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All Journal Al-Hijr: Journal of Adulearn World Al Irsyad: Jurnal Studi Islam Journal Markcount Finance Journal International Dakwah and Communication Sharia Oikonomia Law Journal Journal of Computer Science Advancements Journal of Noesantara Islamic Studies Journal of Moeslim Research Technik Journal of Selvicoltura Asean Research Psychologie, Orientation et Conseil Journal of Loomingulisus ja Innovatsioon Cognitionis Civitatis et Politicae Research of Scientia Naturalis Journal of Biomedical and Techno Nanomaterials Journal of Social Entrepreneurship and Creative Technology Journal of Humanities Research Sustainability Journal of Multidisciplinary Sustainability Asean
Dara, Ravi
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Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Humanities Automotive Engineering Biochemistry, Genetics & Molecular Biology Chemistry Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Physics Social Sciences Other

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E-Wallets and Zakat: Opportunities and Challenges of Sharia Financial Technology in Enhancing the Financial Well-Being of the Madura Community Qadariyah, Lailatul; Fadhil, Fakhry; Adinata, Uslan; Wong, Lucas; Dara, Ravi
Al Irsyad: Jurnal Studi Islam Vol. 5 No. 1 (2026): Al Irsyad: Jurnal Studi Islam
Publisher : STAI Publisistik Thawalib Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54150/alirsyad.v5i1.844

Abstract

The adoption of e-wallets for zakat payments remains low due to limited digital literacy, security concerns, and the requirement for Sharia compliance, despite fintech innovations improving efficiency and transparency. This study investigates the influence of opportunities and challenges in e-wallet usage on community participation in digital zakat payments. A mixed-methods approach with a Sequential Explanatory design was employed. The quantitative phase used a correlational approach with questionnaires, analyzed in SPSS for descriptive statistics, and tested for validity, reliability, normality, and linearity, using t-tests and F-tests. The qualitative phase involved a case study with interviews and documentation from 20 informants over 59 days, analyzed through data condensation, descriptive presentation, and triangulation of sources and techniques. Results indicate moderately high perceptions of e-wallet opportunities (mean = 16.00), high perceived challenges (mean = 36.10), and moderately high zakat usage (mean = 16.43). Statistical analyses confirmed significant positive relationships between variables. The Madura community, especially younger generations, uses M-Banking and ShopeePay for daily transactions, including zakat, although most still prefer cash. E-wallets provide accessibility, flexibility, and transactional proof, but limited knowledge, security concerns, and traditional habits limit their adoption for zakat payments. The study concludes that opportunities enhance zakat participation, challenges reduce interest, and overall adoption depends on community understanding, access, and trust. This research offers important insights into how e-wallet opportunities and challenges affect the effectiveness of digital zakat payments.
DIGITAL TWINS: TRANSFORMING URBAN PLANNING AND INFRASTRUCTURE MANAGEMENT Dara, Ravi; Syaiful, Muhammad; Dara, Chenda
Cognitionis Civitatis et Politicae Vol. 2 No. 4 (2025)
Publisher : Yayasan Adra Karima Hubbi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70177/politicae.v2i4.2160

Abstract

The rapid advancement of digital technologies has paved the way for innovative approaches in urban planning and infrastructure management. Digital twins, virtual replicas of physical entities, have emerged as a transformative tool in these fields, allowing for real-time monitoring and analysis.This research aims to explore the potential of digital twins in enhancing urban planning and infrastructure management. Specifically, it investigates how these technologies can improve decision-making processes, optimize resource allocation, and foster sustainable urban development. A mixed-methods approach was employed, combining quantitative data analysis from existing digital twin projects with qualitative case studies. Data were collected from various urban environments utilizing digital twins, focusing on metrics such as efficiency, cost savings, and stakeholder engagement. The findings reveal that digital twins significantly enhance urban planning by providing precise simulations of urban environments. Case studies demonstrated improved decision-making capabilities, leading to a 30% increase in resource efficiency and a 25% reduction in project costs. Stakeholder engagement also improved, with participants reporting higher satisfaction levels due to transparent processes. Digital twins represent a paradigm shift in urban planning and infrastructure management. The integration of real-time data and predictive analytics provides urban planners and managers with valuable insights, enabling more informed decisions. This research underscores the importance of adopting digital twin technologies to foster sustainable urban development and improve the overall quality of life in cities. Further studies are recommended to explore the long-term impacts of digital twin implementations across diverse urban contexts.
Environmental Ethics in Ancient Javanese Philosophy: Reconstructing the Concept of Rahayu as a Local Ecosophy wijaya, wijaya; Kamakaula, Yohanes; Ardiyansyah, Bagus; Dara, Ravi
Journal of Humanities Research Sustainability Vol. 1 No. 6 (2024)
Publisher : Yayasan Adra Karima Hubbi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70177/jhrs.v1i6.2408

Abstract

Background. Global environmental destruction is driving the search for alternative environmental ethics that is not only universal but also rooted in local wisdom. Ancient Javanese philosophy holds the concept of Rahayu which represents the harmony of the cosmos and the principle of sustainability. Purpose. This research aims to reconstruct the concept of Rahayu as a relevant framework for local ecosophy to answer contemporary ecological challenges. Method. The hermeneutical approach is used to analyze ancient manuscripts, oral traditions, and cultural practices related to Rahayu. Interviews with cultural sources and literature studies support philosophical and ecological interpretations. Results. Research has found that Rahayu contains the principles of cosmological balance, respect for nature, and resource sustainability. This value is in line with modern environmental ethics but is firmly rooted in Javanese agrarian cosmology. Conclusion. Rahayu's reconstruction produces a framework for local ecosophy that has the potential to be applied in education, policy, and environmental social movements. This concept can bridge traditional knowledge and global environmental ethical theory. This research offers a unique integration between modern environmental philosophy and Javanese local wisdom through the Rahayu concept, while presenting an analytical method that combines philosophical, anthropological, and cultural ecological approaches.
Co-Authors Adinata, Uslan Al Imran, Hamzah Alves, Livia Ardian Al Hidaya, Ardian Ardiyansyah, Bagus Besari, Anam Dara, Chenda Dara, Sokha Erdoan, Aylin Fakhry Fadhil Khoiriyah Khoiriyah Kiri, Ming Kumar, Rohan Lailatul Qadariyah MISMIWATI, MISMIWATI MISMIWATI Mokodensoho, Sabil Muhammad Syaiful Nofirman, Nofirman Rith, Vicheka Rocha, Thiago Savitri, Dita Nurul Sefrizal, Levy Siti Shofiah Sok, Vann Sok, Vanna Sothy, Chak St Rahmah Sulaiman Sulaiman Syam, Anna Rahma Vann, Dara Vann, Rithy WIJAYA WIJAYA, WIJAYA Wong, Lucas Yohanes Kamakaula Kamakaula Yohanes Kamakaula Kamakaula Zani, Benny Novico