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All Journal Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) Jurnal Ilmiah Ekonomi Islam Jurnal Ilmiah Edunomika (JIE) JURNAL EKONOMI SYARIAH Jurnal Akuntansi, Manajemen Dan Ekonomi Islam (JAM-EKIS) Jurnal Terapan Ekonomi dan Bisnis (JTEB) Jurnal Manajemen dan Pemasaran
Rohman, Hilma Fanniar
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences

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Digital Fundraising Zakat: A Study on the Impact of Social Media Marketing and Crowdfunding Rohman, Hilma Fanniar; Amrullah, Amrullah; Ridha, Muhammad
JURNAL EKONOMI SYARIAH Vol 9, No 1 (2024): Jurnal Ekonomi Syariah
Publisher : Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jes.v9i1.10670

Abstract

Introduction to The Problem: Zakat is an obligation for a Muslim or a body that has met the requirements (Nisab and haul). Islam obliges to pay it to amil zakat institutions. The potential of a large Muslim population in Indonesia is directly proportional to the existing potential. However, the national zakat revenue is not proportional to the existing potential. the development of technology is accelerating and we are entering the digital era. causing Digital Fundraising Zakat to have an important role in the developments that occur in the dynamics of Zakat Fund Raising. Social Media Marketing and Crowdfunding Platform have an important role in Digital Fundraising Zakat.Purpose/Objective Study: This study aims to analyze Social Media Marketing and crowdfunding Platforms on the Decision to pay zakat in Ciamis Regency.Design/Methodology/Approach: The population of this research is all Muzakki in Ciamis Regency, while the sample is all Muzakki managers in Ciamis Regency who are under the auspices of Lembaga Amil Zakat Infaq Shadaqah Muhammadiyah Ciamis. Data was collected through questionnaire instruments and analyzed using descriptive statistical analysis techniques and Structural Equation Model (SEM) analysis.Findings: Based on the results of data analysis, social media marketing, and crowdfunding platforms are proven to have a significant and positive influence on people's decision to give zakat. This research has shown that the strategy of zakat institutions that utilize digital technology influences optimizing zakat collection.Paper Type: Research Article
PROFESSIONAL ZAKAT IN THE PERSPECTIVE OF MUHAMMADIYAH AND PERSATUAN ISLAM: A COMPARATIVE ANALYSIS Amrullah; Rohman, Hilma Fanniar
Jurnal Ilmiah Akuntansi, Manajemen dan Ekonomi Islam (JAM-EKIS) Vol. 8 No. 2 (2025): Jurnal Ilmiah Akuntansi, Manajemen, dan Ekonomi Islam (JAM-EKIS)
Publisher : Universitas Muhammadiyah Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36085/jamekis.v8i2.8434

Abstract

Zakat, as a fundamental pillar of Islam, serves as a potential instrument for poverty alleviation. Among its contemporary applications is professional zakat, which remains a subject of debate due to the lack of explicit references in classical Islamic texts. This study aims to compare the perspectives of Muhammadiyah and Persatuan Islam (Persis) regarding the obligation of professional zakat and analyze the istinbath methodologies employed by both organizations. This research adopts a qualitative approach with a descriptive-analytical and comparative method. Data collection was conducted through documentary analysis, library research, and interviews with key figures from Muhammadiyah and Persis. The findings reveal that Muhammadiyah considers professional zakat obligatory, using a broad interpretation of zakat provisions and analogy with zakat on gold and silver. In contrast, Persis does not recognize professional zakat, arguing that zakat is an ibadah mahdhah that cannot be established without explicit textual evidence. Instead, Persis suggests mandatory infak on professional income without a fixed rate and nisab. These differences highlight the diversity of ijtihad and practice in Islamic social finance among muslims. However, both organizations agree on the necessity of social contributions from professional income, whether through zakat or infak
STRATEGI MANAJEMEN RISIKO OPERASIONAL DALAM BISNIS E-COMMERCE UNTUK MENGHADAPI TANTANGAN DAN MENEMUKAN SOLUSI Sulpawati; Choirunnisa, Nabila; Rohman, Hilma Fanniar
Jurnal Manajemen dan Pemasaran Vol. 4 No. 1 (2025): Edisi Agustus 2025
Publisher : Universitas Haji Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51771/jumper.v4i1.1729

Abstract

The rapid development of e-commerce in the digital era presents both opportunities and operational challenges, such as technological disruptions, logistical risks, regulatory uncertainty, cybersecurity threats, and changes in consumer behavior. This study aims to formulate an effective operational risk management strategy by providing solutions using a qualitative approach through literature studies. The findings indicate that implementing comprehensive and adaptive risk management strategies is essential for ensuring the continuity of e-commerce businesses. The analyzed strategies—based on ISO 31000, the Value Chain approach, and the Theory of Constraints (TOC)—have proven effective in improving efficiency, data security, and customer trust. Cross-sector collaboration and clear regulatory frameworks are necessary to support the sustainability of e-commerce in Indonesia.
INSTANT GRATIFICATION VS ETIKA SYARIAH : STUDI PSIKOLOGI KEUANGAN DALAM PENGGUNAAN FINTECH OLEH GENERASI Z MUSLIM Hasanah, Uswatun; Widiana, Ketina; Rohman, Hilma Fanniar
Jurnal Terapan Ekonomi dan Bisnis Vol 5 No 2 (2025): September
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/jteb.v5i2.12144

Abstract

Perkembangan financial technology (fintech) telah mengubah pola perilaku keuangan Generasi Z Muslim, di mana kemudahan transaksi instan berpotensi memperkuat kecenderungan instant gratification yaitu kebutuhan untuk mendapatkan kepuasan sesaat tanpa mempertimbangkan konsekuensi jangka panjang. Namun, fenomena ini bertentangan dengan prinsip etika Syariah, seperti larangan riba, gharar, dan maysir. Penelitian ini bertujuan untuk menganalisis kesenjangan antara instant gratification dengan nilai-nilai keuangan Islam dalam penggunaan fintech, serta mengidentifikasi faktor psikologis dan sosial yang memengaruhi pengambilan keputusan keuangan. Metode penelitian ini  menggunakan literature review dengan analisis tematik terhadap sumber sekunder, termasuk jurnal, laporan, dan regulasi terkait fintech Syariah. Hasil penelitian menunjukkan bahwa rendahnya literasi keuangan Syariah dan pengaruh budaya digital memperparah kecenderungan instant gratification pada Generasi Z Muslim. Di sisi lain, fintech Syariah menawarkan solusi alternatif dengan prinsip keuangan syariah, meskipun masih menghadapi tantangan dalam inovasi dan sosialisasi. Untuk mengatasi hal ini, diperlukan pendekatan multidisiplin yang mencakup penguatan regulasi, edukasi berbasis digital, dan pengembangan produk fintech Syariah yang kompetitif.
Penerapan Akad Musyarakah Mutanaqisah Pada Perumahan Syariah Aster Village Ciwastra Menggunakan Produk Pembiayaan Kredit Bank Syariah Indonesia Utama, Sofyan Mei; Farid, Diana; Abdulah Pakarti, Muhammad Husni; Mabruri, Kemal Al Kautsar; Rohman, Hilma Fanniar
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

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

Abstract

House sale and purchase transactions in the context of sharia have become a major concern in the development of Islamic economic models that are based on the principles of justice, equality, and compliance with Islamic law. One of the contracts proposed to fulfill these principles is the Musyarakah Mutanaqisah Agreement. This study aims to analyze the application of the Musyarakah Mutanaqisah Agreement on home ownership loans in aster village Islamic housing where the implementation of credit is carried out through a Bank mechanism in this case Bank Syariah Indonesia (BSI). The research method used is a qualitative approach with a case study approach. Data were obtained through interviews with related parties, analysis of transaction-related documents, and review of related literature. The results showed that the implementation of the Musyarakah Mutanaqisah contract in BSI Griya Hasanah financing has two contracts in it (hybrid contract). The first is that banks and customers cooperate (syirkah / musyarakah) to buy an asset, so the musyarakah contract in BSI Griya Hasanah financing is only limited to cooperation in the ownership of an asset. The second is ijarah. The asset that becomes the object of financing is leased (ijarah) to the customer with a rental payment which is assumed to be a profit that will be divided between the bank and the customer according to a predetermined ratio. The profit sharing obtained by the bank will be considered as profit for the bank. Meanwhile, the profit sharing received by the customer is diverted to buy the bank's hishah portion. Not only is there more than one contract, in this BSI Griya Hasanah financing scheme there are also two agreement contracts. The first agreement contract contains the Musyarakah Mutanaqisah contract itself, and the second agreement contract contains ijarah.
Peran Perempuan dalam Pengembangan Wakaf di Persyarikatan Muhammadiyah DIY Sari, Fitria Nurma; Rohman, Hilma Fanniar
JURNAL ILMIAH EDUNOMIKA Vol. 8 No. 3 (2024): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v8i3.14811

Abstract

The main contribution of this research is to reveal the fundamental factors that influence women's intentions in distributing their waqf through the Muhammadiyah organization. The strong reason this research was carried out was because of the potential of waqf assets that could still be optimized to improve social welfare, economic empowerment and infrastructure development. If the biggest influencing factor for a person, especially women, in distributing waqf in the Muhammadiyah organization can be researched, it will be able to help the Muhammadiyah Association and similar organizations to better understand the role of women, especially in the aspect of waqf development, and design more inclusive strategies to encourage greater women's participation. in future waqf activities. The type of research used is field research with quantitative research methods. The data used is primary data using a questionnaire technique which was distributed to 30 female wakif respondents who had the intention to donate to the DIY Muhammadiyah Association. The number of variables studied is 7 variables, which are the dependent variables, namely understanding of waqf products, religiosity, transparency of financial reports, reputation of the Institution, ease of access, loyalty as a member as well as the variable interest in waqf as the independent variable. The sampling method in this research used a sampling technique, namely purposive sampling of female waqifs who were members of the Muhammadiyah DIY organization. The analysis method uses descriptive statistics and inferential statistics as well as multiple linear regression analysis with SPSS 26.0 software. The results of this research show that the variables influencing understanding of waqf products, religiosity, transparency of financial reports, reputation of the institution, program innovation, ease of access, and aspects loyalty as a member have a significant effect on interest in waqf with a significance value of 0.030 which is smaller than the significance used. namely 0.05 or 5%. Partially, the variables understanding waqf products, religiosity, ease of access, and the variable loyalty as a member have a significant effect on interest in waqf, while other variables such as transparency of financial reports, and institutional reputation variables do not have a significant effect on interest in waqf.
Bridging Islamic Philanthropy and Digital Economy: A Maqashid Shariah Model for Zakat on Digital Assets Rohman, Hilma Fanniar; Diana, Ilfi Nur; Suprayitno, Eko
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol. 17 No. 2 (2025)
Publisher : UNIVERSITAS ISLAM NEGERI SYARIF HIDAYATULLAH JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/aiq.v17i2.44928

Abstract

The rapid digital transformation has given rise to various new forms of assets which challenge the zakat framework in Islamic finance. This research explores the integration of Maqashid Shariah in development of zakat model for digital assets to ensure compliance with Islamic economic principles. An exploratory qualitative approach is used to analyze classical fiqh literature, contemporary fatwas, and experts' views. The results show that digital assets that fulfill the criteria of full ownership and growth potential can be subject to zakat. Blockchain technology and smart contracts can potentially increase transparency and efficiency in zakat management. The proposed model contributes to Islamic financial inclusion, regulatory strengthening, and modernization of zakat institutions. Keywords: zakat; maqashid sharia; digital assets; blockchain; islamic finance   Abstrak  Transformasi digital yang pesat telah melahirkan berbagai bentuk aset baru yang berimplikasi pada kerangka zakat dalam keuangan Islam. Penelitian ini mengeksplorasi integrasi Maqashid Syariah dalam pengembangan model zakat untuk aset digital guna memastikan kepatuhan terhadap prinsip ekonomi Islam. Pendekatan kualitatif eksploratif digunakan dengan menganalisis literatur fiqh klasik, fatwa kontemporer, dan pandangan para ahli. Hasil penelitian menunjukkan bahwa aset digital yang memenuhi kriteria kepemilikan penuh dan berpotensi berkembang dapat dikenakan zakat. Selain itu, teknologi blockchain dan smart contracts berpotensi meningkatkan transparansi dan efisiensi dalam pengelolaan zakat. Model yang diusulkan berkontribusi pada inklusi keuangan Islam, penguatan regulasi, dan modernisasi lembaga zakat. Kata Kunci: zakat; maqashid syariah; aset digital; blockchain; keuangan islam
Co-Authors Amrullah Amrullah Amrullah Choirunnisa, Nabila Eko Suprayitno Farid, Diana Ilfi Nur Diana Mabruri, Kemal Al Kautsar Muhammad Husni Abdulah Pakarti Muhammad Ridha Sari, Fitria Nurma Sofyan Mei Utama, Sofyan Mei Sulpawati Uswatun Hasanah Widiana, Ketina