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Yuli Andriansyah
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yuliandriansyah@uii.ac.id
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+6285369607374
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jurnal.lariba@uii.ac.id
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Gedung K.H. A. Wahid Hasyim, Kampus Terpadu UII, Jl. Kaliurang KM 14,5, Besi, Sleman, DI Yogyakarta, 55584
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Daerah istimewa yogyakarta
INDONESIA
Journal of Islamic Economics Lariba
ISSN : 24774839     EISSN : 25283758     DOI : https://doi.org/10.20885/jielariba
Journal of Islamic Economics Lariba provides a platform for academicians, researchers, lecturers, students, and others having concerns about Islamic economics, finance, and development. The journal welcomes contributions on the following topics: Islamic economics, Islamic public finance, Islamic finance, Islamic accounting, Islamic business ethics, Islamic banking, Islamic insurance, Islamic human resource management, Islamic microfinance, Islamic capital market, and other relevant Islamic economic and financial studies.
Articles 15 Documents
Search results for , issue "vol. 12 no. 2 (2026)" : 15 Documents clear
Mediating role of waqf literacy on the impact of knowledge, experience, and capacity building on the performance of waqf institutions in East Java, Indonesia Siswahyudianto, Siswahyudianto; Al Idrus, Salim; Munir, Misbahul; Ningsih, Sri Wahyuni
Journal of Islamic Economics Lariba Vol. 12 No. 2 (2026)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol12.iss2.art1

Abstract

IntroductionWaqf institutions in Indonesia hold substantial potential to contribute to socio-economic development, yet their performance remains constrained by suboptimal asset utilization and limited managerial capacity. In East Java, many waqf assets are not managed productively, highlighting the need to strengthen human capital and institutional effectiveness. In this context, knowledge, experience, and coaching are critical factors that may influence institutional performance, while waqf literacy is increasingly recognized as an important capability for improving governance and decision-making.ObjectivesThis study aims to examine the influence of knowledge, experience, and coaching on the performance of waqf institutions in East Java. It also investigates the mediating role of waqf literacy in explaining how these human capital factors contribute to institutional performance.MethodThe study employs a quantitative explanatory design using survey data collected from 194 respondents within the Indonesian Waqf Board in East Java. The sample was selected through purposive sampling. Data were analyzed using Partial Least Squares Structural Equation Modeling to test both direct and indirect relationships among knowledge, experience, coaching, waqf literacy, and institutional performance.ResultsThe findings indicate that knowledge and coaching have significant positive effects on institutional performance, while experience does not show a direct effect. Knowledge, experience, and coaching significantly improve waqf literacy, which in turn positively affects performance. Waqf literacy fully mediates the relationship between experience and performance and partially mediates the relationship between coaching and performance, but it does not mediate the effect of knowledge.ImplicationsThe results suggest that waqf institutions should prioritize knowledge enhancement, structured training, and literacy development to improve performance. Emphasis should be placed on competency-based human resource strategies and continuous capacity building to ensure effective and sustainable waqf management.Originality/NoveltyThis study contributes to the literature by developing an integrated model that highlights the selective mediating role of waqf literacy in linking human capital factors to institutional performance, offering new insights into waqf management in Indonesia.
Islamic marketing mediation model in the influence of product innovation on the financial performance of Halal-certified MSMEs in Samarinda, Indonesia Jubaidi, Jubaidi; Kartini, Enny
Journal of Islamic Economics Lariba Vol. 12 No. 2 (2026)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol12.iss2.art2

Abstract

IntroductionFinancial performance is a critical indicator of sustainability and competitiveness for halal-certified Micro, Small, and Medium Enterprises, especially in markets where consumers increasingly demand halal compliance, product quality, ethical business conduct, and transparent value communication. Although product innovation is widely recognized as a strategic capability, its financial benefits may depend on the extent to which innovation is communicated through Islamic marketing principles.ObjectivesThis study examines the influence of product innovation on the financial performance of halal-certified Micro, Small, and Medium Enterprises in Samarinda, Indonesia. It also analyzes the mediating role of Islamic marketing in strengthening the relationship between product innovation and financial performance.MethodThis study employed an explanatory quantitative design using Structural Equation Modeling based on Partial Least Squares. Primary data were collected through structured questionnaires from 215 owners and managers of halal-certified Micro, Small, and Medium Enterprises in Samarinda. The research model tested the direct effects of product innovation on financial performance, product innovation on Islamic marketing, Islamic marketing on financial performance, and the indirect effect of product innovation on financial performance through Islamic marketing.ResultsThe findings show that product innovation has a positive and significant effect on the financial performance of halal-certified Micro, Small, and Medium Enterprises. Product innovation also significantly improves Islamic marketing practices. In addition, Islamic marketing has a positive effect on financial performance and partially mediates the relationship between product innovation and financial performance. These results indicate that innovation generates stronger financial outcomes when supported by marketing practices grounded in honesty, transparency, trustworthiness, ethical promotion, fair pricing, and halal-oriented communication.ImplicationsThis study suggests that halal-certified Micro, Small, and Medium Enterprises should not rely solely on halal certification or product renewal. Sustainable financial performance requires the integration of product innovation with Islamic marketing values that build consumer trust, strengthen market differentiation, and enhance business resilience.Originality/NoveltyThis study contributes to the halal business and Islamic marketing literature by developing an Islamic Marketing Mediation Model that explains how product innovation is converted into financial performance among halal-certified Micro, Small, and Medium Enterprises in a regional Indonesian context.
Green banking policy and implementation in Islamic banking: Evidence from Bank Syariah Indonesia Surabaya through a Maqāṣid al-Sharīʿah perspective Mulyani, Khalishah; Susanti, Neneng Desi; Nurhayati , Nurhayati
Journal of Islamic Economics Lariba Vol. 12 No. 2 (2026)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol12.iss2.art3

Abstract

IntroductionGreen banking has become increasingly important in response to environmental degradation, climate risk, and the growing demand for sustainable finance. In Islamic banking, this issue is particularly significant because environmental responsibility can be interpreted not only as a managerial obligation but also as part of Maqāṣid al-Sharīʿah, especially the protection of life, wealth, and future generations. Despite the rapid growth of sustainability discourse, empirical studies that examine green banking implementation in Islamic banking at the branch level remain limited.ObjectivesThis study analyzes the policy and implementation of green banking at Bank Syariah Indonesia, Surabaya Branch, and evaluates its practices through the perspective of Maqāṣid al-Sharīʿah. It also seeks to identify the extent to which green banking has been institutionalized in financing, operations, and risk management.MethodThis study employed a qualitative approach with a field research design. Data were collected through in-depth interviews, observation, and documentation. The analysis focused on three main dimensions of green banking: green financing, green operations, and environmental and social risk management. The findings were then interpreted using the framework of Maqāṣid al-Sharīʿah.ResultsThe study finds that green banking at Bank Syariah Indonesia, Surabaya Branch has been implemented through sustainable financing practices, digital and paper-reducing operational measures, and the incorporation of environmental and social risk assessment into financing decisions. However, implementation remains partial. Sustainable financing still coexists with financing directed to environmentally harmful sectors, and internal environmental performance indicators such as energy, fuel, water, and paper use show fluctuation rather than consistent reduction. From the perspective of Maqāṣid al-Sharīʿah, these practices contribute to the protection of life, wealth, and intergenerational welfare, although their institutional integration remains incomplete.ImplicationsThe findings show that green banking in Islamic banking should be understood as an evolving institutional process rather than a completed transformation. The study highlights the need for stronger environmental literacy, more consistent operational integration, and more effective regulatory and governance support.Originality/NoveltyThis study contributes to the literature by offering a branch-level analysis of green banking in Islamic banking and by using Maqāṣid al-Sharīʿah as the primary evaluative framework rather than treating it as a symbolic ethical reference.
Integrating fundamental and technical analysis with Maqāṣid al-Sharī‘ah in evaluating JII70 Sharia stock investment performance in Indonesia Jumarni, Jumarni; Ariska, Ayu; Kadir, Syahruddin
Journal of Islamic Economics Lariba Vol. 12 No. 2 (2026)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol12.iss2.art4

Abstract

IntroductionThe Islamic capital market in Indonesia has grown rapidly, marked by rising market capitalization, expanding investor participation, and increasing interest in sharia-compliant stocks listed in the Jakarta Islamic Index 70. Despite this progress, many investors still face difficulties in evaluating sharia stocks because investment decisions often rely either on financial fundamentals or short-term market sentiment. This condition creates a need for an integrated model that combines fundamental analysis, technical analysis, and maqāṣid al-sharī‘ah values, particularly wealth preservation.ObjectivesThis study aims to evaluate the investment performance of selected Jakarta Islamic Index 70 sharia stocks by integrating fundamental and technical analysis with the maqāṣid al-sharī‘ah principle of ḥifẓ al-māl. It also examines how financial ratios and market trendiness influence sharia stock price formation.MethodThis study used a descriptive mixed-methods approach based on secondary data from five selected sharia-compliant issuers: PT Aneka Tambang Tbk, PT Alamtri Resources Indonesia Tbk, PT Pertamina Geothermal Energy Tbk, PT Bumi Resources Minerals Tbk, and PT Telkom Indonesia (Persero) Tbk. Fundamental analysis was conducted using price earnings ratio, price to book value, return on equity, earnings per share, and debt to equity ratio. Technical analysis employed moving average, relative strength index, moving average convergence divergence, trading volume, and support-resistance indicators. The study also applied the Integrated Islamic Investment Framework and panel data regression using a fixed effects model.ResultsThe findings show that PT Aneka Tambang Tbk achieved the strongest fundamental score, followed by PT Alamtri Resources Indonesia Tbk and PT Telkom Indonesia (Persero) Tbk. In contrast, PT Bumi Resources Minerals Tbk ranked highest technically as a strong momentum stock. Regression results indicate that price to book value, earnings per share, and trading volume positively affect stock prices, while debt to equity ratio has a negative effect.ImplicationsThe study shows that sharia stock investment requires a balance between profitability, market timing, risk control, and ethical wealth preservation.Originality/NoveltyThis study contributes an integrated Islamic stock evaluation model that links fundamental strength, technical momentum, market trendiness, and maqāṣid al-sharī‘ah-based wealth preservation.
A comparative socio-legal and maqasid analysis of waṣiyyah wājibah in Islamic inheritance law in Indonesia and Malaysia Susanti, Neneng Desi; Arisman, Arisman; Kasnan, Kasnan; Mohd Ruslan, Ros Amira
Journal of Islamic Economics Lariba Vol. 12 No. 2 (2026)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol12.iss2.art10

Abstract

IntroductionIslamic inheritance law is widely recognized for its doctrinal clarity, yet contemporary social transformations have exposed gaps between classical rules and modern family realities. The concept of waṣiyyah wājibah (compulsory bequest) has emerged as a legal mechanism to address the exclusion of socially dependent individuals such as adopted children, orphaned grandchildren, and interfaith relatives. Despite its growing importance, comparative and integrative studies examining its application across different legal systems remain limited.ObjectivesThis study aims to analyze the concept and implementation of waṣiyyah wājibah in Indonesia and Malaysia through a comparative framework. It seeks to identify the legal, institutional, and socio-cultural factors shaping its application, and to evaluate its legitimacy and function using sociological and maqāṣid al-sharīʿah perspectives.MethodThe research adopts a qualitative, doctrinal–comparative approach based on the analysis of legal texts, statutory regulations, judicial decisions, and scholarly literature. It integrates normative legal analysis with socio-legal interpretation and purposive reasoning to examine how waṣiyyah wājibah operates within different institutional contexts.ResultsThe findings reveal that waṣiyyah wājibah functions as a flexible instrument of legal adaptation in both countries, though with distinct characteristics. Indonesia demonstrates a more expansive and jurisprudence-driven model, where courts extend the scope of compulsory bequests to address diverse social realities. Malaysia, by contrast, exhibits a more structured and decentralized approach, shaped by state enactments and procedural frameworks. In both systems, waṣiyyah wājibah remains bounded by doctrinal constraints and justified through principles of justice, welfare, and the objectives of Islamic law.ImplicationsThe study highlights the role of waṣiyyah wājibah in enhancing family welfare, reducing inheritance disputes, and promoting socially responsive legal outcomes. It also underscores the importance of institutional design and judicial reasoning in shaping the effectiveness of Islamic legal reform.Originality/NoveltyThis study offers an integrated comparative analysis that combines doctrinal, socio-legal, and maqāṣid-based perspectives. It contributes to the literature by demonstrating how Islamic inheritance law can adapt to contemporary challenges while maintaining its normative foundations.
Governance of Village-Owned Enterprises-Village Financial Institutions (BUMDesma-LKD) from a Sharia economic perspective: Analysis of institutional readiness Sujana, I Wayan; Ridzal, Nining Asniar
Journal of Islamic Economics Lariba Vol. 12 No. 2 (2026)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol12.iss2.art6

Abstract

IntroductionVillage-Owned Enterprises–Village Financial Institutions are expected to strengthen village economic independence, expand financial inclusion, and improve community welfare through the collective management of local resources. However, in Central Buton Regency, these institutions remain dependent on revolving funds, have limited business diversification, and face weaknesses in administration, transparency, financial reporting, and community participation. Sharia economic governance offers an alternative framework based on justice, accountability, transparency, sustainability, and public benefit; however, its implementation depends on adequate institutional readiness.ObjectivesThis study examines the institutional readiness of Village-Owned Enterprises (VOEs) and village financial institutions (VFIs) in Central Buton Regency to implement governance based on a Sharia economic perspective. It also formulates policy recommendations to support gradual, accountable, and sustainable institutional transformation.MethodThis study used a descriptive qualitative design. Primary data were collected through in-depth interviews, focus group discussions, triangulation, and open-ended questionnaires involving managers, supervisors, religious leaders, beneficiaries, local government representatives, and representatives of Islamic financial institutions. Secondary data were obtained from institutional regulations, administrative documents and financial reports. The data were analyzed using thematic analysis supported by qualitative data analysis software and a strengths, weaknesses, opportunities, and threats analysis.ResultsThe findings show that institutional readiness is partial and uneven. Values such as fairness, transparency, deliberation, and concern for beneficiaries are informally present, but formal Sharia governance mechanisms have not been established. Savings and loan activities still use interest-based arrangements, while sharia contracts, standard operating procedures, supervisory structures, and compliance systems are largely absent. Limited managerial knowledge and inadequate community education also prevent stakeholders from distinguishing Sharia-based governance from conventional practices. Nevertheless, strong religious and cultural acceptance and available institutional partnerships create favorable opportunities for transformation.ImplicationsThe transition toward Shariah-based governance requires coordinated reforms in regulation, managerial competence, supervision, financial administration, digitalization, business diversification, and community participation.Originality/NoveltyThis study contributes to the literature by integrating institutional theory with Sharia economic governance and treating Sharia transformation as a multidimensional readiness process rather than merely a change in financing contracts.
Carbon emission rebound in Indonesia’s post-pandemic recovery: Decoupling dynamics and Islamic economic perspectives on green policy Hastin, Mira; Putri , Osi Hayuni
Journal of Islamic Economics Lariba Vol. 12 No. 2 (2026)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol12.iss2.art5

Abstract

IntroductionThe COVID-19 pandemic temporarily weakened the relationship between economic growth and carbon emissions in many countries. In Indonesia, however, the sustainability of this decoupling remains uncertain because the post-pandemic recovery was shaped by fiscal expansion, commodity-driven trade surplus, and continued dependence on carbon-intensive sectors. This issue is especially important because Indonesia is simultaneously pursuing economic recovery, climate commitments, and sustainable development within a Muslim-majority context where Islamic economic ethics can enrich environmental policy analysis.ObjectivesThis study examines whether Indonesia’s post-pandemic economic recovery sustained the temporary decoupling of economic growth from carbon emissions observed in 2020 or instead produced a carbon-emission rebound. It also explores the associations between emission dynamics, government expenditure, and trade balance, while interpreting the findings through Islamic economic principles, including maqasid al-shariah, maslahah, mizan, khalifah, amanah, and the prevention of ecological harm.MethodThis study uses a longitudinal descriptive-diagnostic design based on annual Indonesian data from 2016 to 2024. The analysis combines trend analysis, Tapio decoupling elasticity, Spearman rank correlation, and a simple scale-intensity decomposition. Islamic economics is incorporated as a normative interpretive framework to assess the ethical and policy implications of carbon-intensive recovery.ResultsThe findings show that Indonesia’s pandemic-era decoupling was short-lived. Carbon dioxide emissions per capita declined in 2020 but increased continuously from 2021 to 2024, surpassing the pre-pandemic level. Tapio elasticity indicates a shift from recessive decoupling during the pandemic shock to expansive negative and strong negative decoupling during recovery. Exploratory correlations suggest that emission changes were more strongly associated with trade balance and government expenditure than with gross domestic product growth alone. The decomposition indicates that worsening carbon intensity contributed more to the emission rebound than scale effects.ImplicationsThe results imply that economic recovery without green conditionality can reinforce carbon-intensive development. Islamic economics strengthens this implication by emphasizing stewardship, public welfare, balance, justice, and harm prevention in fiscal and trade policy.Originality/NoveltyThis study contributes by linking Indonesia’s post-pandemic decoupling analysis with fiscal policy, trade dynamics, and Islamic economic ethics, offering a policy-oriented framework for maqasid-based green recovery.
Premarital education, socioeconomic conditions, and adolescent knowledge in shaping stunting perceptions among university students in Surakarta with Islamic economics perspectives Wibowo, Edi; Widajanti, Erni; Wulandari, Rina; Sari, Putri Oktovita; Mustofa, Akhmad
Journal of Islamic Economics Lariba Vol. 12 No. 2 (2026)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol12.iss2.art7

Abstract

IntroductionStunting prevention is often concentrated on pregnancy and early childhood, although nutritional knowledge, reproductive readiness, and socioeconomic conditions before marriage may influence the health of the family. University students represent an important population whose understanding and perceptions can support early prevention. Evidence integrating premarital education, family socioeconomic factors, adolescent knowledge, and stunting perceptions in an urban Indonesian setting remains limited.ObjectivesThis study examined the association between premarital education and family socioeconomic factors with university students’ knowledge and perceptions of stunting in Surakarta. It also evaluates whether adolescent knowledge mediates these relationships and interprets the findings from an Islamic economic perspective.MethodA quantitative cross-sectional explanatory design was applied to 136 undergraduate students aged 17–25 years from 11 public and private higher-education institutions in Surakarta. Participants were selected using purposive sampling. Data were collected using a structured questionnaire and analyzed using partial least squares structural equation modeling to assess the measurement model, direct relationships, and indirect effects.ResultsPremarital education was positively associated with stunting perceptions and was the strongest predictor of adolescents’ knowledge. Family socioeconomic factors were also positively associated with knowledge and perceptions. Adolescent knowledge positively predicted stunting perceptions and partially mediated the relationships between premarital education and perception, and between socioeconomic conditions and perception. The model explained 44.2% of the variance in adolescent knowledge and 55.5% of the variance in stunting perceptions. These findings indicate that educational exposure, family resources, and cognitive understanding jointly shape prevention-oriented perception.ImplicationsStunting prevention should begin before marriage and pregnancy through coordinated programs involving universities, community health centers, Offices of Religious Affairs, and community institutions. Educational initiatives should be combined with efforts to reduce unequal access to nutritional information, healthcare, and socioeconomic support. From an Islamic economic perspective, such interventions align with the protection of life, progeny, intellect and welfare.Originality/NoveltyThis study contributes an integrated mediation model focusing on university students as a preconception population and extends stunting research by linking behavioral, socioeconomic, and Islamic economic perspectives without claiming direct effects on stunting prevalence.
The role of Sharia financing product in improving company management at PT Mandiri Utama Finance Mattarima, Mattarima; Wijana, Moh. Arga; Suaeb, Muh. Irwan; Rusli, Muhammad; Ista, Akram; Kadir, Syahruddin
Journal of Islamic Economics Lariba Vol. 12 No. 2 (2026)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol12.iss2.art8

Abstract

IntroductionSharia financing (Rahn) has become an alternative to consumer financing in Indonesia. The implementation of Rahn financing at multifinance companies in South Sulawesi requires further study to understand its role in corporate management and strengthen the companies’ competitiveness.ObjectivesThis study examines the role of Sharia financing product (Rahn) for PT Mandiri Utama Finance South Sulawesi, focusing on the company’s implementation and operational management.MethodThis study employs a qualitative approach using a case study design at PT Mandiri Utama Finance South Sulawesi. Research data were collected through semi-structured interviews, field observations, and analysis of company documents. The analysis technique used a thematic analysis approach to identify patterns, experiences, and findings related to the implementation of Rahn financing at PT Mandiri Utama Finance South Sulawesi.ResultsThe Rahn product implemented by MUF South Sulawesi is in accordance with the DSN-MUI Fatwa. The Rahn contract application process requires collateral in the form of gold and identification, and the estimated value of the collateral is based on market prices. The Rahn product has enhanced the company’s operational management by driving business growth and increasing corporate profits through the acquisition of new customers, market share expansion, and organizational sustainability. This signifies the expansion of financial inclusion, particularly for segments of society requiring quick and easy access to financing without complex procedures, while also strengthening the company’s competitive position.ImplicationsThis study emphasizes the importance of product innovation and Sharia compliance in Sharia-based financing, such as in Rahn. However, challenges remain, including limited understanding among some customers regarding the Rahn financing mechanism, intense competition with conventional financing institutions, and limited human resources in the sector. Therefore, this study recommends that PT MUF strengthen its customer education strategy, enhance its human resource training, and develop digital service innovations to improve the company’s efficiency and competitiveness.Originality/NoveltyThis study provides insights into how Islamic financial products can serve as a new strategy for multifinance companies to balance innovation and tradition to strengthen management capabilities and drive sustainable growth. It offers new empirical contributions regarding how Rahn product are applied within the context of Islamic multifinance companies.
Liberating loan shark victims: The collaborative role of BAZNAS, Pesantren, and Cianjur Social Services in zakat-based rehabilitation Hadiyanto, Redi; Pusvisasari, Lina; Athoillah, Mohamad Anton
Journal of Islamic Economics Lariba Vol. 12 No. 2 (2026)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol12.iss2.art9

Abstract

IntroductionLoan shark predation traps financially vulnerable households in recurring debt, weakens family welfare, and undermines community stability. Conventional interventions often provide temporary debt relief without addressing the economic, legal, psychological, and spiritual conditions that cause victims to return to predatory lending. Productive zakat offers a potential instrument for social rehabilitation when combined with community trust, legal protection, and sustainable economic empowerment.ObjectivesThis study examines the collaborative roles of the National Zakat Agency of Cianjur, pesantren, and the Cianjur Social Service Agency in rehabilitating loan shark victims through zakat-based programs. It analyzes the division of institutional responsibilities, implementation mechanisms, synergistic interactions, program outcomes, and challenges affecting long-term sustainability.MethodThe study employed an emergent qualitative multiple-case design in Cugenang, Cipanas, Pacet, and Cikalong Kulon, Cianjur Regency, Indonesia. Data were collected over six months through semi-structured interviews, longitudinal field observations, and document analysis. The initial participants comprised twenty-four representatives of the National Zakat Agency, pesantren leaders and administrators, social-service personnel, and beneficiary household heads. Data were analyzed through abductive thematic analysis, constant comparison, maximum-variation sampling, and deviant-case analysis.ResultsThe findings reveal a four-stage rehabilitation process consisting of victim identification and verification, core intervention, mentoring and monitoring, and sustainability support. The National Zakat Agency provided productive zakat capital and Sharia financial education. Pesantren facilitated victim identification, religious counseling, spiritual commitment, and community trust. The Social Service Agency delivered legal mediation, administrative assistance, and access to social protection. Debt mediation succeeded in more than eighty percent of cases, while all beneficiaries-initiated microenterprises using productive assets. Participants also reported reduced anxiety, restored dignity, and stronger social belonging. However, approximately thirty percent of businesses stagnated after twelve to eighteen months.ImplicationsSustainable rehabilitation requires formal coordination, advanced business mentoring, long-term monitoring, and institutional mechanisms that reduce dependence on individual local leaders.Originality/NoveltyThis study introduces a community-embedded tripartite model that integrates productive zakat, religious authority, and government social protection. It expands zakat from consumptive assistance into a transformative instrument for debt liberation, economic independence, spiritual recovery, and social justice.

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