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All Journal Jurnal Asy-Syari'ah Shafin: Sharia Finance and Accounting Journal
Bin Ahmad, Shofian
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Arts Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Other

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Pengaruh Kinerja Keuangan Terhadap Tingkat Kepercayaan Muzakki Untuk Membayar Zakat Profesi: Mampukah Kualitas Pelayanan Memoderasi? (Studi Kasus BAZNAS Kabupaten Sampang) Firman Ardiansyah; Halida, Uly Mabruroh; Handayani, Sri; Bin Ahmad, Shofian
Shafin: Sharia Finance and Accounting Journal Vol. 5 No. 1 (2025)
Publisher : Institut Agama Islam Negeri (IAIN) Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/sfj.v5i1.18404

Abstract

This study aims to examine and analyze financial performance which includes transparency of financial statements, financial accountability, and competence in managing funds on the level of muzakki's trust in paying professional zakat moderated by quality of service. This study uses a quantitative method with a causality approach. Data collection used questionnaires with accidental sampling techniques to ASNs in Sampang Regency. The data obtained is then processed through SPSS. Testing the variable starts from the multiple linear regression test, then the moderated multiple linear regression test. The results showed that the transparency of financial reports, financial accountability, and fund management competence had a significant effect on the level of muzakki's trust, as well as service quality had a significant effect but were unable to moderate the transparency of financial reports, financial accountability, and fund management competence on the level of muzakki's trust to pay professional zakat at BAZNAS Sampang Regency.
Mosques as Catalysts for Islamic Financial Inclusion: Evidence from Branchless Banking Implementations Sofiani, Trianah; bin Ahmad, Shofian; Pratami, Bunga Desyana; Suhendar, Heris
Asy-Syari'ah Vol. 27 No. 2 (2025): Asy-Syari'ah
Publisher : Faculty of Sharia and Law, Sunan Gunung Djati Islamic State University of Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/as.v27i2.48309

Abstract

Islamic financial inclusion in Indonesia remains relatively low among the unbanked and underbanked populations, who have limited access to formal banking services. This condition necessitated Bank Syariah Indonesia to introduce a branchless banking initiative, known as BSI Smart, which is integrated with mosques to expand equitable access to Islamic financial services. Therefore, this study aimed to analyze the effectiveness of implementing a branchless banking policy integrated with mosques to increase Islamic financial inclusion. The analysis adopted qualitative methods, collecting data through interviews and questionnaires. Interviews were conducted with 10 informants selected purposively. Questionnaires were further administered to 100 respondents in rural areas and 100 in urban areas who were randomly selected. Correlating with the theories of Edwards and Metter-Horn, this study showed that implementing branchless banking policy through mosques remained ineffective due to inaccurate targeting, limited facilities and infrastructure, suboptimal communication, and the community's socio-economic conditions, which tended to favor informal financial institutions. The novelty of the analysis lay in the integration of mosques as centers for Islamic financial literacy and education, directly connected to BSI Smart agents. This allowed mosques to serve as places of worship and centers of economic empower­ment for the community. Additionally, the model had the potential to become a new strategy in expanding the reach of Islamic banking that was more inclusive, sustainable, and in accordance with Islamic principles.
Co-Authors Firman Ardiansyah Halida, Uly Mabruroh Handayani, Sri Heris Suhendar, Heris Pratami, Bunga Desyana Trianah Sofiani