The purpose of this paper was to determine the factors that affect muzaki receive and use the platform to pay zakat. The method used in this research is a descriptive method with a quantitative approach to muzaki ever to its digital pay zakat institutions with a total of 100 respondents. The results show that the performance expectations, expectations of the business have a high influence on behavioral intentions muzaki in receiving and using the online zakat payment platform and condition of the facility, behavioral intentions have a high influence on the behavior of using muzaki in accepting and using the online zakat payment platform. This is caused by the belief muzaki against an online zakat payment platform that can pay zakat faster completion when compared to pay zakat offline and convenience perceived by muzaki when paying zakat using the online zakat payment platform. Of course, trust muzaki and ease of platform features online zakat payment can be a relevant factor in the platform online zakat payment made by the institution of zakat.
The efficiency and productivity of Zakat institution have widely discussed, it is an organization based on social which looks after economic disparities. Most recently, Indonesia made a standardization policy and system of zakat institution, so that the zakat institution in Indonesia can reach the same quality or higher rather than other countries. It called Zakat Core Principles. Therefore, this research will focus on the zakat institution in Indonesia and Malaysia. The purpose of this study is to measure and compare the efficiency and productivity using Data Envelopment Analysis (DEA) and Malmquist Productivity Index (MPI), which is a non-parametric and deterministic methodology for determining the relative efficiency and productivity. The result of this research shows, The first quadrant is the best efficient and productive institutions gained by zakat institution in Indonesia namely Sinergi Foundation and 3 zakat institutions in Malaysia namely Kedah, Melayu Perak, and Selangor. The second quadrant is highly productive but low efficient achieved by zakat institutions in Indonesia namely Baznas, RZ, Dompet Dhuafa and 1 zakat institution in Malaysia namely Jawhar. The third quadrant is high efficient but low productive didn’t achieve by any zakat institution in Indonesia or Malaysia. The fourth quadrant is low efficient and low productive reached by 1 zakat institution in Indonesia namely PKPU and 3 zakat institution in Malaysia namely Kelantan, PPZ and Pahang. The implication in this study is describing the position of zakat institution in Indonesia and Malaysia so that it is known which zakat institution could be a role model or benchmarking for other zakat institution.
One of the problem in the development of Baitul Maal Wat Tamwil is human capital. It was due to the lack of BMT practitioners who understand the principles of good business management and sariah at once. Therefore, BMT as an Islamic Microfinance Institution is considered to be less competitive compared to other Islamic financial institutions or operating system which is not in line with Sariah compliance. Human capital is defined as the knowledge, skills and experience of workers which can be contributed to the organization of the company / institution. Basic theory used is the General Theory of Human Capital and Human Capital in Islamic Perspectives. In Islamic Human Capital Development Theory, it urgues the improvement of education, skills and human being in Islamic theory which is more comprehensively in this regard, as it covers every aspect of development of a human being. The study was conducted to reveal the profile of human capital owned BMT and some of the factors that are considered to be a challenge in building employee performance of BMT. Empirical study of this research used Analytical Network Process. The amount of respondent consists of three experts (Cooperative ministry and Small and medium enterprises; Puskopsyah; Academician of UPI) and five practitioners (BMT El Dana Manfaat; BMT Itqan; BMT Dana Ukhuwah; BMT Baiturrahim; and BMT Daarut Tauhid). Respondent is expert and practitioners where in Bandung and the data collecting by interview. Based on the results of this research note that the motivation and the Islamic financial literacy BMT employee becomes a major problem. The best solution of this problem selected by the practitioner and the expert is an employee assistance BMT, the implementation of intensive training and selection process that regard between sharia knowledge and managerial skills. Therefore, this research is expected to improve the existence of BMT as Islamic Microfinance Institution for the welfare of the community.
Purpose The purpose of this paper is to investigate the socio-economic factors that will affect women’s empowerment from an Islamic perspective (the Tawhidi epistemological approach) and the impact of women’s empowerment on reducing family poverty. Design/methodology/approach Using a quantitative approach to see the relationship between research variables with structural equation model-partial least squares as the analysis tool. Findings In general, socio-economic variables had direct and indirect effects on reducing family poverty. In addition, the variable of women’s empowerment in an Islamic perspective can strengthen the influence of socio-economic variables on the alleviation of family poverty. Research limitations/implications The limitation of this research lies in the use of religiosity as an indicator with some constraints and the inclusion of all the necessary dimensions of a Muslim family. Additionally, because of the scope of the present research, the results may not be applicable in different areas, especially countries with distinctive characteristics such as having Muslims as the major population. On the other hand, the results of this research may provide comprehensive indicators of empowered Muslim women which enable the correlation between the socio-economic factors and women’s empowerment and how women’s empowerment can contribute to the alleviation of family poverty from the perspective of Islam. Originality/value This research provides new insights into the variable of women’s empowerment measured using the Islamic paradigm (Tawhidi epistemology) and includes religiosity as a variable that directly and indirectly influences the reduction of family poverty.
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