ZISWAF: JURNAL ZAKAT DAN WAKAF最新文献_第2页

Community Motivation for Selecting Zakat, Infaq, and Sadaqah Payment Methods Using Fintech Platform 使用金融科技平台选择天课、Infaq和Sadaqah支付方式的社区动机

ZISWAF: JURNAL ZAKAT DAN WAKAF

Pub Date : 2022-06-16 DOI: 10.21043/ziswaf.v9i1.14301

Muzayyana Tartila

From time to time, the amount of zakat, infaq, and sadaqah collected increases. Due to the fact that the collection of zakat, infaq, and sadaqah has not yet reached its full potential, it is crucial to study Muzakki's behavior on the fintech platform. This study expands on prior research by introducing new variables based on knowledge of internal and external factors. This study employed a qualitative approach. Nine samples were obtained through Muzakki from individuals who had paid zakat, infaq, and sadaqah through the fintech platform. This study's data analysis involved data reduction, data presentation, and conclusion drawing. According to research, Muzakkis have diverse motivations for selecting fintech platforms as payment methods for zakat, infaq, and sadaqah. They cited internal considerations as the primary reason for selecting the QRIS and CoopLink fintech platforms as zakat, infaq, and sadaqah payment platforms. Then, external factors are influenced by the workgroup that an individual joins and the surrounding environment. Regardless of the diversity of motivational factors in this study, all informants felt the same way when using the fintech platform to pay zakat, infaq, and sadaqah: curiosity and ease. And based on the findings of this study, it is possible to conclude that the selection of the appropriate payment method can influence the collection of zakat, infaq, and sadaqah.

zakat, infaq和sadaqah的征收额不时增加。由于zakat、infaq和sadaqah的集合尚未充分发挥其潜力，因此研究Muzakki在金融科技平台上的行为至关重要。本研究在前人研究的基础上，在了解内外部因素的基础上，引入了新的变量。本研究采用定性方法。通过Muzakki从通过金融科技平台支付过zakat、infaq和sadaqah的个人中获得了9个样本。本研究的数据分析包括数据简化、数据呈现和结论绘制。根据研究，穆斯林选择金融科技平台作为天课(zakat)、朝圣(infaq)和朝圣(sadaqah)的支付方式有多种动机。他们表示，内部考虑是选择QRIS和CoopLink金融科技平台作为zakat、infaq和sadaqah支付平台的主要原因。然后，外部因素受到个人加入的工作组和周围环境的影响。尽管这项研究中的激励因素多种多样，但所有的受访者在使用金融科技平台支付天课(zakat)、infaq和sadaqah时的感受都是一样的:好奇和轻松。根据本研究的结果，可以得出这样的结论:选择适当的付款方式可以影响天课、infaq和sadaqah的收取。

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引用次数: 3

Model of Zakat Utilization Based on Local Geographical Potential in West Sumatra 基于当地地理潜力的西苏门答腊天课利用模式

ZISWAF: JURNAL ZAKAT DAN WAKAF

Pub Date : 2022-06-16 DOI: 10.21043/ziswaf.v9i1.14551

Rizal Fahlefi

Utilizing Zakat through a variety of productive programs can improve the welfare of the Muslim community and foster a sense of mental independence among them. Through the Boerka Superior Goat Breeding Center Program in Tanah Datar Regency, West Sumatra, this study aims to investigate how zakat is utilized based on the local geographical potential. Case study methodology is used as the qualitative research approach. Interviews and observations are employed as data collection techniques. The data analysis was conducted using the interactive data analysis model. According to the findings, the model consists of three phases: planning, implementation, and monitoring and evaluation. Several activities comprise the preparation of the program, including the formation of a management team, the selection of areas and mustahiks, and the provision of goats, forage seeds, and mentors. As part of the program's implementation, selected mustahiks will receive assistance in the form of training in recording, pen construction, disease prevention, and feed processing. During the monitoring and evaluation phase, the team conducted routine and ongoing monitoring and assessed the program's progress. This new basis in the utilization of zakat must be considered and implemented by zakat institutions, as it is insufficient to consider only the human factor, as local potential factors, including geographical potential, are also important in the utilization of zakat. Using zakat in a manner that prioritizes local geographical potential is anticipated to significantly enhance the quality of life for mustahiks.

通过各种富有成效的项目利用天课可以提高穆斯林社区的福利，并培养他们的精神独立意识。通过西苏门答腊岛Tanah Datar reggency的Boerka高级山羊育种中心项目，本研究旨在调查如何根据当地的地理潜力利用天课。案例研究方法被用作定性研究方法。访谈和观察被用作数据收集技术。采用交互式数据分析模型进行数据分析。根据研究结果，该模式包括三个阶段:规划、实施、监测和评估。几项活动包括计划的准备工作，包括组建管理团队、选择地区和musthiks、提供山羊、饲料种子和导师。作为该计划实施的一部分，选定的musthiks将获得记录、围栏建设、疾病预防和饲料加工方面的培训。在监测和评估阶段，该小组进行了常规和持续的监测，并评估了项目的进展。这种利用天课的新基础必须由天课机构加以考虑和执行，因为只考虑人的因素是不够的，因为当地的潜在因素，包括地理潜力，在利用天课方面也很重要。以一种优先考虑当地地理潜力的方式使用天课，预计将大大提高穆斯林的生活质量。

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引用次数: 0

Determinant of Behavioral Intention to Use Digital Zakat Payment: The Moderating Role of Knowledge of Zakat 数字天课支付行为意愿的决定因素:天课知识的调节作用

ZISWAF: JURNAL ZAKAT DAN WAKAF

Pub Date : 2022-04-18 DOI: 10.21043/ziswaf.v9i1.13330

Utari Evy Cahyani, Dian Sari, A. Afandi

The potential for zakat in Indonesia is increasing over time. However, the value of the increase in zakat receipts is not proportional to the potential of zakat. Research on zakat behavior using digital platforms is important considering the lack of realization of zakat collection compared to the existing potential. This study develops the UTAUT model by adding knowledge of zakat as a moderated variable. A quantitative approach is used in this research. The number of respondents in this study was 200 who were obtained through convenience sampling based on questionnaires distributed online. Data analysis was performed using partial least square-structural equation modeling (PLS-SEM). The results showed that performance expectancy, social influence, and facilitating conditions had a positive effect on behavioral intention to use digital zakat payment. Meanwhile, the moderating effect shows that knowledge of zakat moderates the relationship between performance expectancy and behavioral intention. These results have implications for the need to increase the effectiveness of digital zakat payments, have influencers who educate about zakat payments using digital, and increase the choice of zakat management institutions that accommodate digital payments so that the intention of muzakki to pay zakat using digital payments is increasing. The moderating effect implies that for muzakki who have higher knowledge of zakat, the level of trust and effectiveness of digital payments can increase the desire to pay zakat through digital payments.

随着时间的推移，天课在印尼的潜力越来越大。然而，天课收入增加的价值与天课的潜力不成比例。考虑到与现有潜力相比，zakat收集的实现不足，利用数字平台研究zakat行为是很重要的。本研究通过加入天课知识作为调节变量来发展UTAUT模型。本研究采用定量方法。本研究的调查对象为200人，是在网上发放问卷的基础上，通过方便抽样的方式获得的。数据分析采用偏最小二乘结构方程模型(PLS-SEM)。结果表明，绩效期望、社会影响和便利条件对使用数字天课支付的行为意愿有正向影响。同时，天课知识对绩效期望与行为意愿之间的关系具有调节作用。这些结果表明，需要提高数字天课支付的有效性，有影响力的人使用数字方式进行天课支付的教育，并增加可容纳数字支付的天课管理机构的选择，以便muzakki使用数字支付支付天课的意愿正在增加。调节效应表明，对于天课知识水平较高的慕课者来说，对数字支付的信任程度和有效性可以增加其通过数字支付支付天课的意愿。

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引用次数: 3

An Assessment of Zakat Contributions for Productive Purposes to Empower the Mustahik Economy in the Face of the Covid-19 Pandemic 评估天课对生产目的的贡献，以增强面对Covid-19大流行的穆斯塔希克经济的能力

ZISWAF: JURNAL ZAKAT DAN WAKAF

Pub Date : 2021-12-30 DOI: 10.21043/ziswaf.v8i2.11242

Raisa Aribatul Hamidah, Azhar Alam, Arum Anggraeni, Renaldi Sahrul Nizam

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.

由于Covid-19大流行，人们失去了工作，许多人现在生活在贫困中。天课是伊斯兰教关于减少贫穷的支柱之一，特别是以生产性支付的形式。本研究的目的是确定和评估在2019冠状病毒病大流行期间，生产性天课对经济赋权的机制和贡献。以生产为目的的天课是一种财富，它使接受者能够利用天课资金不断地创造创造力。本研究对生活在低收入社会并受到covid-19经济影响的三名天课机构工作人员和七名穆斯塔希克进行了深入访谈。本研究采用描述性方法，本研究采用访谈法进行数据检索，然后以数据缩减、数据呈现和结论的形式进行数据分析。根据这项研究的结果，仍然有有限数量的人力资源可用于马斯塔希克的指导和监督。本文发现，并非所有的穆斯塔希克都像希望的那样，将富有成效的天课资金100%用于发展业务，而是用于满足基本需求。Mustahik主要需要更多的满足和短期利益，以维持他们的生活。

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引用次数: 3

Fundraising Strategies In The National Board Of Zakat (BAZNAS) Tana Toraja Regency 天课全国理事会(BAZNAS)的筹款策略

ZISWAF: JURNAL ZAKAT DAN WAKAF

Pub Date : 2021-12-27 DOI: 10.21043/ziswaf.v8i2.11786

Trisno Wardy Putra

Zakat is an obligation of a Muslim and is included in the five pillars of Islam. Zakat has a strategic role, namely helping the government handle the poor. This study describes collecting zakat funds in the Amil Zakat Agency of Tana Toraja Regency, a Muslim minority area. In this study, the method used was qualitative where the researcher conducted direct interviews with the respondents. The results showed that the fundraising strategy at the National Amil Zakat Agency in Tana Toraja Regency was not optimal. Therefore, the researcher recommends that Amil BAZNAS Tana Toraja Regency hold a digital fundraising training for zakat.

天课是穆斯林的义务，是伊斯兰教五大支柱之一。天课具有战略作用，即帮助政府处理穷人。本研究描述了在穆斯林少数民族地区Tana Toraja Regency的Amil zakat机构收集天课资金的情况。在这项研究中，使用的方法是定性的，研究人员对受访者进行了直接访谈。结果表明，在塔纳托拉贾县的国家阿米尔天课机构的筹款策略并不是最佳的。因此，研究者建议Amil BAZNAS Tana Toraja Regency为天课举办一次数字筹款培训。

引用次数: 2

Waqf Asset Management For Water Facilities 水务设施Waqf资产管理

ZISWAF: JURNAL ZAKAT DAN WAKAF

Pub Date : 2021-12-27 DOI: 10.21043/ziswaf.v8i2.11810

Asma’ Munifatussa’idah

The role of waqf in the social and economy of society has been proven by the increasing number of waqf practices in providing solutions for the welfare of Muslims. This research aims to explore the implementation of waqf asset management for in water facilities projects and waqf risk management in Badan Wakaf Al-Qur’an (BWA) Indonesia. This research uses a qualitative study with an explanatory approach, on a water facilities waqf project. The study uses primary data, through interviews with the program manager. The results show waqf asset management in the water facilities project in Muara Gembong, Bekasi, can be empowered productively by involving the role of the community as the manager of the waqf assets. Waqf asset management for water facilities consists of adjustment, assessment, planning, fundraising, realization, monitoring, and evaluation. The benefits of water facilities are intended for consumption purposes and to improve the beneficiary community’s economy.

在为穆斯林的福利提供解决方案方面，越来越多的waqf实践证明了waqf在社会和社会经济中的作用。本研究旨在探讨印尼巴丹瓦卡夫古兰经(BWA)水务设施项目waqf资产管理和waqf风险管理的实施情况。本研究以某水利设施waqf项目为研究对象，采用定性研究与解释相结合的方法。本研究通过对项目经理的访谈，使用了原始数据。结果表明，在Bekasi Muara Gembong水设施项目中，waqf资产管理可以通过社区作为waqf资产管理者的角色进行有效授权。水利设施Waqf资产管理包括调整、评估、规划、筹资、实现、监测和评估。水设施的好处是用于消费目的和改善受益社区的经济。

引用次数: 0

Zakat Institution of Financial Transparency Model: An Explanatory Research Zakat制度的财务透明度模型:解释性研究

ZISWAF: JURNAL ZAKAT DAN WAKAF

Pub Date : 2021-09-30 DOI: 10.21043/ZISWAF.V8I2.9358

M. Wahyudi, N. Huda, S. Herianingrum, R. Ratnasari

Public demand for financial transparency of zakat institutions is getting stronger. The weak quality of financial reports resulted in a distrust of this institution. Therefore, a framework is needed as a reference in compiling and presenting quality financial reports that meet public expectations. This article aims to propose a financial transparency framework for the Amil Zakat Institution (LAZ) in Indonesia. This is a descriptive qualitative study with an explanatory approach. Furthermore, data collection was carried out through studies related to financial transparency of the institution and was complemented by interviews with directors, distribution managers, accounting staff, and three muzaki of zakat institutions in Central Java. The results concluded that the framework for transparency practice in the financial statements of zakat institutions comprises three parts, namely the principle of tauhid as a foundation component. Amil zakat professionalism, internal audit, internal control, and financial accounting standards are the principal components, as well as the use of the website as support. The implication of this study is that the credibility of zakat institutions can be increased by improving the quality of financial reports.

公众对天课机构财务透明度的要求越来越强烈。财务报告的薄弱质量导致了对该机构的不信任。因此，在编制和提交符合公众期望的高质量财务报告时，需要一个框架作为参考。本文旨在为印度尼西亚的阿米尔天课机构(Amil Zakat Institution, LAZ)提出一个财务透明度框架。这是一项带有解释性方法的描述性定性研究。此外，通过与该机构的财务透明度有关的研究收集了数据，并与中爪哇的董事、分销经理、会计人员和三所天课机构的muzaki进行了访谈。结果表明，zakat机构财务报表透明度实践框架包括三个部分，即作为基础组成部分的透明性原则。专业化、内部审计、内部控制和财务会计准则是Amil zakat的主要组成部分，以及网站的使用作为支撑。本研究的含义是，可以通过提高财务报告的质量来提高天课机构的可信度。

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引用次数: 0

The Impact of The Management of Zakat, Infaq, and Shadaqah on the Social-Based Program of the Sumedang Sehat based on Social Return on Investment (SROI) (Case Study of BAZNAS Sumedang Regency) 天课、Infaq和Shadaqah管理对基于社会投资回报率(SROI)的Sumedang社区社会项目的影响(以BAZNAS Sumedang县为例)

ZISWAF: JURNAL ZAKAT DAN WAKAF

Pub Date : 2021-09-03 DOI: 10.21043/ZISWAF.V8I2.10227

Aditia Rahman Allawi, Hendro Wibowo

Various programs have been presented for the distribution of zakat, donations, and shadaqah that have been collected. The purpose of zakat, infaq, and shadaqah is not only to help the poor related to consumptive things, but it also has a permanent goal, that is to alleviate poverty. One goal of the Sustainable Development Goals (SDGs) in the first of the 17 goals and 169 targets, specifically ending poverty in any form and anywhere. In addition, there are still benefits from zakat, donations, and alms for mustahics, including the health sector. The Sumedang Sehat program is a BAZNAS program in the Sumedang Regency in the health sector. As one program established and funded by BAZNAS Sumedang District, the Sumedang Sehat program requires evidence of the impact and how much impact it has on the program in order to be transparent about the zakat, infaq, and alms funds that have been distributed. This study aims to calculate the impact of a BAZNAS program, namely the Sumedang Sehat program, using social return on investment (SROI). The results of this study showed an SROI ratio of 51.22:1. Every IDR 1 invested resulted in IDR 51.22, which benefits both economically, socially, and environmentally. This means that the Sumedang Sehat program has provided benefits 51.22 times greater than the value of the invested input.

已经提出了各种方案来分发天课、捐款和已经收集到的沙达卡。zakat, infaq和shadaqah的目的不仅仅是帮助与消费相关的穷人，而且还有一个永久的目标，那就是减轻贫困。可持续发展目标(SDGs)的17个目标和169个具体目标中的第一个目标，特别是消除任何形式和任何地方的贫困。此外，天课、捐款和对穆斯林的施舍，包括卫生部门，仍然有好处。Sumedang Sehat方案是Sumedang县卫生部门的BAZNAS方案。作为BAZNAS Sumedang地区建立和资助的一个项目，Sumedang Sehat项目需要提供影响的证据，以及它对项目的影响有多大，以便对已分配的天课(zakat)、infaq和施舍资金保持透明。本研究旨在计算BAZNAS计划的影响，即Sumedang Sehat计划，使用社会投资回报率(SROI)。本研究结果表明，SROI比率为51.22:1。每投入1印尼盾可产生51.22印尼盾，这对经济、社会和环境都有好处。也就是说，“水美当世界”项目所带来的收益是投入价值的51.22倍。

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引用次数: 1

Comparison of the Views of Classical Fiqh Ulama and Contemporary Fiqh Ulama on the Use of Zakat Maal for the Development of Educational and Da'wah Institutions 古典菲格·乌拉玛与当代菲格·乌拉玛对利用天课促进教育和宗教制度发展的看法比较

ZISWAF: JURNAL ZAKAT DAN WAKAF

Pub Date : 2021-06-15 DOI: 10.21043/ZISWAF.V8I1.10519

Khusnul Fikriyah

Nowadays, zakat paid by muzakki is channeled through an educational empowerment model, including scholarships for poor children. In addition to scholarships, the empowerment model also improved, zakat funds are also used for the development of Educational and Da'wah Institutions, including for schools, campuses, dormitories, and mosques. In At-Taubah 60, there is no mention of the Board of Education and Da'wah included in the asnaf who are entitled to receive zakat. Thus, the question arises as to how the legal position of the use of zakat funds for the benefit of the development of educational institutions and da'wah, whether the law is allowed according to sharia or not. This study used a qualitative library research method. The conclusion of this article states that zakat funds are allowed for the construction of educational and da’wah institutions, by using the reason for the "generality of interpretation" of the word sabilillah ( في سبيل الله ) in At-Taubah: 60 as one of the parties entitled to receive zakat. If the zakat funds for asnaf sabilillah still use the classical meaning, which means only for war, then the scope will be very narrow. In addition, at this time, jihad, which means war on the battlefield no longer exists, because it is considered a violation of human rights, and even if this kind of war is still being financed by the state.

如今，由muzakki支付的天课是通过教育赋权模式进行的，包括为贫困儿童提供奖学金。除了奖学金，赋权模式也得到了改善，天课基金也用于教育和达瓦机构的发展，包括学校、校园、宿舍和清真寺。在《At-Taubah 60》中，没有提到asnaf中包括有权接受天课的教育委员会和达瓦。因此，问题是如何利用天课资金促进教育机构和达瓦的发展的法律地位，根据伊斯兰教法是否允许这项法律。本研究采用质性图书馆研究方法。该条的结论指出，天课基金可用于建设教育机构和达瓦机构，理由是《At-Taubah: 60》中“一般解释”萨比拉一词(في سبيل الله)作为有权接受天课的各方之一。如果天课资金用于战争，仍然使用经典意义，这意味着只用于战争，那么范围将非常狭窄。此外，在这个时候，圣战，意思是在战场上的战争不再存在，因为它被认为是对人权的侵犯，即使这种战争仍然由国家资助。

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引用次数: 2

Waqf Blockchain Untuk Pengadaan Alat Kesehatan Penanganan Covid-19: Studi Konseptual Covid-19医疗保健采购的区块链:概念研究

ZISWAF: JURNAL ZAKAT DAN WAKAF

Pub Date : 2020-10-19 DOI: 10.21043/ZISWAF.V7I2.7695

R. A. Budiantoro, Masitha Fahmi Wardhani, Foza Hadyu Hasanatina, Febrianur Ibnu Fitroh Sukono Putra

The research aims to develop a scheme of waqf fund management based on the blockchain system. This system is used for the procurement of personal protective equipment as an effort to prevent the Covid-19 pandemic in Indonesia. The approach method used qualitative research, based on the basis of consideration of data and facts related to the spread of pandemic Covid-19 requires in-depth analysis. The renewal of the schemes and instruments of the waqf fund with blockchain endowments that can be applied in specific social projects is an important added value. The results of this research are the optimization of waqf funds, which starts from the process of collecting, managing, developing, and distributing waqf funds for specific social activities that can be targeted. The target of this research is the transparency of the management of waqf funds can be better so that sharia-based financial instruments can contribute greatly to the handling of Covid-19.

本研究旨在开发一种基于区块链系统的waqf基金管理方案。该系统用于采购个人防护装备，以预防印度尼西亚的Covid-19大流行。该方法采用定性研究方法，在考虑与Covid-19大流行传播相关的数据和事实的基础上，需要深入分析。通过区块链捐赠来更新waqf基金的计划和工具，可以应用于特定的社会项目，这是一个重要的附加价值。本研究的结果是waqf资金的优化，它从waqf资金的收集、管理、开发和分配的过程开始，用于有针对性的特定社会活动。这项研究的目标是提高waqf基金管理的透明度，以便以伊斯兰教为基础的金融工具能够为应对Covid-19做出巨大贡献。

引用次数: 3