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APPRAISAL OF THE EMPOWERMENT AND TRAINING PROGRAM IN ACHIEVEING ZAKAT AMIL PERFORMANCE THROUGH ISLAMIC JOB SATISFACTION Munifatussaidah, Asma; Prasetyo, Ari
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 9 No. 2 (2023): JULY - DECEMBER 2023
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v9i2.42888

Empowerment and training program become a new technique that makes employees proactive in improving their performance. Thus, this research purpose to observe the appraisal of the Employee Empowerment and Training programs of zakat in achieving Employee zakat (Amil) Performance by mediating Islamic Job Satisfaction at the Zakat Institution (LAZNAS) in Central Java. This research used quantitative method with a survey approach. The research sample was 180 Amil at 12 LAZNAS in Central Java, who served in the collection, distribution, and utilization of zakat with a minimum service period of two years, and had received training about zakat management. The research sample was selected through the purposive sampling technique and analyzed with the Partial Least Square (SEM-PLS). The research findings indicate that the variables Employee Empowerment and Training programs have an effect toward Islamic Job Satisfaction. Then there is the direct and indirect effect of the Training programs toward the AmilPerformance at the Zakat Institution (LAZNAS) in Central Java with the mediation of Islamic Job Satisfaction. Meanwhile, for the effect of the Employee Empowerment toward Amil Performance, there is no significant in direct effect. However, there is an indirect effect of the Employee Empowerment toward Amil Performance at the Zakat Institution (LAZNAS) in Central Java with the mediating Islamic Job Satisfaction. This research was expected to be of particular concern to zakat institutions, especially in the human resources section to help provide information regarding the importance of empowering and training program for Amil performance in Zakat Institutions (LAZNAS) to improve collecting, distributing and utilizing zakat.

IMPROVING FINANCIAL PERFORMANCE OF ISLAMIC BANK IN INDONESIA THROUGH ISLAMIC CORPORATE GOVERNANCE AND EARNING MANAGEMENT Munifatussaidah, Asma; Nurrahmaningsih, Fauziah
An-Nisbah: Jurnal Ekonomi Syariah Vol 10 No 2 (2023): An-Nisbah
Publisher : UIN Sayyid Ali Rahmatullah Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/an.v10i2.8611

Abstrak: Penelitian ini bertujuan menganalisis pengaruh Islamic Corporate Governance dan Manajemen Laba terhadap Kinerja Keuangan Bank Syariah. Metode penelitian menggunakan pendekatan kuantitatif dengan data sekunder. Data penelitian diperoleh dari dua belas Bank Umum Syariah di Indonesia tahun 2018-2022, yang dipilih menggunakan teknik purposive sampling. Kemudian, teknik analisis yang digunakan adalah regresi data panel. Hasil penelitian ini menunjukkan bahwa Islamic corporate governance dan manajemen laba berpengaruh signifikan terhadap Kinerja keuangan bank syariah. Temuan penelitian ini memberikan bukti bahwa variabel Islamic corporate governance dapat membantu bank syariah di Indonesia dalam meningkatkan kinerja keuangan dengan adanya manajemen laba yang terkendali dari pihak bank syariah. Selain itu, temuan ini akan berkontribusi terhadap literatur mengenai variabel penentu kinerja keuangan bank syariah. Kata Kunci: Kinerja Keuangan, Islamic Corporate Governance, Manajemen Laba, Bank Syariah Abstract: This study aims to analyze the effect of Islamic Corporate Governance and Earning Management variable toward the Financial Performance of Islamic Banks. The examination technique utilizes a quantitative methodology with optional information. The exploration information were acquired from 12 (twelve) Islamic Business Banks in Indonesia in 2018-2022 period, which were selected using a purposive sampling technique. Then, the analysis technique uses Pooled Least Square of regression analysis technique. The results of this study indicate that Islamic corporate governance and earnings management have a significant effect on the financial performance of Islamic banks. The findings of this study provide evidence that Islamic corporate governance variables can assist Islamic banks in Indonesia, improving financial performance with controlled earnings management on the part of Islamic banks. Furthermore, these discoveries will add to the writing with respect to the determinants of Islamic bank monetary execution. Keywords: Financial Performance, Islamic Coporate Governance, Earning Management, Islamc bank.

DIGITAL WALLET TRANSACTIONS: INSIGHT FROM ISLAMIC ECONOMIC AND LEGAL PERSPECTIVE Munifatussaidah, Asma; Zahara, Jihan Nabila; Zein, Fuad
Jurnal Ekonomi dan Bisnis Airlangga Vol. 34 No. 2 (2024): JURNAL EKONOMI DAN BISNIS AIRLANGGA
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jeba.V34I22024.301-317

Introduction: This paper aims to analyze the contemporary problems surrounding digital wallet transactions from the perspective of Islamic economic law and discuss sharia compliance in the issuance and use of digital wallets, the validity of top-up transactions, and the permissibility of benefits such as cashback within the framework of Islamic jurisprudence. Methods: This paper uses library research methods to collect, explain and analyze data related to digital wallet transactions in the context of Islamic economic law. This has been done using a normative approach and Islamic economic law, supported by descriptive analysis of the previous research, fatwas from the Indonesian Ulema Council (DSN-MUI), and related regulations from Bank Indonesia. Results: The result of this discussion is that Islamic principles allow financial transactions as long as they do not involve prohibited elements such as usury, uncertainty (gharar), maysir, and israf. Digital wallets can fulfill Islamic principles if they comply with the regulations set by Islamic law. Conclusion and suggestion: The DSN-MUI fatwa provides guidance on the use of electronic money in accordance with sharia, ensuring that digital wallet transactions are in line with Islamic legal and ethical standards. Digital wallet transactions can use various contracts, such as wadiah and qardh contracts, although there are differences of opinion among scholars regarding their validity. The compliance of digital wallets with sharia must differentiate between conventional electronic wallets and electronic wallets that comply with Sharia.

Driving regional economy: Digital technology adoption's role for effective distribution of islamic social finance in Indonesia Munifatussaidah, Asma; Zahara, Jihan Nabila; Resiana, Rani Surya; Ningsih, Lita Ayudha
Jurnal Ekonomi & Studi Pembangunan Vol. 25 No. 2: October 2024
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jesp.v25i2.23838

Indonesia holds significant potential in leveraging the vast collection of Islamic social funds. Amid the widespread digital transformation within financial institutions, it is critical to examine the impact of the adoption of digital technology in affecting the distribution of Islamic social finance and its subsequent impact on regional economic development in Indonesia. The research utilized data from 21 provinces in Indonesia to construct a regression model that investigates and evaluates the performance of Islamic social fund distribution concerning regional economic growth. This study integrates a moderation effect model to assess the impact of digital adoption on this relationship. Grouped regression models were used to investigate further regional variations, with robustness checks conducted across different fundraising levels. The findings reveal a significant influence of Islamic social fund distribution on regional economic development, with digital adoption—measured by access to and use of digital technology—acting as a considerable moderator. Further heterogeneity analysis reveals that provinces with lower GINI coefficients experience a more pronounced dampening effect of Islamic social fund distribution on regional economic development, moderated by the extent of digital adoption. This research offers new insights into the relationships between Islamic social fund distribution and digital adoption (ICT) in regional economic development, providing strategic implications for philanthropic institutions and policymakers considering Islamic social fund management.

Can Young Followers Drive Humanitarian Aid Via Islamic Social Funds? Insights from Muhammadiyah Zakat Institution Munifatussaidah, Asma; Dwi Kurniawan, Bachtiar; Arbi, Dion Saputra; Agustin, Martalia Susantiana
Journal of Islamic Economic and Business Research Vol. 5 No. 1: June 2025
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jiebr.v5i1.378

This research aims to observe the intention behavior of the young followers to use the payment services in Muhammadiyah Zakat Institution (LAZISMU) to donate Zakat funds as Islamic Social Finance especially for help national and global humanitarian programs, by adopting the Unified Theory of Acceptance and Use of Technology (UTAUT) Model-2. The payment services used as intermediaries for young donors with beneficiaries for humanitarian and disaster issues, such as natural disasters, hunger, and social conflict. This research used quantitative analytical methods and primary data collected through questionnaire obtained 255 respondents from Y and Z followers, in local Yogyakarta Province. Then the analysis technique is Structural Equation Model (SEM). The result of this research showed that all the variables of the Unified Theory of Acceptance and Use of Technology (UTAUT) Model-2 partially have a positive and significant effect toward young followers’ intention behaviors to pay zakat in the payment services in LAZISMU Yogyakarta. And all variables can affect the intention and use behavior of the payment services in LAZISMU moderated by the variable of Trust from young followers used payment services and digital payment in LAZISMU Yogyakarta. The present research will assist the LAZISMU as a National Islamic Philanthropy Institution in Indonesia, mapping the targets an intention and support of young donors who have accessed payment service for distributing zakat to the mustahik who is included in humanitarian, socio-economic problems, and disaster. Furthermore, this study will contribute to existing literature of Zakat through Zakat Institution.

Religious Experience in Muslim Philanthropy: An Epistemological and Ethical Discourse Munifatussaidah, Asma; Kuswanjono, Arqom
Musyarakah: Journal of Sharia Economic (MJSE) Vol 5, No 1 (2025): April
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/mjse.v5i1.11811

Muslim philanthropy is a practical form of the religious experience of Muslim communities that mediates between individual belief in amaliyah activities and collective ownership to build an Islamic environment. This research explains the representation of religious experience in the context of Muslim philanthropy from the perspective of Islamization, a perspective of returning to Islamic values in behavior. Using the literature method, this research describes Islamic epistemology and theology shape the understanding and depiction of religious experience in the discourse and practice of philanthropy among Muslims. The research also explains the epistemic of Muslim philanthropy and its implications for religious and ethical contexts. By views from Muslim scholars, religious texts, and contemporary discourses on philanthropy, explain the worldview of Islam through religious experience in philanthropy or giving behavior.

Driving regional economy: Digital technology adoption's role for effective distribution of islamic social finance in Indonesia Munifatussaidah, Asma; Zahara, Jihan Nabila; Resiana, Rani Surya; Ningsih, Lita Ayudha
Jurnal Ekonomi & Studi Pembangunan Vol. 25 No. 2: October 2024
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jesp.v25i2.23838

Indonesia holds significant potential in leveraging the vast collection of Islamic social funds. Amid the widespread digital transformation within financial institutions, it is critical to examine the impact of the adoption of digital technology in affecting the distribution of Islamic social finance and its subsequent impact on regional economic development in Indonesia. The research utilized data from 21 provinces in Indonesia to construct a regression model that investigates and evaluates the performance of Islamic social fund distribution concerning regional economic growth. This study integrates a moderation effect model to assess the impact of digital adoption on this relationship. Grouped regression models were used to investigate further regional variations, with robustness checks conducted across different fundraising levels. The findings reveal a significant influence of Islamic social fund distribution on regional economic development, with digital adoption—measured by access to and use of digital technology—acting as a considerable moderator. Further heterogeneity analysis reveals that provinces with lower GINI coefficients experience a more pronounced dampening effect of Islamic social fund distribution on regional economic development, moderated by the extent of digital adoption. This research offers new insights into the relationships between Islamic social fund distribution and digital adoption (ICT) in regional economic development, providing strategic implications for philanthropic institutions and policymakers considering Islamic social fund management.

Religious Experience in Muslim Philanthropy: An Epistemological and Ethical Discourse Munifatussaidah, Asma; Kuswanjono, Arqom
Musyarakah: Journal of Sharia Economic (MJSE) Vol 5, No 1 (2025): April
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/mjse.v5i1.11811

Muslim philanthropy is a practical form of the religious experience of Muslim communities that mediates between individual belief in amaliyah activities and collective ownership to build an Islamic environment. This research explains the representation of religious experience in the context of Muslim philanthropy from the perspective of Islamization, a perspective of returning to Islamic values in behavior. Using the literature method, this research describes Islamic epistemology and theology shape the understanding and depiction of religious experience in the discourse and practice of philanthropy among Muslims. The research also explains the epistemic of Muslim philanthropy and its implications for religious and ethical contexts. By views from Muslim scholars, religious texts, and contemporary discourses on philanthropy, explain the worldview of Islam through religious experience in philanthropy or giving behavior.

ISLAMIC SOCIAL ENTREPRENEURSHIP IN REALIZING SOCIAL INCLUSION FOR PEOPLE WITH INTELLECTUAL DISABILITIES Zahara, Jihan Nabila; Ryandono, Muhamad Nafik Hadi; Munifatussaidah, Asma
Jurnal Ekonomi dan Bisnis Airlangga Vol. 35 No. 2 (2025): JURNAL EKONOMI DAN BISNIS AIRLANGGA
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jeba.V35I22025.370-384

Introduction: People with intellectual disabilities often face systemic barriers that limit their access to education, employment, and meaningful social participation. This study addresses the limited social and economic inclusion of people with intellectual disabilities, a group often marginalized and stigmatized in rural Indonesia. It examines how Islamic Social Entrepreneurship can serve as a model for empowerment to promote social inclusion in Karangpatihan Village, Ponorogo Regency. Methods: This research uses a qualitative explanatory case study; data were collected through interviews, observation, and documentation, and analyzed with pattern matching. Results: The findings reveal that Rumah Harapan Mulya’s empowerment program, through training in doormat and ciprat batik, integrates social entrepreneurship, business skills, and Islamic values “SAFTI” (Siddiq, Amanah, Fathanah, Tabligh, Istiqamah) in line with the maqasid al-Syariah (principles of Sharia). This integration enhances social recognition, participation, and economic contribution while reducing stigma against people with disabilities. Despite challenges in communication and financial management, the initiative successfully creates an inclusive and equitable environment. Conclusion and suggestion: Theoretically, this research contributes to the development of Islamic entrepreneurship studies by introducing Islamic Social Entrepreneurship as a sustainable and replicable empowerment framework. Practically, it offers insights for policymakers and social institutions on designing disability-inclusive empowerment programs.

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