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All Journal Referensi Islamika: Jurnal Studi Islam Equilibrium Jurnal penelitian Pendidikan dan Ekonomi
Acim Acim
STAI Putra Galuh Ciamis
Religion Humanities

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OPTIMIZING PRODUCTIVE ZAKAT FINANCING: THE MODERATING ROLE OF BUSINESS MENTORING ON SUSTAINABLE WELFARE Ihrom Jaelani; Sari Damayanti; Acim Acim; Misbahul Khoer
Referensi Islamika: Jurnal Studi Islam Vol. 4 No. 3 (2026): June
Publisher : Academic Bright Collaboration

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66053/ri.v4i3.549

Abstract

This study aims to evaluate the efficacy of productive zakat financing on the creation of sustainable welfare for mustahik (zakat recipients), and to explore the potential moderating role of business mentoring as a behavioral control mechanism. An explanatory quantitative approach was applied to a purposively selected surviving cohort comprising 75 micro-entrepreneurs who received assistance from the National Board of Zakat (BAZNAS) in Ciamis Regency, Indonesia. Data were collected via structured questionnaires and analyzed using Moderated Regression Analysis (MRA), deliberately adopting a mean-centering procedure to mitigate the risks of structural multicollinearity inherent in interaction terms. Baseline linear regression results suggest that productive zakat financing has a significant direct effect on welfare (R2 = 0.695, p < 0.05). Furthermore, the MRA indicates the presence of a moderation effect, wherein business mentoring appears to act as a significant positive moderator (β = 0.040, p = 0.029). The inclusion of this interaction variable increases the model's explanatory power to 85.8% (R2 = 0.858). These findings suggest that Islamic philanthropy regulators may benefit from adopting an integrated incubation ecosystem that systemically bundles capital provision with mentor education. The primary limitation of this study is its inherent susceptibility to survivorship bias, as it evaluates only active business units, combined with a cross-sectional observation design that limits the assertion of definitive causal inferences over extended time horizons. This research highlights a potential paradigm shift in zakat program evaluation by positioning business mentoring not merely as a parallel predictor variable, but as a crucial moderating mechanism that facilitates the attainment of holistic prosperity guided by Maqashid Sharia.
PENINGKATAN PEMAHAMAN KEUANGAN SYARIAH DI KALANGAN MAHASISWA STAI PUTRA GALUH CIAMIS Misbahul Khoer; Acim Acim; Harun Nur Jamiel
EQUILIBRIUM: JURNAL PENELITIAN PENDIDIKAN DAN EKONOMI Vol. 22 No. 01 (2025): EQUILIBRIUM: Jurnal penelitian Pendidikan dan Ekonomi
Publisher : Department of Economic Education, Faculty of Teacher Training and Education, the University of Kuningan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25134/dtzshy72

Abstract

Understanding shari’a finance is increasingly important because the need for knowledge about shari’a financial management continues to increase, especially among students. However, in reality students still have limited understanding of the basic concepts of shari’a finance, shari’a financial products, as well as the basic differences between shari’a and conventional finance. This research aims to analyze how understanding of shari’a finance develops among STAI Putra Galuh Ciamis students, by highlighting existing challenges and opportunities that can be exploited in developing understanding of shari’a finance. This research method uses qualitative with a descriptive design, where information is obtained through question and answer sessions and direct observation of students at STAI Putra Galuh Ciamis. The research results show that even though there is a basic understanding of shari’a finance, there are still many challenges faced by students, such as lack of access to relevant information, low interest in exploring this topic, and limited open materials related to understanding shari’a finance. However, this research also identifies a number of opportunities, such as increasing the potential for understanding through more structured education and training programs, as well as collaboration between educational institutions and Islamic financial institutions to provide more adequate resources. It is hoped that the results of this research can make a significant contribution in developing shari’a financial understanding programs in universities, especially at STAI Putra Galuh Ciamis, as well as becoming a reference in efforts to increase students' understanding of financial management that follows shari’a rules.
Co-Authors Harun Nur Jamiel Ihrom Jaelani Sari Damayanti