Nabila Felicia Hasrimy, Yenni Samri Juliati Nasution, Nurul Jannah

The Influence Of Increased Income From Mudharabah Profit Sharing On Customers' Interest In Paying Zakat (Case Study Of Bank Sumut Syariah Kcp Marelan Raya)

Introduction

The influence of increased income from mudharabah profit sharing on customers' interest in paying zakat (case study of bank sumut syariah kcp marelan raya). Discover how increased mudharabah profit sharing income influences customers' interest in paying zakat at Bank Sumut Syariah. Explore its role in economic balance and poverty reduction.

Abstract

Zakat is an important instrument in balancing the economy and reducing poverty levels in society. However, the awareness of some people in paying zakat is still low, especially among Islamic banking customers. In this context, the increase in income from mudharabah contracts in Islamic banks is expected to encourage customers' interest in paying zakat, considering that zakat is an obligation for those who have reached the criteria as muzakki. The purpose of this study is to see how the effect of increasing income on interest in paying zakat. The research method used is descriptive research with a quantitative approach. The sample in this study amounted to 90 respondents and the data were analyzed by Multiple Linear Regression Test. The results of this study indicate a significant influence between income and interest in zakat with a p-value of 0.000 (

Review

The study, "The Influence Of Increased Income From Mudharabah Profit Sharing On Customers' Interest In Paying Zakat," addresses a crucial topic within Islamic economics and finance: the low awareness of zakat payment among Islamic banking customers despite its significant role in economic balancing and poverty reduction. The authors aim to investigate whether an increase in income derived from mudharabah profit sharing contracts can positively influence customers' interest in fulfilling their zakat obligations. This research is particularly relevant given the emphasis on zakat as a tool for economic empowerment and the potential role of Islamic financial institutions in fostering this awareness, with Bank Sumut Syariah Kcp Marelan Raya serving as the specific case study. Employing a descriptive quantitative approach, the study utilized a sample of 90 respondents from the specified Islamic bank branch. The data collected was subsequently analyzed using Multiple Linear Regression, a suitable statistical method for examining the relationship between an independent variable (income) and a dependent variable (interest in paying zakat). The core finding of the research is compelling: a significant influence was identified between income and interest in zakat, evidenced by a p-value of 0.000. This result empirically supports the hypothesis that higher income can indeed be a significant driver for customers' willingness to pay zakat, reinforcing the interconnectedness of financial prosperity and religious observance within an Islamic economic framework. While the study provides valuable preliminary insights into a significant issue, there are areas for consideration and future development. A key limitation stems from its single case study design, which restricts the generalizability of the findings to other Islamic banking institutions or regions. Future research would benefit greatly from expanding the sample to include multiple banks or a broader geographical scope to enhance external validity. Furthermore, the abstract, while clear on the statistical significance, does not delve into potential mediating or moderating factors such as financial literacy, religious conviction, trust in zakat distribution channels, or the convenience of payment mechanisms. Exploring these deeper dimensions through qualitative or mixed-methods approaches could offer a more nuanced understanding of *why* increased income translates into greater interest in zakat payment. Nevertheless, this study serves as a good foundation for further exploration into fostering zakat awareness among Islamic banking customers.

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