the purposive sampling technique method and the calculation of the sample size using the Isaac and Michael formula resulted in 360 respondents. the results of these findings provide the fact that the direct effect of altruism and muzakki intention has a positive but insignificant effect. While the direct effect of zakat literacy and income variables on muzakki intention has a positive and significant effect. Furthermore, the moderating role of altruistic is not able to provide a moderating effect on the effect of zakat literacy and muzakki intention, so it can be said that the moderating role of altruistic weakens the moderating effect. The role of altruistic is also unable to provide a moderating effect on income and muzakki intention, so it can be categorized that the moderating role of altruistic weakens the moderating effect.
Peran Moderasi Altruisme: Literasi Zakat, Pendapatan dan Minat Muzakki Roihan Habibi; Ahmad Wira; Hulwati
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 7 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i7.4112

Abstract

This study aims to look at the moderating role of altruism in influencing zakat literacy and income on muzakki intention whether the role of altruism is able to strengthen or otherwise weaken the interest of muzakki at the Dompet Dhuafa Singgalang institution. The methodology in this research is a quantitative approach by applying SmartPLS 3.0 software. Primary data was obtained through distributing questionnaires to Dompet Dhuafa Singgalang donors. The sample was taken through the purposive sampling technique method and the calculation of the sample size using the Isaac and Michael formula resulted in 360 respondents. the results of these findings provide the fact that the direct effect of altruism and muzakki intention has a positive but insignificant effect. While the direct effect of zakat literacy and income variables on muzakki intention has a positive and significant effect. Furthermore, the moderating role of altruistic is not able to provide a moderating effect on the effect of zakat literacy and muzakki intention, so it can be said that the moderating role of altruistic weakens the moderating effect. The role of altruistic is also unable to provide a moderating effect on income and muzakki intention, so it can be categorized that the moderating role of altruistic weakens the moderating effect.
AKSESIBILITAS PEMBAYARAN BITCOIN DALAM PERSPEKTIF FIQH EKONOMI Erizal Candra Efendi; Wildan Hadi; Robi Harjoni Putra; Al Aziz; Hulwati; Duhriah
Jurnal Ekonomi dan Bisnis Vol. 2 No. 12 (2024): Desember
Publisher : ADISAM PUBLISHER

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

Abstract

This study examines the potential of Bitcoin as a payment tool that aligns with Islamic principles in the context of economic fiqh. Bitcoin, as a form of cryptocurrency, offers innovation in the global payment system, particularly for individuals and businesses in developing countries who are marginalized from traditional financial services. With its decentralized nature, Bitcoin can enhance payment accessibility and support financial inclusion. However, challenges such as price volatility, lack of clear regulations, and low financial literacy remain significant barriers to its adoption. This research uses a literature review method to explore how Bitcoin can function as a legitimate alternative in financial transactions, as well as to identify the existing challenges and opportunities. The findings show that while Bitcoin has great potential, comprehensive regulatory development and improved financial literacy are needed to maximize its effective use. This study contributes to the development of economic fiqh and the digital financial sector, and paves the way for policies that support the growth of Bitcoin as a beneficial payment tool for society, especially in areas with limited access to formal banking systems.
Green Finance Based Access to Financing in Islamic Microfinance: A Case Study of the UMi AMBO Program in Padang Seppi Mustion; Aulia Ikhwani; Natasya Amelia Wulandari; Hulwati; Ahmad Wira
LAA MAISYIR: Jurnal Ekonomi Islam Vol 12 No 1 (2025)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/lamaisyir.v12i1.57269

Abstract

This study aims to analyze access to financing based on green finance, using a case study of the UMi AMBO program. The research employs a qualitative approach, collecting data through interviews, observations, and documentation.  The implementation of green finance program in Padang not only enhances access to financing for micro enterprises but also encourages environmentally friendly business practices. This requires simplification of procedures, improvement in banking service quality, and strengthening of the capacity of micro, small, and medium enterprises. The UMi AMBO financing program has proven effective in supporting microenterprise development and promoting financial inclusion for small business actors. Innovations in the application of green finance-based financing and enhancement of mentoring programs for beneficiaries are necessary. If managed properly, the ultra micro financing can serve as a model for other financial institutions to implement green finance, eliminate predatory lending practices, and empower MSMEs to grow sustainably. It can be concluded that the program is also based on the principles of Islamic economics, such as ‘adl), balance (tawazun), prohibition of usury (riba), social responsibility (maslahah), and profit-and-loss sharing mechanisms. These principles ensure that financing is conducted ethically and sustainably, in alignment with Islamic values and the goals of sustainable economic development.
Co-Authors AHMAD WIRA Al Aziz Aulia Ikhwani Duhriah, Duhriah Erizal Candra Efendi Natasya Amelia Wulandari Robi Harjoni Putra Roihan Habibi Seppi Mustion Wildan Hadi