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All Journal Jurnal Ilmiah Ekonomi Islam Jurnal ICMES: The Journal of Middle East Studies ZAD Al-Mufassirin Journal of Islamic Economics Lariba
Fadillah, Afrizal
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Religion Economics, Econometrics & Finance Education Energy Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Resilience in The Ruins Sarasi, Vita; Nugraha, Denny Sidharta; Farras, Joval Ifghaniyafi; Fadillah, Afrizal; Aulia, Sulthonul; Setiono, Muhammad Fahri
Jurnal ICMES Vol 8 No 2 (2024): Jurnal ICMES: The Journal of Middle East Studies
Publisher : Indonesia Center for Middle East Studies

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35748/jurnalicmes.v8i2.213

Abstract

Amid the devastation caused by the Israeli occupation, the Palestinian economy faces profound systemic challenges, including trade restrictions, widespread unemployment, and collapsing infrastructure. This study adopts a systems thinking approach to explore economic survival under such conditions, bridging the gap in understanding the interconnected dynamics of macroeconomic and microeconomic factors. Using causal loop diagrams, the analysis uncovers reinforcing loops of poverty, aid dependency, and infrastructure collapse alongside balancing loops driven by community resilience and policy interventions. Key findings reveal that trade restrictions have caused GDP contractions of up to 35 percent, while unemployment in Gaza has surged to 45 percent due to disrupted labor markets. Furthermore, only 33 percent of hospitals remain operational, exacerbating health crises and food insecurity. The study emphasizes the critical need for targeted infrastructure investments to restore market functionality and reduce unemployment by 15–20 percent, paired with community empowerment to strengthen resilience. The systems thinking framework offers policymakers actionable insights to navigate the socio-economic complexities of occupation and promote sustainable survival strategies for Palestine.
Improving zakat management with QRIS: A system thinking approach to boost financial literacy and inclusion Sarasi, Vita; Nugraha, Denny Sidharta; Fadillah, Afrizal; Aulia, Sulthonul; Farras, Joval Ifghaniyafi; Fahri Setiono, Muhammad
Journal of Islamic Economics Lariba Vol. 11 No. 1 (2025)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol11.iss1.art13

Abstract

IntroductionZakat management in Indonesia faces operational inefficiencies, low digital adoption, and limited financial inclusion, especially in underserved areas. The introduction of QRIS (Quick Response Code Indonesian Standard) as a digital payment system presents an opportunity to improve zakat collection, transparency, and accessibility. However, systemic barriers such as low zakat literacy, limited trust, infrastructure gaps, and regulatory challenges hinder optimal adoption. ObjectivesThis study aims to analyze the systemic factors influencing QRIS adoption in zakat management. It investigates how variables such as zakat literacy, digital literacy, user trust, infrastructure, and policies interact to affect digital zakat ecosystems in Indonesia.MethodThe research employs a System Thinking approach, utilizing qualitative methods including expert interviews, document analysis, and literature triangulation. A Causal Loop Diagram (CLD) is developed to map feedback loops among macro, micro, interface, and policy-level factors, enabling identification of leverage points for strategic interventions.ResultsFindings reveal that increasing zakat and digital literacy significantly enhances user trust and QRIS adoption, forming a reinforcing feedback loop. However, high transaction costs and inadequate infrastructure create balancing loops that impede adoption. Comparative insights from Malaysia, Pakistan, and Gulf countries support the importance of Shariah compliance and regulatory clarity in building trust.ImplicationsThis study highlights the need for integrated strategies combining financial and digital literacy programs, regulatory reforms, and infrastructure investments to promote equitable and sustainable digital zakat systems in Indonesia. It offers actionable insights for policymakers, Islamic financial institutions, and zakat organizations. Originality/NoveltyThis study contributes to the limited literature on digital zakat management by applying a System Thinking approach—an analytical method rarely used in Islamic finance. Using a Causal Loop Diagram (CLD), it visualizes dynamic interconnections and feedback loops between trust, cost, infrastructure, and Shariah legitimacy. This feedback-based framework offers a more holistic view than conventional linear models such as TAM or UTAUT, providing practical insights for improving Sharia-compliant financial inclusion.
Dampak Kenaikan PPN 12% terhadap Pengeluaran Rumah Tangga: Perspektif Ekonomi Islam Sarasi, Vita; Anwar, Khairul; Fadillah, Afrizal
Jurnal Ilmiah Ekonomi Islam Vol. 11 No. 02 (2025): JIEI : Vol. 11, No. 02, 2025
Publisher : ITB AAS INDONESIA Surakarta

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Abstract

Penelitian ini mengkaji dampak kenaikan Pajak Pertambahan Nilai (PPN) sebesar 12% terhadap indikator-indikator makroekonomi serta mengevaluasi efektivitas instrumen syariah sebagai alat mitigasi. Temuan menunjukkan penurunan signifikan pada konsumsi rumah tangga (-1,6%) dan investasi (-2,7%) akibat tekanan ekonomi yang meningkat. Data dari kuesioner menunjukkan bahwa sebagian besar responden merasakan penurunan daya beli yang cukup parah. Namun, penerapan instrumen syariah, termasuk zakat dan wakaf produktif, menunjukkan potensi dalam menstabilkan perekonomian. Hasil simulasi memperlihatkan peningkatan konsumsi rumah tangga sebesar 0,8%, investasi sebesar 0,9%, dan belanja pemerintah sebesar 1%, yang mencerminkan kemampuan instrumen syariah dalam meredam dampak kebijakan fiskal. Studi ini memperkenalkan integrasi inovatif antara kebijakan fiskal dan solusi berbasis syariah, yang menawarkan strategi ekonomi yang berkeadilan sosial dan berkelanjutan. Rekomendasi menekankan pentingnya dukungan regulasi untuk mengoptimalkan peran zakat dan wakaf dalam memperkuat pemulihan ekonomi.
From Qur’anic Values to Entrepreneurial Impact: Field-Based Case Studies of Islamic MSMEs in Indonesia and Nigeria Sarasi, Vita; Fadillah, Afrizal; Anwar, Khairul; Abdullahi, Nazifi Dahiru; Setiono, Muhammad Fahri; Aswandari, Desi
ZAD Al-Mufassirin Vol. 7 No. 2 (2025): Zad Al-Mufassirin [In Progress]
Publisher : Sekolah Tinggi Ilmu Al-Qur'an (STIQ) ZAD

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55759/zam.v7i2.313

Abstract

This study explores the application of Qur’anic values in entrepreneurial practices and their implications for micro and small enterprises (MSMEs) in Indonesia and Nigeria. Using a qualitative field-based approach supported by library research, five institutions were examined: KOMIDA, Pesantren Daarut Tauhiid, Warteg Syariah, Kampung Marketer, and Jaiz Bank. Findings show that values such as ṣidq (honesty), ʿadl (justice), amanah (responsibility), taʿāwun (mutual assistance), prohibition of riba, and pursuit of barakah are operationalized through mechanisms including interest-free microfinance, group accountability, transparent pricing, faith-based entrepreneurship education, and inclusive institutional financing. In Indonesia, these practices foster trust, solidarity, and sustainability among MSMEs, while in Nigeria, Jaiz Bank demonstrates institutional commitment by expanding sector-specific support. The study’s novelty lies in bridging normative Qur’anic ethics with cross-country empirical evidence, positioning Islamic entrepreneurship as an alternative development paradigm balancing profitability, sustainability, and spiritual accountability. The comparison specifically focuses on dialectics of applying Qur’anic values across different ecosystem dimensions in two distinct context. Practical recommendations include: 1) embedding Qur’anic ethics in entrepreneurship education, SME training, and halal branding and 2) emphasizing policy reforms such as zakat and waqf digitalization, Islamic microfinance strengthening, and aligning regulation with maqāṣid al-sharīʿah. These insights highlight the transformative potential of Qur’anic values in shaping ethical, inclusive, and resilient economic ecosystems.
Co-Authors Abdullahi, Nazifi Dahiru Aswandari, Desi Aulia, Sulthonul Fahri Setiono, Muhammad Joval Ifghaniyafi Farras Khairul Anwar Nugraha, Denny Sidharta Setiono, Muhammad Fahri Vita Sarasi