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Zulaika Matondang
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Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan Jl. H. T. Rizal Nurdin Km 4.5 Sihitang Padangsidimpuan.
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Journal Of Islamic Social Finance Management
Published by Institut Agama Islam Negeri Padangsidimpuan
ISSN : -     EISSN : 27770753     DOI : https://doi.org/10.24952/jisfim
Core Subject : Religion, Humanities, Science, Education, Social,
Religion Humanities Decision Sciences, Operations Research & Management Social Sciences Other
Journal of Islamic Social Finance Management is a peer-reviewed journal on the management of Islamic social finance (sadaqah, zakat, waqf, and infaq). This journal is published by the Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan, Indonesia. Editors welcome scholars, researchers, and practitioners of Islamic management, economics, and business around the world to submit scholarly articles to be published in this journal. All articles will be reviewed by experts before being accepted for publication. Each author is solely responsible for the content of published articles.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 116 Documents
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Pemahaman Masyarakat Tentang Zakat Digital di Kecamatan Lembah Melintang Kabupaten Pasaman Barat M Yarham
Journal of Islamic Social Finance Management Vol 7, No 1 (2026): JANUARI - JUNI 2026
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jisfim.v7i1.19951

Abstract

This study aims to determine the community's understanding of digital zakat in Lembah Melintang District, West Pasaman Regency, and the factors influencing the use of digital zakat among the community. This research employed a qualitative research method with a descriptive approach. Data were collected through observation, interviews, and documentation involving community members, religious leaders, village officials, and several informants related to the use of digital zakat. The results showed that the people of Lembah Melintang District were familiar with digital zakat through mobile banking applications, QRIS, social media, and information from zakat institutions. However, the community's understanding of digital zakat is still at a basic level and has not been fully optimal. Most people still prefer conventional zakat payment methods through mosques, mushalla, or directly to mustahik because they are considered clearer and more trustworthy. Factors influencing public understanding of digital zakat include education level, digital literacy, age, community culture, trust in zakat management institutions, and the lack of socialization regarding digital zakat. In addition, the community still has concerns regarding the security of digital transactions, such as online fraud and personal data leakage. Therefore, more intensive socialization and education from zakat institutions, the government, and religious leaders are needed to improve public understanding and the use of digital zakat services.
Analisis Kepercayaan dan Pengetahuan Produk Cash Waqf Link Deposit pada Minat Nasabah Risna Hairani Sitompul; Fadillah Harahap
Journal of Islamic Social Finance Management Vol 7, No 1 (2026): JANUARI - JUNI 2026
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jisfim.v7i1.20644

Abstract

This study aims to analyze customers' interest in using the Cash Waqf Linked Deposit (CWLD) product and to identify the influence of trust and knowledge on their interest at PT. Bank Sumut Syariah Padangsidimpuan. This research employed a qualitative method with a descriptive approach. Data were collected through interviews with the Customer Service officer as the primary informant and supported by documentation. Data analysis consisted of data reduction, data presentation, and conclusion drawing, while data validity was ensured through source triangulation. The findings indicate that customers' interest in the CWLD product is relatively good, as reflected in their attraction, confidence, and willingness to participate. Customers' interest is influenced by trust, which is reflected in the institution's reliability, employees' competence, and service quality, as well as by knowledge, which is shaped by educational background, access to information, and the social, cultural, and economic conditions of the community.
Integrasi Teknologi Blockchain Dalam Pengelolaan Wakaf: Mewujudkan Transparansi dan Akuntabilitas untuk Keberlanjutan Lembaga Pendidikan Islam K.H. Sofwan Manaf; Uswatun Khasanah; Sabiila Khoirin Ni'mah
Journal of Islamic Social Finance Management Vol 7, No 1 (2026): JANUARI - JUNI 2026
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jisfim.v7i1.20460

Abstract

This study analyses the role of blockchain in strengthening transparency and accountability in waqf management within Islamic educational institutions and its implications for institutional sustainability. Weak transparency and accountability have long eroded public trust and constrained the sustainability of waqf-dependent institutions. Employing a qualitative Systematic Literature Review guided by the PRISMA protocol, the study screened literature indexed in Scopus, Web of Science, and SINTA published between 2015 and 2025, from which ten studies met the inclusion criteria and were analysed thematically. The findings show that blockchain advances transparency through real-time tracking, reinforces nazhir accountability through immutable audit trails, and cultivates public trust that drives donor participation. Blockchain thus functions not merely as a technical innovation but as a governance infrastructure, although its success depends on institutional readiness rather than technological sophistication alone.
Pendayagunaan Dana Sosial Melalui Financial Technology Untuk Pemberdayaan Usaha Mikro Sry Lestari; Annida Karima Sovia; Rani Rahman Harahap
Journal of Islamic Social Finance Management Vol 7, No 1 (2026): JANUARI - JUNI 2026
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jisfim.v7i1.20924

Abstract

Micro-enterprises play a significant role in promoting economic growth; however, they continue to face challenges, including limited capital, restricted access to financing, inadequate managerial capacity, and suboptimal utilization of digital technology. This study aims to analyze the utilization of the Social Fund of Bank Sumut Sharia Branch Padangsidimpuan through Financial Technology (FinTech) to empower micro-enterprises in Padangsidimpuan City and to identify the challenges encountered in its implementation. This research employed a descriptive qualitative approach through field research. Data were collected through observations, interviews, and documentation and were analyzed descriptively. The findings indicate that the bank's social fund contributes to the empowerment of micro-enterprises by increasing business capital and improving business productivity. Nevertheless, its implementation is constrained by limited funding, insufficient public outreach, inadequate assistance, and the suboptimal use of Financial Technology in the distribution of social funds. The study concludes that optimizing the digitalization of social fund distribution is essential to enhance its effectiveness, transparency, and outreach in empowering micro-enterprises.
Wakaf Digital di Kalangan Generasi Z Ditinjau dari Perspektif Etika Ekonomi Islam Rini Hayati Lubis; Nurul Izzah
Journal of Islamic Social Finance Management Vol 7, No 1 (2026): JANUARI - JUNI 2026
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jisfim.v7i1.20248

Abstract

This study aims to analyze the practice of digital waqf among Generation Z from the perspective of Islamic economic ethics. Generation Z is a group that has a high level of digital literacy and is very close to the use of technology, so it has great potential in the development of digital-based Islamic philanthropy. This research uses a qualitative method with a library research approach through the analysis of various literature related to digital waqf, characteristics of Generation Z, and the principles of Islamic economic ethics. The results of the study show that digital waqf is in line with the ethical values of Islamic economics if it is managed based on the principles of justice ('adl), trust, transparency, social responsibility, and benefits (maslahah). Ease of access, flexibility of transactions, and the use of technology are factors that encourage Generation Z's interest in participating in digital waqf. However, there are still several challenges, such as low waqf literacy, the level of trust in management institutions, and understanding of the sharia-compliant digital waqf mechanism. Therefore, it is necessary to strengthen accountable digital governance, improve waqf education, and optimize the use of digital media to increase Generation Z's participation in digital waqf. This research contributes to the development of the study of Islamic philanthropy by highlighting the relationship between technological innovation, the participation of the younger generation, and the implementation of Islamic economic ethics in the digital era.
Developing a Waqf Sociopreneurship Model for Strengthening Family Resilience in Roumah Waqf Surabaya Sumarkan Sumarkan; Basar Dikuraisyin
Journal of Islamic Social Finance Management Vol 7, No 1 (2026): JANUARI - JUNI 2026
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jisfim.v7i1.20637

Abstract

Abstract This study develops a family-centered waqf sociopreneurship model by examining how productive waqf is transformed into a sociopreneurship ecosystem for family stability and resilience. The family economy is the micro-institution most impacted by modern economic developments. Using a qualitative case study at the Surabaya Waqf House, data was collected through in-depth interviews, observation, and document analysis. The findings indicate that the family-centered waqf sociopreneurship model positions the family as a central mediating institution connecting waqf assets, sociopreneurship, family resilience, and sustainable social welfare. The family waqf management pattern is symbiotic, where the waqf donor donates his family's assets, but they receive the results of management as beneficiaries of the waqf. This pattern is called transformation.

Page 12 of 12 | Total Record : 116

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