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All Journal Jurnal Manajemen Jurnal Ilmu Sosial dan Humaniora Priviet Social Sciences Journal Jurnal Ekonomi, Manajemen, Akuntansi Hasina: Jurnal Akuntansi dan Bisnis Syariah
Wahyu Wibowo
Universitas Islam Negeri Sunan Kalijaga Yogyakarta
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences

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Analysis of Productive Zakat and GDP on Poverty Levels and Governance of Zakat Institutions in West Sumatra Herdian Mainaki; Anton Bawono; Wahyu Wibowo
MAMEN: Jurnal Manajemen Vol. 5 No. 1 (2026): Januari 2026
Publisher : Yayasan Literasi Sains Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55123/mamen.v5i1.7118

Abstract

This study investigates the effects of Gross Regional Domestic Product (GRDP/PDRB), productive zakat, and zakat governance on poverty in West Sumatra, using a Moderated Regression Analysis (MRA) approach based on panel data from 19 districts/cities for the period 2020–2024. The findings reveal that PDRB has a significant negative effect on poverty, indicating that higher regional economic output contributes to lower poverty rates. A 1% increase in PDRB reduces poverty by –5.59E-05%, consistent with economic growth trends and declining poverty levels in West Sumatra in recent years. Conversely, productive zakat shows a negative but statistically insignificant effect on poverty, suggesting that its contribution remains limited at the provincial scale due to the relatively small allocation of productive zakat compared to consumptive distribution. The study also documents that zakat governance significantly strengthens the impact of PDRB on poverty reduction, but does not moderate the effect of productive zakat on poverty. These results emphasize the importance of improving zakat management, increasing productive distribution ratios, and strengthening empowerment-based programs to enhance zakat’s role in poverty alleviation. Future research is recommended to incorporate mediating variables such as employment and investment, and apply causal analysis methods to deepen the understanding of zakat’s economic impact.
Perempuan dan Literasi Finansial dalam Rumah Tangga: Sintesis Literatur Gender dan Ekonomi Wahyu Wibowo; Alda Fildza Amima; Mega Rahmawati; Ahmad Wildan Raikhana; Najma Arum S Lessy
SOSMANIORA: Jurnal Ilmu Sosial dan Humaniora Vol. 5 No. 1 (2026): Maret 2026
Publisher : Yayasan Literasi Sains Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55123/sosmaniora.v5i1.7354

Abstract

This study examines women’s financial literacy in the household context, highlighting women’s role as key economic agents in managing family finances. Financial literacy is viewed not just as a technical skill but as a social practice shaped by gender relations, cultural norms, and power structures within the household. Women often manage daily budgets, regulate routine expenses, and plan long-term needs, although strategic financial decisions such as investments are still dominated by men. The study finds that women’s financial literacy plays a critical role in enhancing household economic resilience, particularly in the face of economic shocks such as inflation and financial crises. Furthermore, good financial literacy enables women to manage family resources more efficiently, improving the family’s economic welfare and reducing social inequalities. The study also emphasizes the importance of policies that support women’s empowerment through inclusive financial education, to achieve gender equality in household financial management and encourage women’s economic participation in society.
Analisis Strategi Optimalisasi Likuiditas pada Perbankan Syariah di Indonesia Ahmad Choiri; Wahyu Wibowo; Aminuddin; Adi Ariga; Joko Setyono
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 4 No. 4: Mei 2025
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v4i4.7778

Abstract

Optimalisasi likuiditas merupakan salah satu elemen krusial dalam menjamin keberlanjutan operasional perbankan syariah di Indonesia. Seiring dengan pertumbuhan industri yang terus meningkat, perbankan syariah menghadapi tantangan likuiditas yang kompleks, seperti ketergantungan pada dana pihak ketiga, minimnya instrumen pasar keuangan syariah, dan fluktuasi kondisi perekonomian. Penelitian ini menggunakan metode deskriptif kualitatif dengan pendekatan library research. Pengumpulan data dilakukan melalui pemahaman teori dari berbagai literatur yang relevan, seperti buku, jurnal, dan hasil penelitian terdahulu. Proses pengumpulan data dilakukan dengan menyusun working library, membaca, mencatat, dan menganalisis secara kritis bahan-bahan yang diperoleh. Penelitian ini menganalisis berbagai strategi untuk mengoptimalkan likuiditas perbankan syariah, antara lain pemanfaatan instrumen keuangan syariah seperti sukuk, diversifikasi pendanaan melalui financial technology berbasis syariah, dan penerapan kebijakan manajemen risiko. Hasil analisis menunjukkan bahwa penguatan kerangka regulasi, kolaborasi lintas sektor, dan digitalisasi proses perbankan dapat meningkatkan efisiensi likuiditas secara signifikan. Strategi ini tidak hanya meningkatkan daya saing perbankan syariah, tetapi juga mendukung pembangunan industri keuangan syariah yang berkelanjutan. Studi ini memberikan wawasan strategis bagi pelaku industri dan regulator dalam mengatasi tantangan likuiditas sekaligus mendorong stabilitas dan pertumbuhan sektor keuangan Islam di Indonesia.
Optimizing village empowerment through creative MSMEs, financial literacy, and government policies for poverty alleviation Wahyu Wibowo; Mega Rahmawati; Taufikur Rohman; Nasrudin Nasrudin; Zakiyudin Fikri
Priviet Social Sciences Journal Vol. 6 No. 3 (2026): March 2026
Publisher : Privietlab

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55942/pssj.v6i3.1439

Abstract

This study examines village empowerment strategies for poverty alleviation through the integration of strengthening creative MSMEs based on local culture, increasing financial literacy (including digital financial literacy), and government policy support. The study uses a literature study by selecting and synthesizing research findings related to the concept of Cultural Independent Villages, creative entrepreneurship, financial inclusion, and collaborative governance models. The results of the synthesis show that local culture can be an endogenous capital that generates economic added value through creative products and services, while strengthening citizen participation. However, the growth of MSMEs is not sustainable without the ability to record finances, plan capital, and utilize secure digital financial services. Policy support is needed to build an ecosystem in the form of tiered mentoring, business incubation, pentahelix partnerships, access to financing, and market access through marketing digitalization. The study confirms that fragmented interventions tend to produce short-term impacts, so programs should be designed place-based with success indicators that include revenue, business sustainability, market expansion, and financial inclusion. Future agendas include cross-village integrative model testing, data-driven impact measurement, and risk and consumer protection assessments on digital financial literacy. Practically, the main recommendations are to build an applicable financial literacy curriculum, facilitate legality and product standardization, and strengthen culture-based branding so that MSMEs upgrade and their benefits are evenly distributed at the household level.
Dari Literasi Finansial ke Kesejahteraan UMKM: : Peran Literasi Finansial dalam Kinerja Usaha dan Pengentasan Kemiskinan Wahyu Wibowo
Jurnal Akuntansi dan Bisnis Syariah Vol 3 No 1 (2026): Edisi 4
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35897/hasina.v3i1.2342

Abstract

Penelitian ini membahas bagaimana literasi finansial berperan dalam meningkatkan kinerja UMKM dan bagaimana peningkatan kinerja tersebut berpotensi berkontribusi pada kesejahteraan serta pengentasan kemiskinan. Penelitian menggunakan pendekatan kualitatif deskriptif berbasis studi pustaka dengan menghimpun dan menyintesis temuan riset terbaru periode 2022 sampai 2025, diperkuat oleh data sekunder nasional untuk membangun konteks Indonesia. Literatur ditelaah untuk mengidentifikasi pola hubungan yang berulang, mekanisme pengaruh, dan faktor konteks yang membedakan temuan antar wilayah maupun karakteristik pelaku UMKM. Hasil sintesis menunjukkan bahwa literasi finansial tidak hanya memengaruhi kinerja usaha secara langsung, tetapi terutama melalui perbaikan praktik manajemen keuangan seperti pencatatan, penganggaran, pengelolaan arus kas, evaluasi pembiayaan, serta disiplin pemisahan keuangan usaha dan rumah tangga. Temuan juga menegaskan pentingnya literasi finansial digital karena ekosistem pembayaran dan pembiayaan digital dapat memperkuat dampak literasi ketika UMKM mampu mengakses dan memanfaatkan layanan keuangan secara produktif dan aman. Pada level kesejahteraan, jalur yang paling konsisten menggambarkan bahwa stabilitas arus kas dan keberlanjutan usaha meningkatkan ketahanan pendapatan rumah tangga, menekan praktik bertahan yang merugikan, serta mengurangi kerentanan terhadap guncangan ekonomi yang dapat mendorong jatuh miskin. Artikel ini menawarkan model konseptual literasi, praktik keuangan, kinerja UMKM, dan kesejahteraan sebagai landasan rekomendasi kebijakan. Implikasi utama menekankan perlunya program literasi yang bersifat praktik, tersegmentasi, terintegrasi dengan pendampingan usaha, dan didukung perlindungan konsumen dalam layanan keuangan digital.
Co-Authors Adi Ariga Ahmad Choiri Ahmad Wildan Raikhana Alda Fildza Amima Aminuddin Anton Bawono Herdian Mainaki Joko Setyono Mega Rahmawati Najma Arum S Lessy Nasruddin Nasruddin Taufikur Rohman Zakiyudin Fikri