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All Journal Dialektika: Jurnal Ekonomi dan Ilmu Sosial Sibatik Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Matriks Environmental, Social, Governance, and Sustainable Business
Barnamij, Najhah
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Arts Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Neuroscience Social Sciences

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Optimalisasi Zakat dan Wakaf melalui Inovasi Digital dalam Rangka Maqashid Syariah: Solusi Pengentasan Kemiskinan di Indonesia Rofiq, Mokhammad Ainur; Fathoni, Joharul; Barnamij, Najhah
DIALEKTIKA: Jurnal Ekonomi dan Ilmu Sosial Vol 10 No 2 (2025): Dialektika: Jurnal Ekonomi dan Ilmu Sosial
Publisher : Prodi Manajemen Fakultas Ekonomi dan Bisnis Universitas Islam Raden Rahmat Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36636/dialektika.v10i2.6939

Abstract

This study aims to evaluate the role of zakat and waqf as Islamic philanthropy tools for poverty alleviation and sustainable development in Indonesia, integrating maqāṣid al-sharīʿah principles with digital innovation. Employing a descriptive-critical qualitative approach with data triangulation, it analyses empirical data from official reports and recent literature. Findings demonstrate that zakat distribution significantly reduces poverty, while productive waqf enhances access to education and health services. However, institutional constraints, limited nazhir capacity, and technological barriers—particularly in rural areas—hinder effectiveness. Comparative insights from Malaysia, Turkey, and Saudi Arabia highlight best practices in digital zakat and waqf management, such as blockchain adoption and centralized waqf registries, which inform the contextual framework proposed for Indonesia. The study advocates a holistic approach combining maqāṣid al-sharīʿah with digitalization, supported by synergy among government, philanthropic institutions, and local communities.
SHARIA ECONOMIC BUSINESS ETHICS IN FACING THE ERA OF ECONOMIC DIGITALIZATION IN THE FUTURE Barnamij, Najhah; Salsabila, Syafira; Sohibul Migfar, Muhammad; Rohmat, Saepur; Ridwan, Mohammad; Murtadho, Ali
SIBATIK JOURNAL: Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Vol. 1 No. 12 (2022): November
Publisher : Penerbit Lafadz Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/sibatik.v1i12.2266

Abstract

Islam places ethics and morals in the most important position in life. Islamic economic business ethics is here to be a solution for self-development in the world of business and actions that are in accordance with norms and religion. The research used is qualitative research, with data collection techniques such as tracking journals, books and articles that discuss Islamic economic business ethics. After the data sources have been collected, the author will analyze them and then draw conclusions because of the research. The aim of this research is to explore how big the opportunities for doing business in the era of digitalization are while still prioritizing morals. This research reveals Islamic economic business ethics in facing future economic challenges, namely by continuing to keep up with the times and innovating and cultivating one's own abilities to be able to adapt to increasingly advanced and developing conditions, the business world aims to produce much better economic growth and continue to prioritize ethics and morals.
STUDY OF SOCIAL FUNCTIONS IN THE ECONOMIC ACTIONS OF SHARIA MICROFINANCE INSTITUTIONS Barnamij, Najhah; Fa’iq, Mohamad; Riyadi, Ahmad; Ulfain, Ulfain; Akrom, Maulana; Dwi Wulandari, Faizah
SIBATIK JOURNAL: Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Vol. 2 No. 12 (2023): November
Publisher : Penerbit Lafadz Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/sibatik.v2i12.2288

Abstract

Abstract Provide the perception toward the social function of the economic action undertaken. 2) determine the form of the social functions performed by the actors in sharia microfinance institutions. This study used a qualitative method with phenomenological approach. The findings of this study are: 1) the perception of the social function by the actors of sharia microfinance institutions respectively: a) perception of social function is as management of zakat, infaq, and alms known in the concept of Baitul Maal. b) the social function as a medium of empowerment of poor communities where the sharia microfinance institutions are capable in producing new entrepreneurs. c) the social function as propaganda/symbols of Islam, Islamic microfinance institutions serve to eradicate the practice of existing usurer in the community. 2) The form of social functions held by sharia microfinance institutions are: a) The distribution of social grants, the distribution of development aid in the form of mosques, procurement assistance of Al-Quran, home renovation, distribution of Zakat funds as well as scholarships to students who cannot afford school. b) Help the poor public capital, capital assistance is intended for the poor, capital assistance is also easy for small traders in accessing financing. c) Optimalization the role of sharia microfinance institutions by opening branches in remote areas which aim to facilitate the public in accessing Sharia financial institutions and also propaganda symbols of Islam in religious activities.
The Impact of Social Media on New Vocabulary Adoption Among Indonesian Teenagers Afiah, Nuvi Nurul; Barnamij, Najhah; Fatahillah, Mubarok; Siroj, Ni’amillah Aqiel; Husnaeni, Nurul
Matriks Jurnal Sosial dan Sains Vol. 7 No. 2 (2026): Matriks: Jurnal Sosial dan Sains
Publisher : Sekolah Tinggi Agama Islam Kuningan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59784/matriks.v7i2.29809

Abstract

The purpose of this study is to explore the factors influencing the adoption of new vocabulary in the Indonesian language through social media. This research employs a quantitative approach with a sample of 400 respondents, focusing on Indonesian teenagers who are active users of various social media platforms. The object of the study is the usage of newly emerging vocabulary in the Indonesian language. Data were collected using a structured questionnaire distributed online via Google Forms. The collected data were analyzed using multiple linear regression with the assistance of SPSS version 27 software. The results show that the frequency of social media use, the incorporation of new vocabulary into daily conversations, and the use of slang have a significant effect on the frequency of new vocabulary adoption. In addition, the findings indicate that younger generations tend to be more open and inclined to adopt new linguistic trends emerging from social media. The coefficient of determination (R²) value of 0.42 demonstrates that the independent variables explain 42% of the variation in the adoption of new vocabulary in the Indonesian language, while the remaining percentage is influenced by other factors not examined in this study.
The potential of the bullion business in accelerating financial inclusion: A theoretical review of Pegadaian’s strategic role Maula, Nurkholifatul; Barnamij, Najhah
Environmental, Social, Governance and Sustainable Business Vol. 3 No. 1: (February) 2026
Publisher : Institute for Advanced Social, Science, and Sustainable Future

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61511/esgsb.v3i1.2026.3568

Abstract

Background: Formalizing bullion banking in Indonesia represents a strategic financial evolution catalyzed by the Law on the Development and Strengthening of the Financial Sector (P2SK) and OJK Regulation No. 17 of 2024. This study aims to construct a macroeconomic value proposition for the bullion business scheme, identifying it as a critical driver for strengthening the "People’s Economy" (Ekonomi Kerakyatan). Literature traditionally views gold as a passive pawn commodity, yet recent shifts suggest its potential as an active gateway for the unbanked. Methods: This research utilizes a qualitative systematic literature review guided by PRISMA principles, synthesizing academic and regulatory data from 2015–2025. The theoretical framework integrates Financial Intermediation and Vulnerability-Stress-Adaptation (VSA) theories to analyze economic resilience.. Findings: The bullion ecosystem acts as a "formalization engine" capable of mobilizing 1,800 to 2,600 tons of idle household gold, potentially adding IDR 245 trillion to the national GDP and creating 1.8 million jobs. The study finds that digital fractional ownership allows micro-savers to accumulate assets starting at 0.01 grams, effectively democratizing credit for 66 million MSMEs. By using gold as a universal intermediary, PT Pegadaian eliminates "credit rationing," protecting grassroots purchasing power against inflation as posited by VSA theory. Conclusion: Bullion banking transcends traditional services to become a strategic pillar of national sovereignty, transforming passive ornaments into active capital. This model successfully addresses the dimensions of accessibility and usage within the Indonesian inclusive economy. Novelty/Originality of this article: This study uniquely links the bullion model specifically to Ekonomi Kerakyatan, providing the first post-2025 macroeconomic projection of gold banking’s impact on Indonesia’s structural financial resilience.
Co-Authors Afiah, Nuvi Nurul Ahmad Riyadi Akrom, Maulana Baehaqi Dwi Wulandari, Faizah Fathoni, Joharul Fa’iq, Mohamad Husnaeni, Nurul Maula, Nurkholifatul Mohammad Ridwan Mubarok Fatahillah Rofiq, Mokhammad Ainur Rohmat, Saepur Salsabila, Syafira Siroj, Ni’amillah Aqiel Sohibul Migfar, Muhammad Ulfain, Ulfain