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Abstrak :
This study investigates what factors persuade consumers to purchase e-money via syariah m-banking applications. Researchers extended the Unified Theory of Acceptance and Use of Technology (UTAUT 2) to find new information as well as to accommodate the limitations and discussions of previous studies. A purposive sampling technique was adapted to select respondent criteria. The collected data from 120 respondents were analyzed using Partial Least Square Structural Equation Modeling (PLS-SEM), supported by WarpPLS 8.0, through three main stages of analysis: measurement model, structural model, and hypothesis testing. Additional analysis was undertaken to produce robust findings by explaining multicollinearity, common method bias, and multigroup analysis by categorizing two groups of respondents (male and female). Researchers found that only social influence and hedonic motivation have a significant effect on trust from the UTAUT 2 model. On the other hand, two exogenous constructs in the mobile service quality model proved to have a significant effect on trust, security (privacy), and practicality. Furthermore, the research showed that trust is a fundamental factor in influencing continuance intention because it produces the largest effect size (f-square) and significant path coefficient value. The findings should encourage all Islamic banking stakeholders and practitioners to increase individual trust by creating educational and innovative programs connected with consuming digital banking services, especially e-money purchases.

Abstrak :
The objective of this paper is to redesign the Indonesian pension fund's business model and management system, and develop new strategies to balance profits, affordability, and sustainability. The authors consider the Malaysian pension system and adapt the INTERDAP application used by PT. Angkasa Pura II. Through this qualitative case study, we apply the foundations of the Triangle Syariah Justice Ecosystem (TSJE) to digitize the pension system and support green investment in the long run by modeling the business strategy, facilitating the business model and supplier relationship management, and creating mutually beneficial management among stakeholders. The study found that Malaysia's pension system has an investment purpose, while that of Indonesia only provides pension loans based on previously agreed cumulative contributions. Malaysia encourages people across the country to save on severance funds, and the pension system is still managed conventionally. Malaysia requires a pension contribution of 23 percent of the employee's base salary, while Indonesia requires a meagre 3 percent. This affects the contribution of pension funds to Gross Domestic Product (GDP), with Malaysia's pension fund accounting for 60 percent of GDP but Indonesia’s accounting for only 6 percent. The authors also consider that to become a developed country, pension funds need to reach 60 percent of GDP by 2045, because 42 percent of the total supply of funds in the infrastructure sector originates from pension funds. The practical implications of this study are on access to information, security, and transparency in the management of pension funds through a digital system supervised by the Syariah Regulator, alongside the Indonesian government's efforts to realize support for the green economy.

Abstrak :
Indonesia's National Zakat Agency (Badan Amil Zakat Nasional, BAZNAS) is an official government agency that manages the zakat of Indonesian people. BAZNAS is tasked with collecting zakat, infaq, and shadaqah (ZIS) from the community and managing the redistribution of funds to recipients. Through digitalization, BAZNAS has made several breakthroughs towards improving their system management. This is in order to improve the performance of BAZNAS in terms of fundraising and distribution, which have a significant impact on BAZNAS' overall performance. This study aims to describe the transformation of BAZNAS in applying digital technology to management. The author conducted research on BAZNAS for two years, from 2019 to 2020, and found that BAZNAS succeeded in formulating its concept for digitalization even prior to the COVID-19 pandemic. As such, BAZNAS was able to quickly move its programs into the digital realm. Further digitalization is also ongoing at BAZNAS. As Indonesia is the country with the largest number of Muslims in the world, the success of BAZNAS as the national zakat institution in Indonesia can serve as a role model for Muslim communities around the world in ZIS management is a key part of the road towards prosperity in the Muslim world.

Abstrak :
This study aims to provide a scientific contribution to the feasibility of metal backed cryptocurrencies as a medium of exchange to pay zakat. To understand the dynamics and mechanisms of metal backed cryptocurrencies, the autoregressive conditional heteroscedasticity and generalized conditional heteroscedasticity (Arch Garch) methods were used. The metal backed cryptocurrencies used for this research are Bitcoin Gold, GoldFinch, Gold Coin, Digix Gold Token, E-Dinar Coin, Gold-Money, and E-Gold. Our analysis finds that even though these are metal backed cryptocurrencies, the volatility is high. Gold-Money has a long-term volatility 67 times higher than the volatility of gold, while E-Gold has eight times the volatility of gold. As a result, due to high levels of volatility, metal backed cryptocurrencies are not suitable as a medium for zakat payment.

Abstrak :
The sustainability of higher education should be supported by marketing strategies that enhance marketing performance and attract a higher number of prospective students. Considering the decision of prospective students to attend a particular institution is always motivated by the information they obtain on that institution’s achievements, this study aims to develop digital network empowerment and digital information sharing activities based on the resource-based view model. In addition, considering digital services have not yet had a conclusive effect on marketing performance, this study also aims to develop digital service recovery to enhance the effect of digital network empowerment and digital information sharing on marketing performance. Primary data were collected using a questionnaire sent to the management teams of Indonesian private Islamic higher education institutions via a Google form link. The data were processed using SPSS and Amos. The findings demonstrate that digital network empowerment and digital information sharing have a very significant effect on marketing performance, but digital service recovery does not. However, digital service recovery has a very significant effect on digital network empowerment and digital information sharing. The findings illustrate that digital network empowerment and digital information sharing can contribute to the resource-based view model to enhance marketing performance.

Abstrak :
The development of Islamic securities crowdfunding (I-SCF) financial technology has recently become a momentum for micro, small, and medium enterprises (MSMEs) in terms of fulfilling capital by issuing shares (sukuk) based on syariah principles. This research examines the role of Islamic financial literacy through the use of variables from the theory of planned behavior about the intentions of MSME actors to apply for capital through I-SCF. A total of 97 responses were collected from MSMEs owners/managers who have been in business for at least two years using an online questionnaire and then examined using structural equation modeling by SmartPLS. The results show that the variables of subjective norm, perceived behavioral control, and attitude toward behavior significantly influence the intention to obtain capital to expand one’s business. The primary finding of this research is that Islamic financial literacy has been experimentally shown to improve the desire of MSME players to expand their business capacity. There is thereby a need for continuous efforts from the Indonesian Financial Service Authority to collaborate with industry players, organising associations, and syariah scholars to boost Islamic financial literacy through sustainable education. In addition, efforts to maintain the uniqueness of I-SCF and its syariah compliancy must be supported by prospective I-SCF providers, even while awaiting their operational permits.

Abstrak :
Female entrepreneurship involves a movement where women can empower oneself and share their values with others. This study explores a business initiative led these principles: Latifa Indonesia, a maternal wellbeing therapy business founded by a female entrepreneur named Verawati. It describes the digital marketing strategy implemented by the company and analyzes several its impacts. The research employs a qualitative case study as well as semi-structured interviews, observation, and textual documentation to collect the data required. Thematic analysis, triangulation, and member checking are used while analyzing the obtained data. The finding of this study reveals that the digital marketing strategy used by Latifa Indonesia in establishing its business is implemented through the utilization of some digital platforms such as website, Facebook, and Instagram, but that transactions occur through WhatsApp, which is considered a more user-friendly application. The use of digital platforms positively impacted the company’s development, leading to increasing numbers of both new therapists and customers, improving the company’s accessibility, growing business income, and forming partnerships with other companies. Latifa’s business data from 2021 showed that both customers and income are increasing approximately 20 percent each year since the commencement of the business’ digital marketing strategy in 2017.

Abstrak :
Terrorism experts continue to debate how and why people become radicalised and commit violence. Significantly less emphasis and coherence of thought has been deployed to understand those processes in reverse. From the perspective of counterterrorism practitioners within both government and civil society, the question has tended to bifurcate around two contrasting conceptual approaches: should the focus be on ‘deradicalization’ (an internal or philosophical outcome seeking change in beliefs, values and attitudes) or ‘disengagement’ (a social or temporal outcome seeking change in behaviours away from violence)? This article seeks to contribute to the debate about how disengagement functions and stands as a practical and effective counterterrorism methodology, and is based on detailed analysis of field work and project implementation in Indonesia. This article and the methodologies implemented and tested are grounded in previous research on disengagement of Indonesian jihadists and countering violent extremism (CVE) projects conducted by several of the authors over many years, and extends and codifies the findings of a valuable body of earlier academic literature. The authors argue that a disengagement process grounded in the social methodology of personal mentoring (defined infra this paper by a process we have called ‘Hearts, Hands and Heads’) can achieve a measurable and meaningful change in how individuals withdraw from violent extremist networks. This article will further show why disengagement programs in Indonesia should prioritise targeting specific at-risk groups, including returned foreign fighters, who have been known to conduct terrorist activities in Indonesia as well as advocate for their cause and recruit more effectively than those that have never been to Syria or other conflict zones. With the proper implementation, disengagement can be an effective preventive tool in Indonesia in addition to preparing the groundwork for later, more formal deradicalization processes and programs.

Abstrak :
Numerous pieces of research have addressed the issue of terrorism and radicalism in Southeast Asia, and security studies are inundated with works covering its origin, function, and impact. However, this article argues that equal attention should be given to non-violent extremism and its impact on societies at the discursive level. By examining case studies from Indonesia and Malaysia, two Muslim-majority nations, this article contends that the question is not whether non-violent extremism directly or indirectly leads to terrorism, but how it can also shape policies and regulations through lobbying, trigger mass political mobilization, and nurture intolerance and hatred towards minority groups.

Abstrak :
The COVID-19 pandemic has exposed an emergency of prejudice and savagery via social media by traditional ‘patriots’ in India. Meta, Twitter, and Instagram have turned into digital spaces full of deception about the pandemic. Hindu Instagram accounts such as @Hindu_secrets and @Hindu_he_hum have been unwavering and dedicated in spreading Islamophobic crusades by utilizing the COVID-19 pandemic. This has opened doors for hatred directed at Muslim people in India. This study situates itself inside the system of Stuart Hall's encoding and translating hypothesis to reveal the visual and printed codes used to make shameful and obtrusive generalizations that dehumanize and slander specific networks utilizing social media platforms. This is an explorative request that took part through a semiotic examination of the Instagram accounts of @Hindu_secrets and @Hindu_he_hum. The review tracked down encoded generalizations of danger in the utilization of variety, strict designs, garments, and other actual markers of social character in producing Islamophobic content. COVID-19 was depicted to as having Islamic parentage in the images; consequently, it depicted the Muslim people group as sustaining and deliberately spreading the infection across India and abroad.