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Enhancing Accountability in Hajj Fund Governance Through Regulatory Impact Analysis and Value Chain Model

International Journal of Cyber and IT Service Management · Vol. 5 No. 2 (2025)

DOI
10.34306/ijcitsm.v5i2.205
ISSN
2808-554X, 2797-1325
Terbit
2025-09-16
Penerbit
Pandawan Sejahtera Indonesia
Bahasa
en
Lisensi
creativecommons.org/licenses/by/4.0/

Abstrak

This study analyzes the effectiveness of Indonesia's Hajj financial management regulations following the establishment of the Hajj Financial Management Agency (BPKH) under Law No. 34 of 2014. With increasing pilgrim demand exceeding available quotas, effective management of accumulated Hajj funds has become critical for ensuring pilgrim welfare and maintaining public trust. The research employs Value Chain Analysis and Regulatory Impact Assessment (RIA) methodologies through expert interviews and questionnaire surveys with key stakeholders. Value Chain Analysis identified nine key activities within BPKH's operations, while RIA evaluated policy impacts through systematic assessment of costs, benefits, and stakeholder perspectives. Findings reveal that BPKH's establishment significantly improved Hajj financial management with 100% expert consensus on enhanced transparency, efficiency, and accountability. However, the policy framework remains suboptimal due to service disparities among pilgrims, suboptimal investment returns, and incomplete institutional coordination. The study concludes that Law No. 34/2014 represents significant advancement in establishing clearer investment parameters and accountability frameworks, though digital transformation challenges persist. The research recommends strengthening investment risk management, expanding virtual account systems, and prioritizing comprehensive digital infrastructure development including IoT integration for operational monitoring, artificial intelligence for investment optimization, and blockchain technology for enhanced security while maintaining Sharia compliance.

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40 penulis · 79 tautan kepenulisan bersama · 20 lintas organisasi · menampilkan 40 yang paling banyak terhubung

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  • IPB University
  • Bank Indonesia
  • Universitas Islam Negeri Antasari Banjarmasin
  • Universitas Tazkia
  • Sunan Gunung Djati State Islamic University Bandung
  • Lambung Mangkurat University
  • Afiliasi tidak diketahui
  • Organisasi berbeda
  • Organisasi sama
  • Afiliasi tidak diketahui
  • Garis lebih tebal = lebih banyak artikel bersama · lingkaran lebih besar = lebih banyak artikel
Tampilkan sebagai tabel
Rekan penulisOrganisasiArtikel bersama
Linda Karlina SariIPB University2
Zenal AsikinIPB University2
Dedi Budiman HakimIPB University2
Mohammad Iqbal IrfanyIPB University2
Ascarya AscaryaBank Indonesia2
Febriann Dedy SyahputraIPB University1
Hesti WerdaningtyasIPB University1
Anny RatnawatiIPB University1
Tony IrawanIPB University1
Dikky IndrawanIPB University1
Priscilla Maulina Juliani SiregarAfiliasi tidak diketahui1
Ossi FerliAfiliasi tidak diketahui1
Trias AndatiIPB University1
Muhammad Fatih Al AzizIPB University1
Achmad FirdausUniversitas Tazkia1
Eka Octavian PranataIPB University1
Mimin AminahIPB University1
Herlin HerlinAfiliasi tidak diketahui1
Toni BakhtiarIPB University1
Ferry SyarifuddinBank Indonesia1
Heni HasanahIPB University1
Solihin SolihinSunan Gunung Djati State Islamic University Bandung1
Imam Teguh SaptonoAfiliasi tidak diketahui1
Bambang JuandaIPB University1
Danti AstriniIPB University1
Bagus SartonoIPB University1
Sri MurtiyantiIPB University1
Sri MaulidaLambung Mangkurat University1
Budi Rahmat HakimUniversitas Islam Negeri Antasari Banjarmasin1
Fahmi Al AmruziUniversitas Islam Negeri Antasari Banjarmasin1
Rifki IsmalBank Indonesia1
Reza MustafaAfiliasi tidak diketahui1
Hermanto SiregarIPB University1
SuhendiIPB University1
Laily Dwi ArsyiantiIPB University1
Ulfah Laelatul HilmiyahIPB University1

Afiliasi berasal dari OpenAlex; metadata OAI-PMH jurnal tidak memuatnya. Penulis tanpa ID OpenAlex dicocokkan berdasarkan nama, sehingga dua orang bisa tergabung atau satu orang bisa terpisah.

Sumber metadata: OAI-PMH (metadata jurnal) https://iiast.iaic-publisher.org/ijcitsm/index.php/IJCITSM/oai, pertama di-harvest 6 Nov 2026, terakhir terlihat 8 Nov 2026.
Metadata asli (oai_dc) 
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	<dc:title xml:lang="en">Enhancing Accountability in Hajj Fund Governance Through Regulatory Impact Analysis and Value Chain Model</dc:title>
	<dc:creator xml:lang="en">Zulkarnain, Achmad Iskandar</dc:creator>
	<dc:creator xml:lang="en">Achsani, Noer Azam</dc:creator>
	<dc:creator xml:lang="en">Siregar, Mulya</dc:creator>
	<dc:creator xml:lang="en">Beik, Irfan Syauqi</dc:creator>
	<dc:subject xml:lang="en">Integration</dc:subject>
	<dc:subject xml:lang="en">Risk Management Maturity</dc:subject>
	<dc:subject xml:lang="en">SOE Holding</dc:subject>
	<dc:subject xml:lang="en">Ultra Micro</dc:subject>
	<dc:subject xml:lang="en">SEM</dc:subject>
	<dc:description xml:lang="en">This study analyzes the effectiveness of Indonesia's Hajj financial management regulations following the establishment of the Hajj Financial Management Agency (BPKH) under Law No. 34 of 2014. With increasing pilgrim demand exceeding available quotas, effective management of accumulated Hajj funds has become critical for ensuring pilgrim welfare and maintaining public trust. The research employs Value Chain Analysis and Regulatory Impact Assessment (RIA) methodologies through expert interviews and questionnaire surveys with key stakeholders. Value Chain Analysis identified nine key activities within BPKH's operations, while RIA evaluated policy impacts through systematic assessment of costs, benefits, and stakeholder perspectives. Findings reveal that BPKH's establishment significantly improved Hajj financial management with 100% expert consensus on enhanced transparency, efficiency, and accountability. However, the policy framework remains suboptimal due to service disparities among pilgrims, suboptimal investment returns, and incomplete institutional coordination. The study concludes that Law No. 34/2014 represents significant advancement in establishing clearer investment parameters and accountability frameworks, though digital transformation challenges persist. The research recommends strengthening investment risk management, expanding virtual account systems, and prioritizing comprehensive digital infrastructure development including IoT integration for operational monitoring, artificial intelligence for investment optimization, and blockchain technology for enhanced security while maintaining Sharia compliance.</dc:description>
	<dc:publisher xml:lang="en">Pandawan Sejahtera Indonesia</dc:publisher>
	<dc:date>2025-09-16</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://iiast.iaic-publisher.org/ijcitsm/IJCITSM/article/view/205</dc:identifier>
	<dc:identifier>10.34306/ijcitsm.v5i2.205</dc:identifier>
	<dc:source xml:lang="en">International Journal of Cyber and IT Service Management; Vol. 5 No. 2 (2025): October; 198−213</dc:source>
	<dc:source>2808-554X</dc:source>
	<dc:source>2797-1325</dc:source>
	<dc:source>10.34306/ijcitsm.v5i2</dc:source>
	<dc:language>en</dc:language>
	<dc:relation>https://iiast.iaic-publisher.org/ijcitsm/IJCITSM/article/view/205/141</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2025 Achmad Iskandar Zulkarnain, Noer Azam Achsani, Mulya Siregar, Irfan Syauqi Beik</dc:rights>
	<dc:rights xml:lang="en">https://creativecommons.org/licenses/by/4.0/</dc:rights>
</oai_dc:dc>