Implementation of Financial Technology (Fintech) in the Collection of Zakat, Infak, and Sedekah Among Generation Y and Z (Case Study: BAZNAS RI)
Article Sidebar
Published
Nov 6, 2025
Main Article Content
Abstract
This research is based on the author's interest in the development of financial technology or fintech adapted by Zakat, Infak, and Sedekah (ZIS) institutions in their collection mechanisms. Then, in relation to the subject of this research, it is aimed at the millennial generation or Gen Y and Gen Z as parties considered adaptive to the times, especially in the field of technology. Thus, the research preparation implements a qualitative method with a literature review approach. This research is presented descriptively with secondary data sources obtained from relevant sources. The results of this study illustrate that fintech is beneficial for muzakki in providing an easy and efficient mechanism for zakat collection. BAZNAS is committed to facilitating zakat payers with digital or fintech payments through e-commerce by providing services that make it easier for the community to fulfill their obligations of zakat, infak, and sedekah through a server-based system with PayTren. Fintech has proven to have a positive impact because it simplifies transactions and can be accessed anywhere. However, there is a generation that is still not confident about account security and there are still concerns about the potential leakage of personal data.
Downloads
Download data is not yet available.
Article Details
How to Cite
Kurniawati, N., & Hidayat, M. (2025, November 6). Implementation of Financial Technology (Fintech) in the Collection of Zakat, Infak, and Sedekah Among Generation Y and Z (Case Study: BAZNAS RI). International Journal of Zakat, 10(2), 94-106. https://doi.org/https://doi.org/10.37706/ijaz.v10i2.680
Section
Articles
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.
References
Afrina, D. (2020). Manajemen Zakat Di Indonesia Sebagai Pemberdayaan Ekonomi Umat. EkBis: Jurnal Ekonomi Dan Bisnis, 2(2), 201. https://doi.org/10.14421/ekbis.2018.2.2.1136
Anis, M. (2020). Zakat Solusi Pemberdayaan Masyarakat. El-Iqthisadi : Jurnal Hukum Ekonomi Syariah Fakultas Syariah Dan Hukum, 2(1), 42. https://doi.org/10.24252/el-iqthisadi.v2i1.14074
Asni, F., Ahmad, K. A., Hasbulah, M. H., & Tambak, S. (2025). A Recent Systematic Review of Zakat Digitalization : Efficiency and Challenges. Journal of Advanced Research in Applied Sciences and Engineering Technology, 2(2), 130–146.
Basalamah, R., Nurdin, Haekal, A., Noval, & Jalil, A. (2022). Pengaruh Persepsi Kemudahan dan Risiko terhadap Minat Menggunakan Financial Technology (Fintech) Gopay Pada Generasi Milenial di Kota Palu. JIEBI Jurnal Ilmu Ekonomi Dan Bisnis Islam, 4(1), 57–71. https://doi.org/https://doi.org/10.24239/jiebi.v4i1.93.57-71
BAZNAS. (2024). OUTLOOK ZAKAT INDONESIA 2024. www.baznas.go.id;
Christiani, L. C., & Ikasari, P. N. (2020). Generasi Z dan Pemeliharaan Relasi Antar Generasi dalam Perspektif Budaya Jawa. Jurnal Komunikasi Dan Kajian Media, 4(2), 84–105. https://doi.org/https://doi.org/10.31002/jkkm.v4i2.3326
Dhanesworo, S. (2022). 6 Platform yang Menawarkan Layanan Zakat Online. Katadata.Co.Id, 1.
Fadilah, S., Rini, L., & Rosdiana., Y. (2017). ORGANISASI PENGELOLA ZAKAT (OPZ): DESKRIPSI PENGELOLAAN ZAKAT DARI ASPEK LEMBAGA ZAKAT. 18(2), 148–163. https://doi.org/https://doi.org/10.29313/ka.v18i1.3085
Ferena, S., Hastuti, E. W., Rizqi, N., & Al-Abidah, S. D. (2023). Operational Risk Management Of Zakat Management Organization In Surakarta. Indonesian Conference of ZZakat Proceedings, 63–71.
Friantoro, D., & Zaki, K. (2019). Do We Need Financial Technology for Collecting Zakat? International Conference of Zakat, 227–238. https://doi.org/10.37706/iconz.2018.133
Fuad, S., Effendi, N., & Ronaning, E. (2021). Perubahan Perilaku Komunikasi Generasi Milenial dan Generasi Z di Era Digital. Satwika Kajian Ilmu Budaya Dan Perubahan Sosial, 5(1), 69–87. https://doi.org/10.22219/satwika.v5i1.15550
Ghofur, R. A., & Ichwan, A. (2020). Overview the Law of Zakat Payment Uses Fintech in Islamic Perspective. Al-Infaq: Jurnal Ekonomi Islam, 11(2), 110. https://doi.org/10.32507/ajei.v11i2.644
Habib, A. A. (2016). the Principle of Zakat, Infaq, and Shadaqah Accounting Based Sfas 109. Journal of Accounting and Business Education, 1(1), 1. https://doi.org/10.26675/jabe.v1i1.6725
Hasyim, F., Ratnasari, R. T., & Ramly, A. (2023). Financial Technology Adoption and Digitization of Zakat Payment Behavior. ZISWAF: Jurnal Zakat Dan Wakaf, 10(2), 247–270.
Hikmah, S. U., & Choiri, M. (2023). Gerakan Bahagia Bersama Tetangga (GBBT): Analisis Implementasi Distribusi Dana ZIS di Desa Pacar Peluk Kecamatan Megaluh Kabupaten Jombang. AL-MANHAJ: Jurnal Hukum Dan Pranata Sosial Islam, 5(1), 807–818. https://doi.org/10.37680/almanhaj.v5i1.2376
Humas BAZNAS. (2021). BAZNAS Berikan kemudahan Zakat Melalui PayTren. BAZNAS.GO.ID.
Jamal, M., Putri, N. M., & Zahro’, K. (2022). Peran Financial Technology Dalam Menghimpun Dana Zakat, Infaq dan Sedekah Serta Kontribusinya Dalam Menanggulangi Kemiskinan Di Indonesia. Wahana Akademika: Jurnal Studi Islam Dan Sosial, 11(September), 63–72. https://doi.org/10.21580/wa.v11i1.18290
Jamal, M., Putri, N. M., & Zahro’, K. (2024). Peran Financial Technology Dalam Menghimpun Dana Zakat, Infaq dan Sedekah Serta Kontribusinya Dalam Menanggulangi Kemiskinan Di Indonesia. Wahana Akademika: Jurnal Studi Dan Sosial, 11(1), 63–72. https://www.gontor.ac.id/institut-studi-islam-darussalam
Judijanto, L., Andiena, P. A., Putri, N., & Dewantara, B. (2024). Banking and Finance Business Models Dampak Inovasi Finansial Teknologi ( Fintech ) Terhadap Model Bisnis Perbankan dan Keuangan Tradisional. MSEJ Management Studies and Entrepreneurship Journal, 5(1), 1020–1025. https://doi.org/https://doi.org/10.37385/msej.v5i1.3762
Kharisma, A. S., Lestari, P., & Putri, N. K. putri. (2021). INTENSI PENGGUNAAN FINTECH PADA PERBANKAN SYARIAH OLEH UMKM. Jurnal Syntax Adminration, 2(2), 173–182.
Kurniaputri, M. R., Dwihapsari, R., Huda, N., & Rini, N. (2020). Millennials’ Behavioral and Religious Intentions on Zis Payment Decisions Through Digital Platforms. Eqien: Jurnal Ekonomi Dan Bisnis, 7(2), 15–22.
Nafiah, R., & Faih, A. (2019). Analisis Transaksi Financial Technology (Fintech) Syariah dalam Perspektif Maqashid Syariah. IQTISHADIA: Jurnal Ekonomi & Perbankan Syariah, 6(2), 167–175. https://doi.org/10.19105/iqtishadia.v6i2.2479
Ninglasari, S. Y. (2021). Determinants of Online Zakat Intention amongst Muslim Millennials: An Integration of Technology Acceptance Model and Theory of Planned Behavior. Shirkah: Journal of Economics and Business, 6(2), 227–245. https://doi.org/10.22515/shirkah.v6i2.387
Putra, Y. S. (2016). Theoritical Review: Teori Perbedaan Generasi. Among Makarti: Jurnal Ekonomi Dan Bisnis, 09(18), 123–134. http://scioteca.caf.com/bitstream/handle/123456789/1091/RED2017-Eng-8ene.pdfsequence=12&isAllowed=y%0Ahttp://dx.doi.org/
10.1016/j.regsciurbeco.2008.06.005%0Ahttps://www.researchgate.net/
publication/305320484_SISTEM_PEMBETUNGAN_TERPUSAT_STRATEGI_MELESTARI
Qalati, S. A., Vela, E. G., Li, W., Dakhan, S. A., Hong Thuy, T. T., & Merani, S. H. (2021). Effects of perceived service quality, website quality, and reputation on purchase intention: The mediating and moderating roles of trust and perceived risk in online shopping. Cogent Business and Management, 8(1), 1–20. https://doi.org/10.1080/23311975.2020.1869363
Rachman, M. A., & Nur Salam, A. (2018a). The Reinforcement of Zakat Management through Financial Technology Systems. International Journal of Zakat, 3(1), 57–69. https://doi.org/10.37706/ijaz.v3i1.68
Rachman, M. A., & Nur Salam, A. (2018b). The Reinforcement of Zakat Management through Financial Technology Systems. International Journal of Zakat, 3(1), 57–69. https://doi.org/10.37706/ijaz.v3i1.68
Ramadhan, A., Hildawati, & Antong. (2021). Pengaruh Pemahaman , Trust , Dan Transparansi Lembaga Zakat Terhadap Minat Masyarakat Membayar Zakat Pada BAZNAS Kabupaten Luwu. JAP Jurnal Akuntansi Dan Pajak, 21(2), 367–378. https://doi.org/http://dx.doi.org/10.29040/jap.v21i2.1340 DOI: http://dx.doi.org/10.29040/jap.v21i2.1340
Ramadhani, N. P., Qadri, R. A., & Kurniawan, A. (2021). The Bricolage of Financial Technology, Accountability, and Zakat Management in Indonesia. Jurnal Ekonomi Syariah Teori Dan Terapan, 8(2), 183–192. https://doi.org/10.20473/vol8iss20212pp183-192
Rivani, A. (2022). Optimization of Zakat, Infaq, and Alms Collection through Fintech Crowdfunding in Indonesia. International Conference on Islamic Studies, 3, 318–325. https://proceeding.uingusdur.ac.id/index.php/icis/article/view/864%0A
https://proceeding.uingusdur.ac.id/index.php/icis/article/download/864/404
Rukmana, C., Reinita, L., Toyiba, N., Hidayat, F., & Panorama, M. (2023). Pengaruh Digital Payment Terhadap Minat Masyarakat Dalam Membayar Zakat. Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah, 5(5), 2607–2615. https://doi.org/10.47467/alkharaj.v5i5.2572
Sari, D. P., Satibi, I., Haris, A., & Qoyum, A. (2023). Harnessing Fintech for ZIS Payment in Indonesia: A Millennial Perspective. Share: Jurnal Ekonomi Dan Keuangan Islam, 12(2), 334. https://doi.org/10.22373/share.v12i2.15792
Soehardi, D. V. L. (2023). The role of financial technology in ZISWAF (Zakat, Infak, Alms and Wakaf) collection. Enrichment: Journal of Management, 13(3), 1965–1975.
Ulya, N. U. (2019). Legal Protection of Donation-based Crowdfunding Zakat on Financial Technology: Digitalization of Zakat under Perspective of Positive Law and Islamic Law. International Conference of Zakat. https://doi.org/10.37706/iconz.2018.132
unairnews. (2022). Persepsi Generasi Z dalam Membayar Zakat, Infaq, dan Sedekah Menggunakan Fintech. Unair.Ac.Id.
Wahyuni, S., Nurbaiti, & Harahap, M. I. (2022a). Efektifitas Penerapan Financial Technology ( Fintech ) dan Strategi Fundraising dalam Optimalisasi Penghimpunan ZISWAF ( Zakat , Infak , Sedekah , Wakaf ) ( Studi Kasus Dompet Dhuafa Waspada Sumatera Utara ). JES (Jurnal Ekonomi Syariah), 6(2), 9925–9939. https://doi.org/https://doi.org/10.31004/jptam.v6i2.3992
Wahyuni, S., Nurbaiti, & Harahap, M. I. (2022b). Efektifitas Penerapan Financial Technology (Fintech) dan Strategi Fundraising dalam Optimalisasi Penghimpunan ZISWAF (Zakat, Infak, Sedekah ,Wakaf) (Studi Kasus Dompet Dhuafa Waspada Sumatera Utara). JES (Jurnal Ekonomi Syariah), 6(2), 9925–9939. https://jptam.org/index.php/jptam/article/view/3992
Wardah, S., Armiani, & Gibran, M. A. K. (2024). Pengaruh Fintech dan Media Sosial Dalam Menumbuhkan Minat Membayar Zakat , Infak , dan Sedekah pada Baznas Provinsi Nusa Tenggara Barat. Valid Jurnal Ilmiah, 21(2), 153–161. https://doi.org/10.53512/valid.v21i2.430
Zikri, R., Hijran, M., & Oktariani, D. (2023). The Role of Sharia Economic Education in the Development of National Character. Al-Muqayyad, 6(1), 42–48.
Anis, M. (2020). Zakat Solusi Pemberdayaan Masyarakat. El-Iqthisadi : Jurnal Hukum Ekonomi Syariah Fakultas Syariah Dan Hukum, 2(1), 42. https://doi.org/10.24252/el-iqthisadi.v2i1.14074
Asni, F., Ahmad, K. A., Hasbulah, M. H., & Tambak, S. (2025). A Recent Systematic Review of Zakat Digitalization : Efficiency and Challenges. Journal of Advanced Research in Applied Sciences and Engineering Technology, 2(2), 130–146.
Basalamah, R., Nurdin, Haekal, A., Noval, & Jalil, A. (2022). Pengaruh Persepsi Kemudahan dan Risiko terhadap Minat Menggunakan Financial Technology (Fintech) Gopay Pada Generasi Milenial di Kota Palu. JIEBI Jurnal Ilmu Ekonomi Dan Bisnis Islam, 4(1), 57–71. https://doi.org/https://doi.org/10.24239/jiebi.v4i1.93.57-71
BAZNAS. (2024). OUTLOOK ZAKAT INDONESIA 2024. www.baznas.go.id;
Christiani, L. C., & Ikasari, P. N. (2020). Generasi Z dan Pemeliharaan Relasi Antar Generasi dalam Perspektif Budaya Jawa. Jurnal Komunikasi Dan Kajian Media, 4(2), 84–105. https://doi.org/https://doi.org/10.31002/jkkm.v4i2.3326
Dhanesworo, S. (2022). 6 Platform yang Menawarkan Layanan Zakat Online. Katadata.Co.Id, 1.
Fadilah, S., Rini, L., & Rosdiana., Y. (2017). ORGANISASI PENGELOLA ZAKAT (OPZ): DESKRIPSI PENGELOLAAN ZAKAT DARI ASPEK LEMBAGA ZAKAT. 18(2), 148–163. https://doi.org/https://doi.org/10.29313/ka.v18i1.3085
Ferena, S., Hastuti, E. W., Rizqi, N., & Al-Abidah, S. D. (2023). Operational Risk Management Of Zakat Management Organization In Surakarta. Indonesian Conference of ZZakat Proceedings, 63–71.
Friantoro, D., & Zaki, K. (2019). Do We Need Financial Technology for Collecting Zakat? International Conference of Zakat, 227–238. https://doi.org/10.37706/iconz.2018.133
Fuad, S., Effendi, N., & Ronaning, E. (2021). Perubahan Perilaku Komunikasi Generasi Milenial dan Generasi Z di Era Digital. Satwika Kajian Ilmu Budaya Dan Perubahan Sosial, 5(1), 69–87. https://doi.org/10.22219/satwika.v5i1.15550
Ghofur, R. A., & Ichwan, A. (2020). Overview the Law of Zakat Payment Uses Fintech in Islamic Perspective. Al-Infaq: Jurnal Ekonomi Islam, 11(2), 110. https://doi.org/10.32507/ajei.v11i2.644
Habib, A. A. (2016). the Principle of Zakat, Infaq, and Shadaqah Accounting Based Sfas 109. Journal of Accounting and Business Education, 1(1), 1. https://doi.org/10.26675/jabe.v1i1.6725
Hasyim, F., Ratnasari, R. T., & Ramly, A. (2023). Financial Technology Adoption and Digitization of Zakat Payment Behavior. ZISWAF: Jurnal Zakat Dan Wakaf, 10(2), 247–270.
Hikmah, S. U., & Choiri, M. (2023). Gerakan Bahagia Bersama Tetangga (GBBT): Analisis Implementasi Distribusi Dana ZIS di Desa Pacar Peluk Kecamatan Megaluh Kabupaten Jombang. AL-MANHAJ: Jurnal Hukum Dan Pranata Sosial Islam, 5(1), 807–818. https://doi.org/10.37680/almanhaj.v5i1.2376
Humas BAZNAS. (2021). BAZNAS Berikan kemudahan Zakat Melalui PayTren. BAZNAS.GO.ID.
Jamal, M., Putri, N. M., & Zahro’, K. (2022). Peran Financial Technology Dalam Menghimpun Dana Zakat, Infaq dan Sedekah Serta Kontribusinya Dalam Menanggulangi Kemiskinan Di Indonesia. Wahana Akademika: Jurnal Studi Islam Dan Sosial, 11(September), 63–72. https://doi.org/10.21580/wa.v11i1.18290
Jamal, M., Putri, N. M., & Zahro’, K. (2024). Peran Financial Technology Dalam Menghimpun Dana Zakat, Infaq dan Sedekah Serta Kontribusinya Dalam Menanggulangi Kemiskinan Di Indonesia. Wahana Akademika: Jurnal Studi Dan Sosial, 11(1), 63–72. https://www.gontor.ac.id/institut-studi-islam-darussalam
Judijanto, L., Andiena, P. A., Putri, N., & Dewantara, B. (2024). Banking and Finance Business Models Dampak Inovasi Finansial Teknologi ( Fintech ) Terhadap Model Bisnis Perbankan dan Keuangan Tradisional. MSEJ Management Studies and Entrepreneurship Journal, 5(1), 1020–1025. https://doi.org/https://doi.org/10.37385/msej.v5i1.3762
Kharisma, A. S., Lestari, P., & Putri, N. K. putri. (2021). INTENSI PENGGUNAAN FINTECH PADA PERBANKAN SYARIAH OLEH UMKM. Jurnal Syntax Adminration, 2(2), 173–182.
Kurniaputri, M. R., Dwihapsari, R., Huda, N., & Rini, N. (2020). Millennials’ Behavioral and Religious Intentions on Zis Payment Decisions Through Digital Platforms. Eqien: Jurnal Ekonomi Dan Bisnis, 7(2), 15–22.
Nafiah, R., & Faih, A. (2019). Analisis Transaksi Financial Technology (Fintech) Syariah dalam Perspektif Maqashid Syariah. IQTISHADIA: Jurnal Ekonomi & Perbankan Syariah, 6(2), 167–175. https://doi.org/10.19105/iqtishadia.v6i2.2479
Ninglasari, S. Y. (2021). Determinants of Online Zakat Intention amongst Muslim Millennials: An Integration of Technology Acceptance Model and Theory of Planned Behavior. Shirkah: Journal of Economics and Business, 6(2), 227–245. https://doi.org/10.22515/shirkah.v6i2.387
Putra, Y. S. (2016). Theoritical Review: Teori Perbedaan Generasi. Among Makarti: Jurnal Ekonomi Dan Bisnis, 09(18), 123–134. http://scioteca.caf.com/bitstream/handle/123456789/1091/RED2017-Eng-8ene.pdfsequence=12&isAllowed=y%0Ahttp://dx.doi.org/
10.1016/j.regsciurbeco.2008.06.005%0Ahttps://www.researchgate.net/
publication/305320484_SISTEM_PEMBETUNGAN_TERPUSAT_STRATEGI_MELESTARI
Qalati, S. A., Vela, E. G., Li, W., Dakhan, S. A., Hong Thuy, T. T., & Merani, S. H. (2021). Effects of perceived service quality, website quality, and reputation on purchase intention: The mediating and moderating roles of trust and perceived risk in online shopping. Cogent Business and Management, 8(1), 1–20. https://doi.org/10.1080/23311975.2020.1869363
Rachman, M. A., & Nur Salam, A. (2018a). The Reinforcement of Zakat Management through Financial Technology Systems. International Journal of Zakat, 3(1), 57–69. https://doi.org/10.37706/ijaz.v3i1.68
Rachman, M. A., & Nur Salam, A. (2018b). The Reinforcement of Zakat Management through Financial Technology Systems. International Journal of Zakat, 3(1), 57–69. https://doi.org/10.37706/ijaz.v3i1.68
Ramadhan, A., Hildawati, & Antong. (2021). Pengaruh Pemahaman , Trust , Dan Transparansi Lembaga Zakat Terhadap Minat Masyarakat Membayar Zakat Pada BAZNAS Kabupaten Luwu. JAP Jurnal Akuntansi Dan Pajak, 21(2), 367–378. https://doi.org/http://dx.doi.org/10.29040/jap.v21i2.1340 DOI: http://dx.doi.org/10.29040/jap.v21i2.1340
Ramadhani, N. P., Qadri, R. A., & Kurniawan, A. (2021). The Bricolage of Financial Technology, Accountability, and Zakat Management in Indonesia. Jurnal Ekonomi Syariah Teori Dan Terapan, 8(2), 183–192. https://doi.org/10.20473/vol8iss20212pp183-192
Rivani, A. (2022). Optimization of Zakat, Infaq, and Alms Collection through Fintech Crowdfunding in Indonesia. International Conference on Islamic Studies, 3, 318–325. https://proceeding.uingusdur.ac.id/index.php/icis/article/view/864%0A
https://proceeding.uingusdur.ac.id/index.php/icis/article/download/864/404
Rukmana, C., Reinita, L., Toyiba, N., Hidayat, F., & Panorama, M. (2023). Pengaruh Digital Payment Terhadap Minat Masyarakat Dalam Membayar Zakat. Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah, 5(5), 2607–2615. https://doi.org/10.47467/alkharaj.v5i5.2572
Sari, D. P., Satibi, I., Haris, A., & Qoyum, A. (2023). Harnessing Fintech for ZIS Payment in Indonesia: A Millennial Perspective. Share: Jurnal Ekonomi Dan Keuangan Islam, 12(2), 334. https://doi.org/10.22373/share.v12i2.15792
Soehardi, D. V. L. (2023). The role of financial technology in ZISWAF (Zakat, Infak, Alms and Wakaf) collection. Enrichment: Journal of Management, 13(3), 1965–1975.
Ulya, N. U. (2019). Legal Protection of Donation-based Crowdfunding Zakat on Financial Technology: Digitalization of Zakat under Perspective of Positive Law and Islamic Law. International Conference of Zakat. https://doi.org/10.37706/iconz.2018.132
unairnews. (2022). Persepsi Generasi Z dalam Membayar Zakat, Infaq, dan Sedekah Menggunakan Fintech. Unair.Ac.Id.
Wahyuni, S., Nurbaiti, & Harahap, M. I. (2022a). Efektifitas Penerapan Financial Technology ( Fintech ) dan Strategi Fundraising dalam Optimalisasi Penghimpunan ZISWAF ( Zakat , Infak , Sedekah , Wakaf ) ( Studi Kasus Dompet Dhuafa Waspada Sumatera Utara ). JES (Jurnal Ekonomi Syariah), 6(2), 9925–9939. https://doi.org/https://doi.org/10.31004/jptam.v6i2.3992
Wahyuni, S., Nurbaiti, & Harahap, M. I. (2022b). Efektifitas Penerapan Financial Technology (Fintech) dan Strategi Fundraising dalam Optimalisasi Penghimpunan ZISWAF (Zakat, Infak, Sedekah ,Wakaf) (Studi Kasus Dompet Dhuafa Waspada Sumatera Utara). JES (Jurnal Ekonomi Syariah), 6(2), 9925–9939. https://jptam.org/index.php/jptam/article/view/3992
Wardah, S., Armiani, & Gibran, M. A. K. (2024). Pengaruh Fintech dan Media Sosial Dalam Menumbuhkan Minat Membayar Zakat , Infak , dan Sedekah pada Baznas Provinsi Nusa Tenggara Barat. Valid Jurnal Ilmiah, 21(2), 153–161. https://doi.org/10.53512/valid.v21i2.430
Zikri, R., Hijran, M., & Oktariani, D. (2023). The Role of Sharia Economic Education in the Development of National Character. Al-Muqayyad, 6(1), 42–48.