Model of Integration of the Islamic Human Development Index and Digital Zakat on the Economic Resilience of Communities in Jambi Province

Abstract

This study aims to analyze the influence of the Islamic Human Development Index (I-HDI), digital zakat-waqf and sustainable Islamic microfinance on strengthening the economic resilience of communities in Jambi Province. The research is motivated by the persistent regional development disparities, the suboptimal utilization of zakat and waqf potential, and the limited access of vulnerable groups to productive financial resources. Islamic development, grounded in the principles of maqasid shariah, provides a comprehensive framework that integrates material, spiritual, moral and social dimensions in improving human welfare and economic stability. A quantitative approach with an explanatory research design was employed. Data were collected through questionnaires, interviews and observations involving mustahik, microfinance beneficiaries and micro–small business actors in Jambi Province. The data were analyzed using Structural Equation Modelling–Partial Least Squares (SEM-PLS) with SmartPLS 4 software. The findings are expected to offer empirical evidence regarding the significant roles of I-HDI, digital zakat-waqf and sustainable Islamic microfinance in enhancing community economic resilience. Theoretically, this study contributes to the development of Islamic economics literature, particularly the integration of Islamic human development indicators, digital Islamic philanthropy and sustainable Islamic microfinance. Practically, the research provides policy recommendations for local governments, zakat–waqf institutions and Islamic microfinance organizations to support inclusive and sustainable Islamic economic development in Jambi Province.