Is Loan Shark an Alternative? The Intentions to Take a Loan from Loan Sharks in Indonesia

Abstract Objective - This study was conducted to determine the level of muzakki decision in paying zakat maal. Method - This research uses quantitative research. The population in this study was muzakki Baitul Mal Aceh Tamiang Regency, and the technique used in sampling was Non-Probability Sampling. The sample in this study amounted to 88 samples. The types of data used in this study used primary and secondary data. The analysis techniques used are data quality test, classical assumption test, multiple linear regression analysis, and hypothesis testing using the SPSS version 16 program. Findings - The results showed that simultaneously the variables of Religiosity, knowledge, and Income positively and significantly affected the behavior of paying mal zakat. Partially the religiosity variable had a positive and significant effect on the behavior of paying mal zakat, knowledge had a positive and significant effect on the behavior of paying mal zakat, and the income variable had a positive and significant effect on the behavior of paying mal zakat. The percentage of influence of Religiosity, knowledge, and income variables on the behavior of muzakki in paying zakat mal together is 59.2%. Limitations - This research is considered a cause-and-effect with a single observation object. Practical Implications - This research shows the need for additional research variables so that the decision of muzakki to pay maal Zakat in Baitul Mal Aceh Tamiang Regency can increase higher to increase the collection of zakat funds in Baitul Mal Aceh Tamiang Regency to maximize future distribution programs so that they can be distributed evenly and relatively to all people in Aceh Tamiang Regency.

Section: Hypothesis Testsupporting

confidence: 88%

The influence of religiosity, knowledge, and income on the decision of muzakki to pay zakat mal in Baitul Mal Aceh Tamiang

Syahri Ramayani,

Muhammad Uzair Zulkifly

2023

“…The naming of zakat is not because it produces fertility for wealth, but because it purifies society and nourishes it. Zakat is a manifestation of mutual cooperation between the rich and the poor (N. H. Safwan Kamal, 2022). Zakat expenditure is a protection for the community from social disasters, namely poverty, physical and mental weakness.…”

Section: Professional Zakat Definition Of Professional Zakatmentioning

confidence: 99%

“…The practice of professional zakat has been widely practiced in Muslim countries (Kamal, 2016), even some previous studies explain the role of professional zakat which has great value and wisdom such as increasing wealth, increasing piety, protecting oneself from calamities and so on (N. H. Safwan Kamal, 2022) (Kamal, 2018;S. K. Safwan Kamal, 2017).…”

Section: Professional Zakat Definition Of Professional Zakatmentioning

confidence: 99%

Professional zakat fund collection strategies for private employees in Baitul Mal Aceh Tamiang

Ayumi¹,

Muslem

Sumarni³

2022

Objectives – This study aims (1) to determine the strategy in collecting professional zakat funds carried out by Baitul Mal Aceh Tamiang, (2) to determine the implementation of professional zakat fund collection carried out by Baitul Mal Aceh Tamiang Method – The type of research used in this study was descriptive qualitative with a normative-juridical approach, with data collection techniques namely observation, interviews and documentation. Research Results – The results of this study indicate that: (1) the strategy of Baitul Mal Aceh Tamiang in collecting professional zakat funds for private employees in their environment has been carried out properly, namely by providing zakat education for proppective muzzaki (persons who pay zakat), (2) implementation carried out by Baitul Mal, namely by forming a special zakat collection unit for private employees to make it easier for muzakki to pay their zakat obligations. Limitations – This study has limitations in terms of the relatively small number of research subjects, then the research subjects are people who consistently pay professional zakat. Practical Implications – As a practical implication, the results of this study can be used as a reference by the government, especially zakat institutions in encouraging professional zakat fund collection strategies that are in accordance with the behavior of the community in paying professional zakat.

“…Service is an activity or a series of activities that are invisible (cannot be touched) that occur as a result of interactions between consumers and employees or other things provided by service providers that are intended to solve consumer or customer problems. (Ahmad Rafiq, 2004) The Islamic concept teaches that in providing services from businesses that are run, whether in the form of goods or services, do not give bad or not quality, but quality ones to others (KAMAL, 2022). In doing business, it is based on two main things, namely a trustworthy and reliable personality, as well as good knowledge and skills.…”

Section: Servicementioning

confidence: 99%

The Effect Of Service and Trust on Muzakki satisfaction at Baitul Mal, Aceh Tamiang Regency

Deni

Apriliani

2022

Purpose – This study aims to determine whether service and trust affect the satisfaction of muzakki at Baitul Mal, Aceh Tamiang Regency, either partially or simultaneously. Method – In this study, the data used are primary and secondary data using questionnaire, interview, and observation methods. The technique used for sampling in this study is purposive sampling, which is done by taking people who are properly selected by the researcher according to the specific characteristics possessed by the sample. Based on the random conducted, the researchers took a sample in Kuala Simpang District. Then the data analysis techniques used in this research are validity test, reliability test, classical assumption test and multiple regression analysis. Research Results - The results of this study obtained the effect of service on muzakki satisfaction at Baitul Mal showing a t value of 4.183 with a sig value of 0.000 <0.05, this means that service partially has a significant positive effect on muzakki satisfaction at Baitul Mal, Aceh Tamiang Regency. The effect of trust on muzakki satisfaction at Baitul Mal shows a t - count value of 2.421 with a sig value of 0.017 > 0.05, then partially trust has a positive and insignificant effect on muzakki satisfaction at Baitul Mal, Aceh Tamiang Regency. From the results of the F test shows the results of F count 19,213 with a sig value of 0.000 <0.05, it means that service and trust together have a significant effect on muzakki satisfaction at Baitul Mal, Aceh Tamiang Regency. Limitations based on the R2 Test of 27% of service and trust affect the satisfaction of muzakki at Baitul Mal, Aceh Tamiang Regency, while 73% are explained by other factors not included in this study . Practical Implications – As a practical implication, the results of this study can be used as a reference by the government, especially zakat institutions in encouraging strategies to pay zakat, especially in terms of the cognitive domain, affective domain and psychomotor domain .