Distribution and utilization are core activities of zakah management. It must be considered that Ameel zakah institutions' success is not merely founded on their capability to collect zakah fund, but also their ability to distribute and utilize it.This research is aimed at understanding impact of ZIS (zakah, infaq and sadaqa) distribution and Islamic Financial Institutions role on distributing their funds in East Java to Micro, Small and Medium Enterprises (MSMEs) and Gross Regional Product (GRP) of East Java. This research is conducted by using secondary data from the quarterly report in 2011-2014 periods and also using quantitative approach through Partial Least Square (PLS) analysis method. The results of this study show that the distribution of ZIS funds has a significant negative effect on MSME growth and an insignificant positive effect on GDRP growth in East Java. The distribution of IFI funds has a significant positive effect on MSME growth and GDRP growth in East Java. The Growth in the number of IRB units has an insignificant positive effect on GRDP growth at the 5% T-table significance = 1.96. The dominant contribution of IFI on the GRDP should be maintained and Zakat Institutions have to improve performance in the ZIS funds management, so that it can contribute more maximally to the economy of East Java in the future. MSME should utilize the available funds of Zakat IFI to support their capital that will increase their productivity and output, thus increasing the GDRP of East Java.
Generation Z is the future generation with technology familiarity and is a trendsetter in financial technology. This study aimed to compare (similarities and differences) perceptions of Generation Z Muslims in Indonesia and Malaysia in paying Zakat, Infaq, and Sadaqah (ZIS). This study uses a qualitative approach with phenomenological methods through focus group discussions. This method was chosen because it allows substantial interaction between participants to compare objects more boldly. Initially, there were 43 Generation Z students from Indonesia and 25 Generation Z students from Malaysia. The total reduction of participants was carried out to find the most relevant and appropriate participants by determining the criteria for having paid ZIS using financial technology (Fintech) at least once. With 10 participants from each country from the final narrowing results, two stages of Focus Group Discussion were carried out. The findings show the similarity of perceptions of awareness of use, including the need and importance of usage benefits. The similarity of perceptions regarding reputation was also found in professionalism and reliability. In contrast, similar perceptions of satisfaction occurred in aspects of multifunction and usability. In addition, differences were found in the perception of data security. There are still suspicions about data security among Indonesian participants. No studies directly compare Generation Z Muslims in the two countries that pay ZIS through Fintech. This study confirms that it is essential to increase the security of personal data when using fintech. Then there is a feeling of security and comfort for Generation Z who donated ZIS.
<p>Penelitian membahas peran komunitas bisnis Syariah dalam mengembangkan bisnis Syariah di Tengah Pandemi Covid-19. Tujuan dari penelitian ini adalah untuk mengetahui dan menjelaskan strategi komunitas dalam mengembangkan bisnis syariah dan mempertahankan nilai-nilai syariah dalam bermuamalah selama Pandemi Covid-19. Dengan subjek penelitian menggunakan sebelas responden yang terdiri dari pendiri, pengurus dan anggota komunitas pengusaha muslim di Wilayah Yogyakarta. Peneliti menggunakan jenis penelitian kualitatif dan pendekatan yang digunakan adalah metode penelitian kasus (<em>case study</em>), penelitian yang mendalam tentang individu, kelompok, institusi dan sebagainya dalam waktu tertentu. Pengumpulan data dengan cara mewawancarai pengurus dan anggota komunitas serta mengumpulkan dokumen-dokumen literatur tentang mempertahankan bisnis syariah di tengah Pandemi. Berdasarkan penelitian ini menunjukkan bahwa komunitas Jogja Muslimah Preneur (JMP) memberikan peran dalam bentuk pemberian fasilitas berupa kegiatan-kegiatan dan <em>event-event </em>yang berguna untuk menambah wawasan, meningkatkan kemampuan daya saing, dan melihat peluang dari sudut pandang yang berbeda. Komunitas juga berperan mempertahankan nilai-nilai syariah yang harus dijaga dalam berbisnis meskipun dalam keadaan sulit seperti pandemi Covid-19 saat ini. Dengan segala keterbatasan penelitian yang dihadapi, pelajaran penting dari penelitian ini dapat digunakan sebagai referensi untuk wilayah lain yang ingin mendirikan komunitas pengusaha muslimah dengan tetap mempertahankan nilai-nilai syariah yang sebenarnya.</p><p><strong><br /></strong><em></em></p>
<p><em>People have lost their jobs as a result of the Covid-19 pandemic, and many people are now living in poverty. Zakat is one of the Islamic pillars concerned with poverty reduction, particularly in the form of productive disbursement. The purpose of this research is to identify and assess the mechanisms and contributions of productive zakat to economic empowerment mustahik during the covid-19 pandemics. Zakat for productive purposes is wealth that enables the recipient to continuously create creativity using zakat funds. This study conducted in-depth interviews with three Zakat institution staff and seven mustahik who live in a low-income society and are economically impacted by covid-19. This study used the descriptive method, with data retrieval in this study using the interview method, followed by data analysis in the form of data reduction, data presentation, and conclusions. According to the findings of this study, there are still a limited number of Human Resources available for mustahik coaching and supervision at LAZISMU Pemalang. This paper discovered that not all mustahik use 100 percent of productive zakat funds to develop the business as hoped, but instead meet basic needs. Mustahik primarily requires more fulfillment with short-term benefits in order to sustain their lives. </em></p>
The community of Islamic economic activists in Surakarta and surrounding areas is committed to advancing the sharia economy. They form a community to carry out discussions and outreach studies to increase Islamic economic literacy. Financial literacy in general or mainly in Islamic economics is still very low in Indonesian society, so it requires significant efforts to increase literacy through outreach activities. Murabahah contract is the most common contract widely used in Islamic economic activities by Islamic financial institutions, banking, and microfinance. This outreach activity aims to increase the knowledge of the community of Islamic economic activists in Surakarta and its surroundings regarding the study of the fatwa on murabahah contracts and current issues related to one of the muamalah contracts. Contract problems and disputes that occur in the relationship of Islamic financial institutions with customers or customers are also dominated by Murabahah contracts. Murabahah contract is also a contract with a nominal amount of transactions large enough to take the form of a sharia financing syndicate with a Murabahah contract. This counseling activity suggests that every party involved in a murabahah contract is obliged and needs to uphold what has been contracted.
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