伊斯兰社会融资工具的利用远远落后于预期。为了充分发挥其潜力,必须整合伊斯兰社会融资工具。ThisstudyexaminedsolutionsandprioritystrategiesforintegratingsustainableIslamicsocialfinancethatcouldbeimplementedintheshortandlongtermusingtheBenefit,机会,成本,和风险(BOCR)框架,其中包括六个方面:治理,可持续融资,体制方面,人力资源,法规,和支持技术。这项定性研究采用了分析网络过程(ANP)方法,利用了以下优点,机会,成本,和风险分析。这些数据主要是通过焦点小组讨论和学术界对受访者的深入访谈获得的,从业者,协会,监管者,和社区领袖。受访者因其在选定主题中的专业知识和经验而被选中。使用MicrosoftExcel和SuperDecision软件处理数据。从分析中有几个值得考虑的发现。首先,整合伊斯兰社会融资方面的最高优先事项是人力资源(0.97),条例(0.86),和技术(0.76)。第二,根据短期和长期分析,通过可持续融资实现金融一体化(分别为0.01和1.44)和通过认证和培训提高人力资源质量(分别为0.01和1.56)是整合可持续伊斯兰社会融资的优先解决方案和战略。同时,根据专家判断,整合国家数据(0.24)和优化技术使用(0.18)是优先解决方案和战略。研究结果强调了提高人力资源质量对利用技术的关键作用,专家认为国家数据集成是最关键的解决方案。因此,相关利益相关者关注伊斯兰慈善经理的技术管理培训,目标是最大限度地发挥技术日益增长的作用和采用的潜力。
The utilization of Islamic social finance instruments is far behind what is expected. To realize its full potential, Islamic social finance instruments must be integrated. This study examined solutions and priority strategies for integrating sustainable Islamic social finance that could be implemented in the short and long term using the Benefit, Opportunity, Cost, and Risk (BOCR) framework, which includes six aspects: Governance, sustainable financing, institutional aspect, human resources, regulations, and supporting technology. This qualitative research employed the Analytic Network Process (ANP) method using the benefit, opportunity, cost, and risk analysis. The data were obtained mainly through focus group discussions and in-depth interviews with respondents among academics, practitioners, associations, regulators, and community leaders. The respondents were selected for their expertise and experience in the selected topic. The data were processed using the Microsoft Excel and Super Decision software. There are several findings worth considering from the analysis. First, the highest priority in integrating Islamic social finance aspects are human resources (0.97), regulation (0.86), and technology (0.76). Second, based on the short- and long-term analysis, financial integration through sustainable financing (0.01 and 1.44, respectively) and improving human resource quality through certification and training (0.01 and 1.56, respectively) is a priority solution and strategy to integrate sustainable Islamic social finance. Meanwhile, according to expert judgments, integrating national data (0.24) and optimizing technology use (0.18) are priority solutions and strategies. The findings emphasize the critical role of improving human resource quality to utilize technology, with experts identifying a national data integration as the most critical solution. As a result, relevant stakeholders are concerned about technology management training for Islamic philanthropic managers, with the goal of maximizing the potential of technology\'s growing role and adoption.