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All Journal Al Irsyad: Jurnal Studi Islam Journal of Computer Science Advancements Journal of Noesantara Islamic Studies Journal of Selvicoltura Asean Research of Scientia Naturalis Journal of Biomedical and Techno Nanomaterials Journal of Social Entrepreneurship and Creative Technology Journal of Multidisciplinary Sustainability Asean
Wong, Lucas
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Religion Agriculture, Biological Sciences & Forestry Biochemistry, Genetics & Molecular Biology Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Education Languange, Linguistic, Communication & Media 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.
COMMUNITY-BASED FOREST GOVERNANCE MODELS IN SOUTHEAST ASIA: BETWEEN LOCAL WISDOM AND STATE POLICY Tan, Ethan; Lee, Ava; Wong, Lucas
Journal of Selvicoltura Asean Vol. 3 No. 2 (2026)
Publisher : Yayasan Adra Karima Hubbi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70177/jsa.v3i2.3757

Abstract

Southeast Asia’s forests are critical to both global biodiversity and local livelihoods. Yet, these ecosystems are under significant threat from deforestation, climate change, and unsustainable resource extraction. The governance of forest resources in the region remains a complex issue, as it involves the interaction between local communities’ traditional knowledge and practices, and state policies aimed at forest conservation and management. Understanding the dynamics of community-based forest governance models, which integrate local wisdom with state regulations, is crucial for achieving sustainable forest management. This study aims to examine the role of community-based forest governance models in Southeast Asia, with a particular focus on how local wisdom and state policy intersect. The research seeks to explore the challenges and opportunities in aligning indigenous governance practices with formal state policies for effective forest management. A qualitative approach was employed, utilizing case studies from various Southeast Asian countries, including Indonesia, Thailand, and the Philippines. Data were gathered through interviews with community leaders, government officials, and forest managers, as well as field observations. The findings highlight that while local communities possess valuable ecological knowledge, there are often conflicts with state policies that prioritize top-down forest management. However, successful models exist where collaboration between communities and state actors leads to more sustainable outcomes. The study underscores the importance of integrating local wisdom with state policies to create more effective and inclusive forest governance frameworks.
Co-Authors Adinata, Uslan Chan, Rachel Chiristiaan, Pemy Dara, Ravi Fakhry Fadhil Jiwon, Seo Johannes Muller, Johannes Joshi, Nikhil Koh, Megan Lailatul Qadariyah Lee, Ava Lim, Sofia Muntasir, Muntasir Nugroho, Agung Yuliyanto Olsson, Ingrid Prasetio, Rachmat Rao, Ananya Riatmaja, Dodi Setiawan Salim, Achmad Agus Shodiq, MD Syahlan, Zainal Tan, Ethan Tan, Marcus Teo, Ryan