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Muhammad Fauzinudin Faiz
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Journal of Islamic economics Perspectives (JIEP)
Published by Universitas Islam Negeri Kiai Haji Achmad Siddiq Jember
ISSN : 2085627X     EISSN : 27150445     DOI : 10.35719/jiep
Core Subject : Religion, Economy, Education, Social,
Religion Economics, Econometrics & Finance Education Social Sciences
The Journal of Islamic Economic Perspectives, or JIEP, is a publication released biannually in February and September. It is published by the JIEP Research Centre, which is part of the Faculty of Islamic Economics and Business at the State Islamic University of Kiai Haji Achmad Siddiq Jember in Indonesia. The journal has been circulating since 2019, starting with its first edition. The JIEP primarily emphasizes the fields of Islam, economics, and finance. This publication examines explicitly the crucial aspects of integrating Islamic law with the fields of economics and finance. It is a vital resource for pioneering research and analysis in several specialized fields, such as Islamic economic law, Islamic banking, Islamic marketing, Islamic human resources, and Islamic finance. The magazine covers various topics, including Zakah, Waqf, measures for reducing poverty, Islamic public finance, monetary economics, economic growth, and the concepts of Maqasid al-Shariah. The subject matter of this study includes institutional economics, Islamic management, behavioural economics and finance, corporate governance, risk management, and Shariah-compliant financial matters.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 123 Documents
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Hybrid Marketing Strategy for Optimizing Zakat, Infaq, and Sadaqah Collection: A Maqashid Shariah-Based Case Study in Jember Regency, Indonesia M.F. Hidayatullah; Muchammad Abdur Rochman; Mahsyurotun Ni’mah
Journal of Islamic Economics Perspectives Vol. 7 (2025): Journal of Islamic Economics Perspectives - Special Issue
Publisher : Faculty of Islamic Economics and Business, State Islamic University of  Kiai Haji Achmad Siddiq Jember, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35719/jr07zy36

Abstract

This study develops a hybrid marketing strategy to optimize the collection and distribution of zakat, infaq, and sedekah (ZIS) in Jember Regency, Indonesia. Despite increasing awareness of Islamic philanthropy, the potential of ZIS remains largely untapped, especially in semi-urban areas. This study contextualizes ZIS marketing within the Maqashid Syariah framework, emphasizing economic efficiency as well as ethical and spiritual dimensions. Using a qualitative case study approach with in-depth interviews, findings suggest that successful ZIS fundraising requires alignment with donor values, segmentation based on age and religiosity, and integration of digital platforms (social media, fintech applications) with offline strategies (lecture-based campaigns, community events). This study proposes a Maqashid-Based Hybrid Marketing Model that combines five elements: (1) targeted digital engagement, (2) offline trust-building mechanisms, (3) donor journey mapping for Gen Z and Millennials, (4) transparency-based ethical branding, and (5) value-based campaign themes. The novelty of this study lies in the integration of Maqashid Syariah principles into the Islamic philanthropic marketing framework, the adaptation of hybrid strategies in Indonesia's semi-urban environment, and the donor-centric model. This study contributes to the discourse of Islamic social finance by offering a scalable strategy to increase ZIS collection
Integrating Fitrah Psychotherapy into Accounting 5.0: A Rahmatan lil Alamin Approach to Islamic Boarding School Finance Behavior Prasetyo, Whedy
Journal of Islamic Economics Perspectives Vol. 7 (2025): Journal of Islamic Economics Perspectives - Special Issue
Publisher : Faculty of Islamic Economics and Business, State Islamic University of  Kiai Haji Achmad Siddiq Jember, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35719/645zct94

Abstract

This study investigates how Fitrah Psychotherapy can be integrated into Accounting 5.0 to strengthen the ethical and spiritual dimensions of financial reporting in Islamic boarding schools (pesantren). The main question addressed is how fitrah-based awareness comprising intellectual, emotional, spiritual, and self-conscious dimensions can serve as a foundation for developing accounting practices aligned with rahmatan lil alamin values. The background of this issue lies in the growing challenge of balancing digital transformation with moral responsibility in the Society 5.0 era. Positioned as a conceptual and philosophical inquiry, this research draws upon Islamic psychological and accounting education perspectives to construct a model of fitrah-based financial behavior accountability. The discussion employs a qualitative reflective approach to reinterpret accounting not merely as a technical discipline, but as a psychospiritual process that harmonizes technological capability with ethical consciousness. The findings reveal that integrating fitrah psychotherapy into accounting 5.0 fosters metacompetence and multiskill learning, enabling pesantren communities to adapt technological innovations while maintaining spiritual integrity. The study concludes that fitrah-driven behavior accounting promotes human-centered financial reporting, transforming digital finance behavior education into a moral practice that contributes to inclusive and sustainable development grounded in rahmatan lil alamin.
Analysis of te Effect of Human Resources on Company Performance in Baznas Jember Ahmad faizal; Arodha, Dianidza; Afandi, Akhmad
Journal of Islamic Economics Perspectives Vol. 1 No. 2 (2020): February (2020) Journal of Islamic Economics Perspectives
Publisher : Faculty of Islamic Economics and Business, State Islamic University of  Kiai Haji Achmad Siddiq Jember, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35719/jiep.v4i2.49

Abstract

Indonesia is a country where the majority of the population is Muslim and is the country with the largest Muslim population in the world, with a percentage of 87.2% of Indonesia's population, which amounts to around 271.066 million in 2020, with a large number of Muslim population in Indonesia making it easier to minimize or eradicate the number of poverty in Indonesia through programs carried out by the National Amil Zakat Agency (BAZNAS). This research is a quantitative explanatory research using Multiple Linear Regression which was developed with Path Analysis and Trimming Theory. Hypothesis testing with the help of software (SPSS) version 22. The results of the analysis show that human resource variables have no significant effect on company performance, with (Standardized Coefficients) 0.082 (8.20%) positive.
Determinants Of Islamic Insurance Purchase Intention Among Generation Z In Surakarta: An Extended Theory Of Planned Behavior Approach Saputra, Muhammad Mario Febrian; Arfiansyah, Mufti Arief
Journal of Islamic Economics Perspectives Vol. 8 No. 1 (2026): Journal of Islamic Economics Perspectives
Publisher : Faculty of Islamic Economics and Business, State Islamic University of  Kiai Haji Achmad Siddiq Jember, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35719/5ajs4v91

Abstract

This study examines the determinants of Generation Z’s purchase intention toward Islamic insurance in Surakarta City using an extended Theory of Planned Behavior (TPB) framework. Despite the positive growth of the Islamic insurance industry in Indonesia, the level of insurance literacy and public participation remains relatively low, particularly among young generations. This condition is further exacerbated by negative risk perceptions and declining public trust due to several insurance failure cases. Positioning itself within behavioral finance and Islamic economics literature, this study integrates Islamic insurance literacy, perceived risk, social environment, and trust as explanatory variables influencing purchase intention. Employing a quantitative explanatory research design, data were collected from 100 Generation Z respondents in Surakarta City using a structured questionnaire and analyzed through multiple linear regression with SPSS. The results indicate that Islamic insurance literacy, social environment, and trust have a positive and significant effect on purchase intention, while perceived risk has a negative and significant effect. Trust emerges as the most influential factor in shaping purchase intention. These findings highlight the importance of strengthening literacy programs, improving institutional credibility, and managing risk perceptions to enhance Generation Z’s engagement with Islamic insurance products. This study contributes empirically by offering an integrated behavioral model that explains Islamic insurance purchase intention among Generation Z in a local Indonesian context.
Model of Empowering Muslim Minority Communities Through Productive Zakat: A Case Study of Baznas North Sumatra Muzanni Tarigan, Farhan Khairi; Nasution, Juliana
Journal of Islamic Economics Perspectives Vol. 8 No. 1 (2026): Journal of Islamic Economics Perspectives
Publisher : Faculty of Islamic Economics and Business, State Islamic University of  Kiai Haji Achmad Siddiq Jember, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35719/k80ney82

Abstract

Productive zakat has increasingly been positioned as a strategic instrument for sustainable socio-economic transformation, particularly within vulnerable and marginalized communities. Situated within the discourse of environmental sustainability and moral Islamic economics, this study examines the empowerment model of Muslim minority communities implemented by BAZNAS North Sumatra. Using a qualitative document-based approach, the research analyzes institutional reports, regulatory frameworks, and scholarly literature to explore how productive zakat mechanisms contribute to long-term welfare improvement. The findings indicate that productive zakat functions not merely as a redistributive financial tool but as a moral-economic intervention fostering economic resilience, social cohesion, and sustainable livelihood strategies. The study highlights that empowerment outcomes are shaped by the systemic integration of economic, educational, social, and spiritual dimensions, reinforcing ethical agency and value-driven development. By linking Islamic social finance with sustainability-oriented frameworks, this research contributes to emerging debates on moral economic governance and sustainable community development across diverse Muslim socio-economic contexts.
The Paradox of High Transaction Costs in Islamic Banks: Indonesian Regulations and Policies Sukardi, Budi
Journal of Islamic Economics Perspectives Vol. 8 No. 1 (2026): Journal of Islamic Economics Perspectives
Publisher : Faculty of Islamic Economics and Business, State Islamic University of  Kiai Haji Achmad Siddiq Jember, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35719/j1zs9t71

Abstract

Despite functioning on ideals of fairness and risk-sharing, Indonesian Islamic banks suffer a paradox: high transaction costs. This problem stems from operational inefficiencies, as seen by high BOPO and OER ratios, regulatory fragmentation within the dual banking system, and coordination difficulties among supervisory bodies. Previous studies have focused on the financial performance factor in a limited way but have yet to combine regulatory policy analysis with operational efficiency within a complete framework. The purpose of this research is to examine the influence of regulatory inconsistencies and banking policies on the high transaction costs of Indonesian Islamic banks using a descriptive qualitative technique and a literature review. The findings indicate that the BOPO ratio, which ranges from 89.37% to 94.16%, is the primary cause of the high transaction costs, which are exacerbated by overlapping supervision between the Sharia Supervisory Board, the Bank's Sharia Compliance Directorate, and the Financial Services Authority, resulting in inefficiencies and legal risks. This study helps improve the understanding of how to make Islamic banking more efficient by highlighting the need for better regulations, stronger Sharia governance, and including Maqashid Sharia principles in policies to lower transaction costs and boost the competitiveness of Indonesian Islamic banks.
Meaningful Work in Digital Labour: A Qualitative Case Study of Live Streaming Hosts in Indonesia Nurlita, Nava; Arifianto, Chandra
Journal of Islamic Economics Perspectives Vol. 8 No. 1 (2026): Journal of Islamic Economics Perspectives
Publisher : Faculty of Islamic Economics and Business, State Islamic University of  Kiai Haji Achmad Siddiq Jember, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35719/wn835e88

Abstract

The rapid development of the digital workforce in e-commerce has transformed the characteristics of work, including the role of live streaming hosts. However, empirical studies on how these workers interpret their work are still limited, particularly in the context of MSMEs in Indonesia. This study aims to explore how live streaming hosts interpret their work, how this work shapes personal meaning, and how this work generates social contributions using the Work and Meaning Inventory (WAMI). This study uses a qualitative approach with a case study design at Babayaga Online Store in Tangerang City. Data were obtained through in-depth interviews with three hosts and one business owner, supported by observation and documentation, and then analyzed thematically. The results show that the hosts interpret their work not only as a source of income, but also as a means of self-development, increasing self-confidence, and a space for self-expression. The three dimensions of work meaningfulness identified include positive meaning from interactions with audiences, meaning formation through developing communication skills and empathy, and motivation to benefit consumers and business aspirations. This study extends the application of WAMI to the context of the digital workforce in Indonesian MSMEs and emphasizes the importance of a work environment that supports the personal growth of digital workers.
Determinants of Zakat Contribution Amounts: Evidence from Muzakki at Daarut Tauhiid (DT) Peduli Cirebon Nadila Sari, Dini; Syaeful Bakhri; Nursyamsudin
Journal of Islamic Economics Perspectives Vol. 8 No. 1 (2026): Journal of Islamic Economics Perspectives
Publisher : Faculty of Islamic Economics and Business, State Islamic University of  Kiai Haji Achmad Siddiq Jember, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35719/rxqs1k57

Abstract

This study aims to analyze the influence of socio-economic characteristics on the amount of zakat paid by muzakki (Zakkah Payers) in Daarut Tauhiid (DT) Peduli. Zakat is not only a form of spiritual worship, but also serves as a tool to reduce social inequality and improve community welfare. In Indonesia, although the potential for zakat from income and services is quite large, its realization is still relatively low. Socio-economic characteristics such as education, occupation, income, and number of dependents influence the amount of zakat paid, so understanding these factors is important for zakat management institutions to design effective and targeted collection and distribution strategies. The study used a quantitative method with a survey approach. The study population consisted of 136 zakat payers, with a sample of 60 people selected through purposive sampling using the Slovin formula. Data were obtained through questionnaires and analyzed using multiple linear regression, partial t-test, simultaneous F-test, and coefficient of determination. The results showed that education, occupation, and income had a significant effect on the amount of zakat paid, but the number of breadwinners did not have a significant effect. Simultaneously, socioeconomic characteristics had a positive and significant effect, confirming that the combination of education, occupation, and income determines the amount of zakat paid by zakat payers. This finding demonstrates the importance of considering the socio-economic characteristics of zakat payers to achieve success in zakat management and its impact on societal welfare.
Public Fund Misappropriation and Fiscal Non-Compliance: Tax and Zakat Evidence from Indonesia Azzahra, Fathin; Rina Desiana; Ella Annissa; Rizki Mulia Nanda
Journal of Islamic Economics Perspectives Vol. 8 No. 1 (2026): Journal of Islamic Economics Perspectives
Publisher : Faculty of Islamic Economics and Business, State Islamic University of  Kiai Haji Achmad Siddiq Jember, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35719/153g1b74

Abstract

Public fund misappropriation poses a systemic threat that not only drains state finances but also erodes public trust in both conventional and Islamic fiscal institutions. This study aims to descriptively and qualitatively analyze the impact of corruption and public fund misappropriation—particularly of tax and zakat funds—on taxpayer compliance, muzakki compliance, and Indonesia’s economic growth, with enhanced analysis from an Islamic economic perspective grounded in maq??id al-shar??ah. Using secondary data from Indonesia Corruption Watch (ICW), Transparency International, the Directorate General of Taxes (DJP), and BAZNAS for the 2010–2024 period, the findings reveal four main conclusions: (1) potential state losses from corruption—as recorded by ICW—escalated from IDR 3.7 trillion (2010) to IDR 279.9 trillion (2024); (2) cases of tax and zakat fund misappropriation significantly weaken tax morale and muzakki compliance; (3) zakat misappropriation violates all dimensions of maq??id al-shar??ah, from ?if? al-m?l to ?if? al-nasl; and (4) institutional reforms grounded in transparency, digitalization, and Islamic fiscal synergy are key instruments for restoring public trust. The study implies the need for synergy between tax reform, zakat governance, and consistent law enforcement as a holistic strategy for equitable and sustainable economic growth.
Digitalization and Transparency of Waqf Lands Certification: A Strategy to Enhance Public Trust from an Islamic Ethical Perspective Maghfiroh, Siti; Dwi Puspitasari; Lydiawaty binti Hassan Busry
Journal of Islamic Economics Perspectives Vol. 8 No. 1 (2026): Journal of Islamic Economics Perspectives
Publisher : Faculty of Islamic Economics and Business, State Islamic University of  Kiai Haji Achmad Siddiq Jember, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35719/svtrnj58

Abstract

Digitalization and transparency have become central issues in modern waqf management. Limited access to clear information on waqf certification and asset management often creates public doubt and weakens institutional trust. This study examines how digitalization and transparency enhance the credibility of waqf certification while being reinforced by Islamic ethical principles. Using a qualitative literature review approach, this research analyzes scholarly works on waqf digitalization, certification systems, and Islamic ethics. The findings show that digital technologies such as centralized digital records, online reporting platforms, real-time tracking systems, and blockchain-based registration can improve accountability, reduce administrative errors, prevent data manipulation, and strengthen public trust. Practically, this study offers a governance-based framework applicable to waqf institutions and regulators, including integrated certification databases, transparent financial dashboards, and technology-based audit mechanisms to ensure legal certainty and institutional credibility. The originality of this research lies in its integrative perspective: it connects digital governance mechanisms with Islamic ethical values. Unlike prior studies that focus mainly on technological or financial aspects, this study positions justice (?adl), honesty (sidq), and transparency (shafaafiyyah) as normative foundations for building a credible, accountable, and ethically grounded waqf certification system.

Page 12 of 13 | Total Record : 123

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