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All Journal Studia Economica: Jurnal Ekonomi Islam
Elisa, Ema
IAIN Pontianak
Religion Economics, Econometrics & Finance Social Sciences

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Analysis of the Public's Understanding Level Towards the Concept and Purpose of Zakat in the Modern Era Zulinda, Nia; Elisa, Ema; Gunawan, Muhammad Wawan
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 10 | No. 2 | 2024
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v10i2.20546

Abstract

This research aims to analyze the public's understanding of the concept and objectives of zakat in the current modern era. This type of research is descriptive in nature, employing a qualitative approach, where it provides descriptive data on how the observed individuals speak, write, and behave. The results showed that the people already know and understand the purpose of paying zakat. Several factors influencing public understanding include zakat payments, the role of BAZNAS (National Amil Zakat Agency), zakat payment objectives, and zakat distribution. When it comes to paying zakat, people prefer to do so at mosques. The role and functions of BAZNAS are still unknown to the majority of the public due to a lack of socialization and related information. Nevertheless, people already have a thorough understanding of why they pay zakat. Regarding zakat distribution, the community believes that zakat administrators, especially those serving at the mosques where they pay zakat, are fair and accurate in distributing zakat to the deserving recipients (mustahiq). Keywords: Zakat; Public Understanding; BAZNAS
QRIS: Solusi Pembayaran Digital di Bank Syariah Indonesia untuk UMKM Elisa, Ema; Zulinda, Nia
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 11 | No. 1 | 2025
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v0i1.23485

Abstract

This study aims to analyze the role of the Quick Response Code Indonesian Standard (QRIS) as a digital payment solution at Bank Syariah Indonesia (BSI) in enhancing convenience, security, efficiency, and customer satisfaction in transactions for Micro, Small, and Medium Enterprises (MSMEs) in Pontianak, West Kalimantan. A qualitative approach with a descriptive design was employed, utilizing data collected through in-depth interviews, participatory observations, and open-ended questionnaires distributed to MSME customers actively using QRIS at BSI. The findings revealed that QRIS significantly simplifies transaction processes for MSME entrepreneurs, reduces queuing time, and minimizes the risk of transaction errors. Additionally, QRIS enhanced customer data protection through data encryption and dual authentication, aligning with Sharia principles that emphasize security and fairness. Furthermore, the adoption of QRIS has proven to lower the high operational costs associated with conventional transactions, thereby improving business efficiency and MSME productivity. The ease of use, transaction security, and efficiency provided by QRIS not only enhanced user convenience but also strengthen customer trust in Islamic banking services. Overall, this study confirms that QRIS is effective in supporting the growth and sustainability of MSMEs in Indonesia while promoting broader Islamic financial inclusion by upholding values of transparency and fairness
Co-Authors Gunawan, Muhammad Wawan Zulinda, Nia