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All Journal Dinar: Jurnal Ekonomi dan Keuangan Islam Iqtishodia: Jurnal Ekonomi Syariah Syaikhuna: Jurnal Pendidikan dan Pranata Islam STAI Syaichona Moh. Cholil Bangkalan
Adriani, Siti Kamiliyah
Unknown Affiliation
Religion Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences

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The Role of Income Distribution through ZIS in Realising Economic Justice in Indonesia Adriani, Siti Kamiliyah; Arifin , Sirajul
Syaikhuna: Jurnal Pendidikan dan Pranata Islam Vol. 16 No. 01 (2025): March
Publisher : STAI Syaichona Moh. Cholil Bangkalan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62730/syaikhuna.v16i01.7704

Abstract

This study investigates the persistent structural gap between the theoretical potential and realized implementation of Zakat, Infaq, and Sadaqah (ZIS) as Islamic fiscal instruments for equitable income redistribution in Indonesia. Drawing on consolidated national data from the National Zakat Agency (BAZNAS), Indonesia's annual zakat potential is estimated at IDR 327.6 trillion. However, actual ZIS collections consistently fall short: IDR 12.7 trillion in 2020, IDR 14.7 trillion in 2021, IDR 22.2 trillion in 2022, and IDR 28.7 trillion (provisional) in 2023 .  The 2023 realization represents merely 8.8% of total potential, leaving over IDR 298.9 trillion unutilized and signalling systemic inefficiencies in philanthropy governance. Employing a library research methodology that analyzes BAZNAS datasets, BPS poverty metrics, and Islamic economics literature, this study identifies three primary constraints: fragmented institutional coordination between ZIS management and fiscal authorities; deficiencies in public financial literacy regarding contemporary zakat obligations; and inadequate digital infrastructure for transparent distribution.Modelling based on BAZNAS-BPS data indicates that harnessing just 30% of ZIS potential (approximately IDR 98.3 trillion) could significantly reduce Indonesia's Gini coefficient by 0.03 points and alleviate extreme poverty for 4.2 million citizens. This paper concludes by advocating for integrated policy reforms centered on digitalized collection systems, sharia-compliant fiscal integration, and targeted religious education to transform ZIS into an effective redistributive mechanism aligned with the maq??id al-shar??a (higher objectives of Islamic law).
Big Data Analytics and Open Banking: A New Paradigm for Shariah-Compliant Financial Ecosystems Adriani, Siti Kamiliyah; Mustofa , Mustofa
Iqtishodia: Jurnal Ekonomi Syariah Vol. 11 No. 1 (2026): March
Publisher : Universitas Al-Qolam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35897/iqtishodia.v11i1.2232

Abstract

The rapid growth of financial technologies has given rise to new paradigms in the banking sector, with Open Banking and Big Data Analytics emerging as key drivers of innovation. This paper explores how these technologies can reshape the Shariah-compliant financial ecosystem, offering new opportunities for enhancing transparency, efficiency, and customer engagement. Methodologically, this study employs a qualitative approach based on a systematic literature review to examine relevant secondary data. Open Banking, which enables secure sharing of financial data between institutions, combined with Big Data Analytics, offers powerful tools for optimizing financial services, improving risk management, and ensuring Shariah compliance. By analyzing the intersection of these two technologies within Islamic finance, this study highlights their potential to enhance operational effectiveness while adhering to Shariah principles. The research discusses the challenges and opportunities presented by this integration, including issues of data privacy, regulatory compliance, and the need for Shariah governance. Ultimately, this paper aims to provide a framework for understanding how Big Data and Open Banking can work together to foster more inclusive, efficient, and innovative Shariah-compliant financial ecosystems.
Integration of Fintech and Sharia Factoring Based on Maqaṣid al-Shari‘ah for MSME Financing Adriani, Siti Kamiliyah; Mugiyati, Mugiyati
Dinar : Jurnal Ekonomi dan Keuangan Islam Vol 12, No 2: Agustus 2025
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/dinar.v12i2.33055

Abstract

The limited integration between fintech innovation and Sharia factoring within a comprehensive maqāṣid al-sharī‘ah framework constitutes a significant gap in Islamic finance research. This study aims to develop an integrative normative-conceptual framework that explains how fintech-based invoice financing can strengthen efficiency, transparency, financial inclusion, and Sharia compliance in MSME financing. The research employs a qualitative method using a normative-conceptual approach through library research. The data consist of secondary academic sources, including 35 peer-reviewed journal articles, books, and research reports, as well as 7 institutional documents from OJK, KemenkopUKM, AFPI, and Islamic fintech platforms published between 2018–2025. Data were analyzed using content analysis through reduction, categorization, and critical interpretation based on maqāṣid al-sharī‘ah. The findings indicate that the integration of blockchain, smart contracts, digital escrow systems, and Sharia contractual structures such as wakālah bil ujrah, murābaḥah, and qard ḥasan enhances transparency, risk mitigation, and access to MSME financing. However, regulatory standardization and digital Sharia governance remain limited. The study implies the need for harmonized regulatory frameworks and strengthened digital Sharia supervision to ensure that fintech innovation substantively achieves taḥqīq al-maṣlaḥah within the Islamic financial ecosystem.
Co-Authors Arifin , Sirajul Mugiyati Mustofa , Mustofa