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Angga Syahputra
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Journal on Islamic Economics, Finance, and Banking (Z-CONOMICS)
Published by Penerbit Az-Zahra Media Society
ISSN : -     EISSN : 31097626     DOI : -
Core Subject : Religion, Economy,
Religion Economics, Econometrics & Finance
Journal on Islamic Economics, Finance, and Banking (Z-CONOMICS) is an open access peer-reviewed academic journal dedicated to advancing research and scholarship in the fields of Islamic economics, Islamic finance, and sharia-compliant banking systems. The journal serves as a platform for critical discourse, empirical studies, and theoretical reflections rooted in the principles of Islamic law (shariah) and ethical financial practices. The journal aims to bridge classical Islamic economic thought with contemporary financial systems, offering insights on sustainable development, ethical investment, zakat, waqf, Islamic microfinance, Islamic banking instruments, fintech in Islamic finance, and regulatory frameworks aligned with Islamic jurisprudence. Published four times a year, the journal invites contributions from academics, practitioners, researchers, policy makers, and students from around the world. Submitted articles will go through a rigorous peer-review process to ensure academic excellence, originality, and relevance.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 13 Documents
 1   2 
THE INFLUENCE OF BUSINESS CAPITAL FINANCING ON THE IMPROVEMENT OF CUSTOMER BUSINESSES AT KSPPS BMT NU EAST JAVA ON THE MADURESE COMMUNITY Nashar; Addainuri, Muhammad Isbad
Journal on Islamic Economics, Finance & Banking [Z-CONOMICS] Vol. 1 No. 3 (2025): Journal on Islamic Economics, Finance & Banking [Z-CONOMICS]
Publisher : Az-Zahra Media Society

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Abstract

Sharia Financing Savings and Loan Cooperative BMT NU East Java is a bank that operates according to sharia principles. One of the most important differentiators that a sharia bank must have is a strategy to retain customers who take out loans through excellent service, assistance and education, and emotional relationships. Based on observations, there is a unique aspect to the business capital financing of the Sharia BMT NU East Java Savings and Loan Cooperative. The purpose of this study is to determine and analyze the effect of business capital financing on the growth of customer businesses at KSPP. Sharia BMT NU East Java, as well as to obtain empirical data on whether or not business capital financing has an effect on the growth of customer businesses at KSPP. Syariah BMT NU East Java. This research uses a quantitative approach with simple linear regression analysis techniques using the SPSS 20 analysis tool. Meanwhile, hypothesis testing uses t-test calculations. The population in this study consisted of 35 customers. The sample used a saturated sample or census. The data collection technique used a questionnaire (survey). The results show that: first, with the t-test, the business capital financing variable shows 0.000, which is smaller than a (0.000 < 0.05). The t-count value is > t-table (7.909 > 1.68957). This means that business capital financing has a significant effect on business growth. Second, the R Square value obtained is 0.655 or 65.5%. This means that 65.5% of the regression model in this study explains the dependent variable (Business Growth), while the remaining 34.5% is influenced by variables not taken into account in the study.
THE IMPACT OF LAZISMU DIY'S PRODUCTIVE ZAKAT ON POVERTY REDUCTION IN YOGYAKARTA Sutrisno; Mukhlis Rahmanto
Journal on Islamic Economics, Finance & Banking [Z-CONOMICS] Vol. 1 No. 3 (2025): Journal on Islamic Economics, Finance & Banking [Z-CONOMICS]
Publisher : Az-Zahra Media Society

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Abstract

This study examines the implementation of the productive zakat program by the LAZISMU DIY zakat institution in Yogyakarta, as well as the impacts and obstacles encountered in its implementation. A qualitative approach was used by interviewing three zakat administrators and five zakat recipients to support the community through programs that include food carts, capital provision, and economic empowerment of grocery stores and traditional snacks. LAZISMU Yogyakarta has created a poverty alleviation program and sustainable assistance through several economic empowerment programs. The results of the study concluded that the programs implemented by LAZISMU have a positive impact on improving the welfare of poor recipients of productive zakat assistance with four main poverty alleviation programs. In general, the average increase in income after receiving productive zakat funds from LAZISMU DIY. There are challenges faced by mustahik, namely limited resources in managing their businesses. This study recommends the need for increased guidance for mustahik in business management by involving experienced professionals and collaborating with new muzakki to optimize funding for sustainable poverty alleviation programs.
MUZAKKI PERCEPTION OF ISLAMIC STATE EXPENDITURE: AN INTERPRETIVE ANALYSIS OF JUSTICE AND POVERTY ALLEVIATION EFFECTIVENESS IN BONE REGENCY Nur Fadilla Azis; Herianti
Journal on Islamic Economics, Finance & Banking [Z-CONOMICS] Vol. 1 No. 3 (2025): Journal on Islamic Economics, Finance & Banking [Z-CONOMICS]
Publisher : Az-Zahra Media Society

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Abstract

This research analyzes the perception of Muzakki (Zakat payers) regarding Islamic local expenditure in Bone Regency, focusing on distributive justice and its effectiveness in poverty alleviation. Zakat, Infaq, and Sadaqah (ZIS) instruments are crucial for regional socio-economic development, but Muzakki’s perception of the management of these funds significantly affects the social legitimacy and sustainability of Islamic fiscal programs. The analysis employs a qualitative documentary approach, reviewing regulations on Islamic local expenditure, BAZNAS (National Zakat Agency) Bone Regency reports, and Islamic economic literature.The results indicate that although BAZNAS Bone has enhanced transparency and accountability through report publications and a digital system, the aid distribution is not yet fully equitable, especially in remote rural areas. The effectiveness of Islamic local expenditure is considered limited because aid and empowerment programs are temporary, lacking sustainable impact. Furthermore, the integration of ZIS with local expenditure is not yet optimal. Based on these findings, improvement strategies are recommended, including: increasing transparency, integrating ZIS with government programs, developing sustainable empowerment programs for Mustahik (Zakat recipients), and providing adequate information to build Muzakki trust. This study confirms that Muzakki perception is a critical indicator for measuring the social legitimacy and effectiveness of Islamic fiscal policy at the local level.

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