Al-Tijary <p style="border-width: thin; text-align: justify;"><strong>AL-TIJARY</strong> (P-ISSN: <a href="" target="_blank" rel="noopener">2460-9404</a>; E-ISSN: <a href="" target="_blank" rel="noopener">2460-9412</a>) is a scholarly periodical published by the Faculty of Economics and Islamic Business Sultan Aji Muhammad Idris State Islamic University Samarinda. It is a peer-reviewed journal of Economics and Islamic Business, including&nbsp;<strong>Islamic Economics, Islamic Business, Islamic banking, Islamic capital markets, Islamic wealth management, issues on </strong><strong>shariah implementation/practices of Islamic banking, Zakat and awqaf, Takaful, Islamic Corporate Finance, Sharia-compliant risk management, Islamic derivatives, Issues of Sharia Supervisory Boards, Islamic business ethics, Islamic Accounting, Islamic Auditing</strong>. The journal is published twice, in June and December.</p> <p style="border-width: thin; text-align: justify;">Jurnal <strong>Al-Tijary</strong> indexed in <a href="" target="_blank" rel="noopener">DOAJ</a>, <a href=";hl=id" target="_blank" rel="noopener">Google Scholar,</a>&nbsp;<a href="" target="_blank" rel="noopener">Sinta</a>, <a href="">Garuda</a>, <a href=";search_text=AL-TIJARY&amp;search_type=kws&amp;search_field=full_search&amp;and_facet_source_title=jour.1285420">Dimensions,&nbsp;</a><a href="">Mendeley</a>, <a href=";afs%3Aip=MONIP&amp;show-adv=0&amp;adv-issn=&amp;adv-title=&amp;adv-publisher=&amp;adv-collectivity=&amp;adv-date-from=&amp;adv-date-to=#.WKkla3_cTIU" target="_blank" rel="noopener">ROAD.</a>&nbsp;</p> Faculty of Islamic Economics and Business Sultan Aji Muhammad Idris State Islamic University Samarinda en-US Al-Tijary 2460-9404 Peran Bank Wakaf Mikro dalam Meningkatkan Kesejahteraan Masyarakat di Papua: Pendekatan Maqshid Syariah <p>The establishment of the Micro Waqf Bank offers a viable approach for mitigating poverty and enhancing the quality of life for individuals.&nbsp;&nbsp; The Micro Waqf Bank aims to enhance individuals' quality of life by offering access to sharia-compliant financial services and business support.&nbsp; The objective of this study is to elucidate the function of the Honai Sejahtera Papua Micro Waqf Bank in enhancing customer well-being from the standpoint of Maqashid Syariah.&nbsp; This study employs a descriptive qualitative research design, utilising primary data collected through interviews and recording.&nbsp; This research involves the process of data analysis, which encompasses data gathering, data reduction, and the derivation of conclusions.&nbsp; The findings of this study demonstrate that the Honai Sejahtera Papua Micro Waqf Bank plays a significant role in achieving the well-being of its customers. This is evidenced by the community's capacity to uphold religious values, safeguard their spiritual well-being, preserve their rationality, ensure the welfare of their descendants, and protect their assets.</p> Oggy Maulidya Perdana Putri Masaalah Marasabessy ##submission.copyrightStatement## 2023-11-26 2023-11-26 9 1 1 10 10.21093/at.v9i1.5315 Word of Mouth or Online Services: What is the Best Determinant of Muzakki’s Preference in Selecting Zakat Agency? <p>The number of national-level zakat institutions has decreased since the implementation of Zakat Law Number 23 of 2011, indicating a more organized zakat administration. Nevertheless, in reality, many muzakki still opt not to distribute their zakat through the existing Zakat Management Organizations (OPZ) in Indonesia. Instead, they prefer to directly give zakat to their chosen mustahik. Despite the importance of paying zakat through zakat institutions, it is crucial to comprehend individuals' preferences in this regard. The main objective of this study is to investigate the factors influencing muzakki's preferences for zakat institutions, including trust, word of mouth, and online services. The research is based on empirical data gathered from 132 respondents in Central Java. Multiple linear regression was employed to test the study hypotheses. The findings reveal that all the examined variables, namely trust, word of mouth, and internet services, significantly influence muzakki's choices for zakat institutions. Further analysis indicates that among these factors, online services play the most significant role in shaping muzakki's preferences. The limitation of the study lies in the research sample where Indonesia consists of 34 provinces and only 1 province is involved in this study. This study presents a summary of the relevance of online services in zakat institutions, as previous research on muzakki preferences on zakat payment has never included online service factor.</p> Martini Dwi Pusparini Nur Azizah Zuhriah Zahroh ##submission.copyrightStatement## 2023-11-26 2023-11-26 9 1 11 22 10.21093/at.v9i1.7112