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All Journal International Journal of Informatics and Communication Technology (IJ-ICT) International Journal of Advances in Applied Sciences At-Taradhi: Jurnal Studi Ekonomi IJIBE (International Journal of Islamic Business Ethics) I-ECONOMICS: A Research Journal on Islamic Economics JURNAL IQTISAD: Reconstruction of Justice and Welfare for Indonesia EKSYAR: Jurnal Ekonomi Syari'ah & Bisnis Islam Jurnal Pendidikan Agama Islam (Journal of Islamic Education Studies) HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Al-Mustashfa Profetika FIKRI : Jurnal Kajian Agama, Sosial dan Budaya Jurnal Pengabdian UntukMu NegeRI AL QUDS : Jurnal Studi Alquran dan Hadis Resona : Jurnal Ilmiah Pengabdian Masyarakat Jurnal TAM (Technology Acceptance Model) Adi Widya : Jurnal Pengabdian Masyarakat al-Afkar, Journal For Islamic Studies Al-Muzara'ah Journal of Islamic Economic Laws QARDHUL HASAN: MEDIA PENGABDIAN KEPADA MASYARAKAT Journal of Indonesian Tourism, Hospitality and Recreation Iqtishoduna: Jurnal Ekonomi Islam AMALIAH: JURNAL PENGABDIAN KEPADA MASYARAKAT Indonesian Journal of Halal Research Media Syari'ah: Wahana Kajian Hukum Islam dan Pranata Sosial Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Al-Azhar Journal of Islamic Economics Al-Awqaf: Jurnal Wakaf dan Ekonomi Islam El-Qist : Journal of Islamic Economics and Business (JIEB) Journal of Sustainable Tourism and Entrepreneurship Nusantara Science and Technology Proceedings Journal of Islamic Economics and Finance Studies AL IQTISHOD: Jurnal Pemikiran dan Penelitian Ekonomi Islam Airlangga International Journal of Islamic Economics and Finance Society : Jurnal Pengabdian dan Pemberdayaan Masyarakat Halal Research Journal Jurnal Ar-Ribh Al-Muamalat : Jurnal Ekonomi Syariah Abdi Psikonomi Talaa : Journal of Islamic Finance Islamiconomic: Jurnal Ekonomi Islam Perbanas Journal of Islamic Economics and Business Proceeding ISETH (International Summit on Science, Technology, and Humanity) International Journal of Management, Entrepreneurship, Social Science and Humanities (IJMESH) International Journal of Emerging Issues in Islamic Studies Velocity: Journal of Sharia Finance and Banking International Journal of Law and Society Equilibrium: Jurnal Ekonomi Syariah Imara: Jurnal Riset Ekonomi Islam Jurnal Kepariwisataan: Destinasi, Hospitalitas dan Perjalanan Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam Muhibbul Arabiyah: Jurnal Pendidikan Bahasa Arab Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan Jurnal Perbankan Syariah Jurnal TAM (Technology Acceptance Model) Al-Infaq : Jurnal Ekonomi Islam ZISWAF: Jurnal Zakat dan Wakaf Profetika: Jurnal Studi Islam Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah BISNIS : Jurnal Bisnis dan Manajemen Islam Arabia: Jurnal Pendidikan Bahasa Arab
Azhar Alam
Universitas Muhammadiyah Surakarta
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Medicine & Pharmacology Physics Social Sciences Other

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Pendampingan dan Pembinaan Sekolah Binaan Internasional di Sekolah Bersepadu Musa-Asiah (SEPAMA) Cambodia: Perintisan Sekolah Islami Jenjang Menengah Pertama Febriandika, Nur Rizqi; Inayati, Nurul Latifatul; Alam, Azhar; Azizi, Muhammad
Abdi Psikonomi Vol 5, No 3 (2024): Desember 2024
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/psikonomi.v5i3.8838

Abstract

Kamboja merupakan suatu negara yang masih dalam area Asia Tenggara dan berbentuk kesatuan dengan penduduknya secara mayoritas berkeyakinan agama budha (97%). Walaupun demikian di bagian wilayah kamboja yakni daerah champ mayoritas beragama Islam dengan corak budaya melayu. Di Champ terdapat pendidikan yang berbasis kepada keislamaan setara sekolah dasar (SD) yaitu Sekolah Bersepadu Musa-Asiah (SEPAMA). SEPAMA berniat untuk membuka di jenjang sekolah menengah pertama (SMP) sebagai satu-satunya sekolah Islam yang ada di jenjang tersebut yang mana sebelumnya hanya selesai di jenjang SD. Dalam kondisi yang membutuhkan bantuan dari pihak luar, SEPAMA membutuhkan pendampingan dan pembinaan dalam aspek kurikulum, manajerial, dan sumber daya manusia. Mereka kesulitan untuk mencari sekolah Islami di jenjang SMP dan satu-satunya opsi yang mereka miliki adalah masuk ke sekolah negeri yang tidak ada muatan keislaman sama sekali. Dengan demikian, keberadaan sekolah setingkat SMP menjadi sangat penting dan dibutuhkan. Oleh sebab itu tim pengabdian melaksanakan pengabdian masyarakat selama 1 tahun di Sekolah Bersepadu Musa-Asiah (SEPAMA) Cambodia yang merupakan satu-satunya sekolah muslim yang ada di Champ yang dikelola oleh Yayasan Musa-Asiah Fondation. Pengabdian masyarakat ini dalam bentuk pendampingan dan pembinaan dalam aspek kurikulum, manajerial, dan sumber daya manusia. Tim pengabdian akan bekerja sama dengan pihak sekolah dalam aspek kurikulum, manajerial, dan sumber daya manusia. Setelah itu, mahasiswa akan diterjunkan di kamboja selama 1 tahun sebagai penutur asing guna mengajarkan dan memonitoring kegiatan.
Exploring user feedback on sharia FinTech apps: a Netnographic study in Indonesia Alam, Azhar; Raihan, Fadhiil Arkanur; Al Bagir, Muhamad; Kurniawan, Adityo Wiwit; Yusuf, Jibrail Bin
International Journal of Informatics and Communication Technology (IJ-ICT) Vol 14, No 2: August 2025
Publisher : Institute of Advanced Engineering and Science

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.11591/ijict.v14i2.pp663-672

Abstract

The rapid growth of Sharia FinTech applications in Indonesia has raised questions about user perceptions and experiences. This study employs a Netnographic approach to explore user feedback on Sharia FinTech apps through reviews posted on the Google Play store. The research analyzed 129 reviews from five Sharia FinTech applications between July and December 2023. The study reveals that 55.10% of users expressed overall satisfaction with the apps, appreciating their ease of use and Sharia compliance. However, significant challenges were identified, with 37.50% of negative reviews related to payment delays and interest issues. Other concerns included system errors, account creation difficulties, and poor customer service. These findings highlight the complex dynamics of user experiences with Sharia FinTech applications, demonstrating a generally positive reception but also pointing to critical areas for improvement. The study contributes to the understanding of Sharia FinTech adoption in Indonesia and provides valuable insights for application developers and Islamic microfinance institutions to enhance their services and address user concerns.
A QUALITATIVE ANALYSIS OF USER INTERFACE DESIGN ON A SHARIA FINTECHAPPLICATION BASED ON TECHNOLOGY ACCEPTANCE MODEL (TAM) Azhar Alam; Ilham Aji Saputro
Jurnal TAM (Technology Acceptance Model) Vol 13, No 1 (2022): Jurnal TAM (Technology Acceptance Model)
Publisher : LPPM STMIK Pringsewu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56327/jurnaltam.v13i1.1142

Abstract

This research aims to discuss user interface design analysis on the use of Sharia applications based on the technology acceptance model and sharia principles. This research wants to illustrate the assessment results of the initial view and know-how easy to use in a Sharia fintech application, namely Sharia funds. This study interviewed ten respondents from young and old, both young and old, who had not used this application or who were already using it. This study uses a type of qualitative research with the Grounded Theory method to explain the phenomenon specifically. The results showed that the User Interface in Dana Syariah application, which is assessed in terms of Consistency, Personality, Layout,  and control and affordances, could be said almost all views make it easy for users young and old. However, there are some drawbacks, perhaps due to less innovative colors. There are few constraints found for older and above average users who find it difficult to distinguish some of that application's particular functions. This research recommends Islamic fintech application providers to pay better attention to the user interface while inviting academics in Sharia economics to evaluate fintech applications' use to develop a faster Islamic economy.
Comparison Analysis Of Murabahah And Mudharabah Financing Risk Management From Sharia Micro-Finance Institutions Hamidah, Raisa Aribatul; Alam, Azhar; Izzuddin, Azzam
Jurnal Ar-Ribh Vol 5, No 1 (2022): April 2022
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jei.v5i1.7521

Abstract

This study aims to reveal the phenomenon in the field about the description of the comparison of risk management strategies between murabahah financing and mudharabah financing from the BMT side. This study uses descriptive qualitative research methods, through data collection methods in the form of interviews. The researcher interviewed 9 respondents who have experience in dealing with the risks of murabahah financing and mudharabah financing at BMT. This study shows risk mitigation efforts so that risks do not occur in both contracts, namely BMT tightens the selection stage because in both contracts BMT must measure the level of business risk of its members in calculating profits or in returning funds so as not to have the opportunity to harm both parties and the financial statements must also be transparent. This study also suggests that in murabahah financing and mudharabah financing, BMT must strictly apply the precautionary and appropriate principles to maintain institutional health in order to minimize the risks that occur. This research is expected to be a reference for BMT in terms of innovative strategies to overcome the risks of mudharabah and murabahah financingRisk Management, Murabaha Financing, Mudhrabah Financing, Islamic Microfinance Institutions (BMT)
Dampak Biaya Operasional terhadap Profitabilitas Perbankan: Meneliti Efek Moderasi Penerapan Green Banking dan Jenis Bank pada Perbankan Syariah dan Konvensional Alam, Azhar; Nugroho, Wisnu Adji; Rosyadi, Imron
Jurnal Perbankan Syariah Vol. 4 No. 1 (2025): Jurnal Perbankan Syariah
Publisher : Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jps.v4i1.12920

Abstract

This study investigates the effect of operational costs on bank profitability in Indonesia, focusing on the moderating roles of green banking practices and bank type (Islamic versus conventional). Using panel data from five Islamic and five conventional banks for 2022–2023, the analysis employs Chow, Hausman, and Lagrange Multiplier tests to determine the most appropriate model, with the Random Effect Model selected for hypothesis testing. The results show that operational costs significantly negatively affect bank profitability, as measured by Return on Assets (ROA), confirming that higher operational costs reduce profitability. While statistically insignificant, the moderating effect of green banking indicates a positive direction, suggesting that adopting green banking can potentially mitigate the negative impact of operational costs on profitability. Furthermore, the interaction between operational costs and bank type reveals that Islamic banks are less sensitive to operational cost increases than conventional banks. However, this moderating effect is also statistically insignificant. These findings highlight the importance of efficient cost management and the strategic adoption of green banking, especially in Islamic banks, to enhance profitability. The study contributes to the literature by providing empirical evidence on the interplay between operational efficiency, sustainability practices, and bank type in the Indonesian banking sector.
Market-Oriented Fundraising in Government Zakat Institutions: Evidence from Central Java, Indonesia Alam, Azhar; Jannah, Nur; Nisa', Eka Lutfia Khoirun; Isman
Velocity: Journal of Sharia Finance and Banking Vol 5 No 1 (2025): Mei 2025
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/velocity.v5i1.10311

Abstract

This study examines how government zakat institutions, specifically BAZNAS Solo, Boyolali, and Sragen, employ market-oriented fundraising strategies to enhance muzakki participation and trust in zakat distribution. Using a qualitative descriptive approach, data were collected through in-depth interviews with 10 BAZNAS officers and 10 muzakki, supplemented by relevant literature on market-oriented fundraising. The qualitative method was selected to capture the nuanced perspectives and contextual factors influencing the effectiveness of these strategies, which may not be fully understood through quantitative measures alone. The findings reveal that all three BAZNAS utilize digital applications (such as Simba lite and Muzakki Corner), community training, targeted socialization, and partnerships with online marketplaces and local organizations to increase zakat collection and public trust. However, challenges persist, including limited digital literacy among some donors and the need for improved transparency and accountability. These results highlight the importance of adaptive fundraising strategies for government zakat institutions and suggest that future research could benefit from a mixed-methods approach to evaluate the impact and scalability of these innovations.
Comparative Legal Analysis of Stunning Methods in Halal Animal Slaughter Between Muslim-Majority and Muslim-Minority Countries Kurniawan, Adityo Wiwit; Alam, Azhar; Yuspin, Wardah; Rizka
International Journal of Law and Society Vol 4 No 1 (2025): International Journal of Law and Society (IJLS)
Publisher : NAJAHA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59683/ijls.v4i1.103

Abstract

The global halal industry is growing rapidly, driven by the growth of the Muslim population and increasing demand for products that meet sharia standards and animal welfare. One of the central issues in this industry is the method of stunning in the slaughter of halal animals, which has sparked debate between sharia principles and modern animal welfare standards. This study conducts a comparative legal analysis of stunning methods in halal animal slaughter between majority Muslim countries (Indonesia, Malaysia, and Saudi Arabia) and minority Muslim countries (the United Kingdom, the United States, and Australia). The results show that Muslim-majority countries generally accept stunning methods with strict conditions in accordance with Sharia principles, such as MUI Fatwa No. 12/2009 and Malaysian Halal standards, which permit stunning as long as the animal remains alive during slaughter. Conversely, Muslim-minority countries require stunning to meet international animal welfare standards, although they grant exceptions for ritual halal slaughter in the interest of religious freedom. The study also revealed differences in fatwas, such as Aceh's ban on all forms of stunning, which is deemed contrary to the principle of ihsan and increases animal suffering. These regulatory differences reflect the challenges of harmonizing Sharia principles with modern animal welfare standards and global market demands. Therefore, interdisciplinary dialogue between religious scholars, scientists, and halal industry stakeholders is essential to develop evidence-based stunning standards, operator training, and consumer education to support the sustainable and globally trusted modernization of the halal industry.
Webinar Dan Pelatihan Digital Marketing sebagai upaya meningkatkan promosi produk UMKM Wulandari, Zuli; Alam , Azhar; Purbo Tyas, Gharnis; Syahidah, Yasmin
Jurnal Pengabdian UntukMu NegeRI Vol. 5 No. 2 (2021): Pengabdian Untuk Mu negeRI
Publisher : LPPM UMRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37859/jpumri.v5i2.3055

Abstract

Di masa pandemi Covid-19 ini banyak pelaku UMKM yang kesulitan memasarkan usahanya. Sehingga digital marketing menjadi solusi yang tepat untuk membantu pemasaran usaha dengan memanfaatkan teknologi digital. Pemasaran tersebut bisa melalui media sosial seperti Instagram dengan membuat konten yang menarik. Objek pengabdian ini adalah pelaku UMKM yang berada di desa Makamhaji, kecamatan Kartasura, kabupaten Sukoharjo, Jawa Tengah dan masyarakat sekitar Solo Raya. Tujuan pengabdian kepada masyarakat ini adalah memberikan edukasi kepada masyarakat terutama pelaku usaha seputar strategi digital marketing dan memberikan pelatihan cara mengoptimalkan akun bisnis menggunakan ternak database, pembuatan konten kalender dan pembuatan konten Instagram menggunakan aplikasi Canva. Metode pengabdian dilakukan dengan cara daring melalui webinar penyuluhan menggunakan aplikasi zoom meeting selama satu hari dan dilanjutkan dengan pelatihan digital marketing selama tiga hari menggunakan WhatsApp Group. Hasil dari kegiatan pengabdian peserta mampu memahami strategi pemasaran yang baik menggunakan pemasaran digital. Sedangkan melalui pelatihan peserta mendapatkan pembelajaran cara mengoptimalkan ternak database, membuat konten Instagram menggunakan aplikasi Canva dan perancangan schedule konten Instagram serta dapat mempraktikannya.
Penyuluhan Webinar Kajian Fatwa MUI Tentang Akad Murabahah di Komunitas Pegiat Ekonomi Syariah di Surakarta Alam, Azhar; Cahyaningrum, Linda Islam; Rama, Nabila Rahmawati; Hamidah, Raisa Aribatul
Jurnal Pengabdian UntukMu NegeRI Vol. 6 No. 2 (2022): Pengabdian Untuk Mu negeRI
Publisher : LPPM UMRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37859/jpumri.v6i2.3679

Abstract

The community of Islamic economic activists in Surakarta and surrounding areas is committed to advancing the sharia economy. They form a community to carry out discussions and outreach studies to increase Islamic economic literacy. Financial literacy in general or mainly in Islamic economics is still very low in Indonesian society, so it requires significant efforts to increase literacy through outreach activities. Murabahah contract is the most common contract widely used in Islamic economic activities by Islamic financial institutions, banking, and microfinance. This outreach activity aims to increase the knowledge of the community of Islamic economic activists in Surakarta and its surroundings regarding the study of the fatwa on murabahah contracts and current issues related to one of the muamalah contracts. Contract problems and disputes that occur in the relationship of Islamic financial institutions with customers or customers are also dominated by Murabahah contracts. Murabahah contract is also a contract with a nominal amount of transactions large enough to take the form of a sharia financing syndicate with a Murabahah contract. This counseling activity suggests that every party involved in a murabahah contract is obliged and needs to uphold what has been contracted.
Comparison Analysis Of Murabahah And Mudharabah Financing Risk Management From Sharia Micro-Finance Institutions Hamidah, Raisa Aribatul; Alam, Azhar; Izzuddin, Azzam
Jurnal Ar-Ribh Vol. 5 No. 1 (2022): April 2022
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jei.v5i1.7521

Abstract

This study aims to reveal the phenomenon in the field about the description of the comparison of risk management strategies between murabahah financing and mudharabah financing from the BMT side. This study uses descriptive qualitative research methods, through data collection methods in the form of interviews. The researcher interviewed 9 respondents who have experience in dealing with the risks of murabahah financing and mudharabah financing at BMT. This study shows risk mitigation efforts so that risks do not occur in both contracts, namely BMT tightens the selection stage because in both contracts BMT must measure the level of business risk of its members in calculating profits or in returning funds so as not to have the opportunity to harm both parties and the financial statements must also be transparent. This study also suggests that in murabahah financing and mudharabah financing, BMT must strictly apply the precautionary and appropriate principles to maintain institutional health in order to minimize the risks that occur. This research is expected to be a reference for BMT in terms of innovative strategies to overcome the risks of mudharabah and murabahah financingRisk Management, Murabaha Financing, Mudhrabah Financing, Islamic Microfinance Institutions (BMT)
Co-Authors Abdelsalam Adam Hamid Achmad Fajar Sidiq Ade Indra Adi Saifurrahman Adinda Putri Cahyani Aditya Nurrahman Aditya Nurrahman Aditya Nurrahman Aditya Nurrahman Adityo Wiwit Kurniawan Adriansyah, Ikhwan Afief El Asfahany Afief El Ashfahany Afiq Miftahurizqi Alhaq Al Bagir, Muhamad Aminudin Ma'ruf Anggraeni, Arum Angrinda Anggih Umi Kulsum Anis Ulul Hikmah Anisa Nur Faizah Annajaty, Abdulloh Yahya Ari Prasetyo Arina Saputri Arum Anggraeni Arum Mawadati Muthoharoh Azizah Fathma Azizi, Muhammad Azzam Izzuddin Bafana, Faiz Adib Bayu Arie Fianto Boby Habibi Cahyaningrum, Linda Islam Chabibatul Mu’awanah Chantarungsri, Chariyada Danang Dwi Nurrochman Dedi Junaedi Delvia Rusita Purnamasari Devi Wijayanti Deviana Sari Dewi Permata Sari Dian Nofitri Diana Setiawati Dicky Trio Adi Saputro Eka Lutfia Khoirun Nisa Eni Setyowati Estina Rahmawati Faizah, Anisa Nur Fatimah Salma Azzahra Fatmawati Fatmawati Fauzul Hanif Noor Athief Fiky Nila Mustika Galuh Thifal Anggraeni Hamidah, Raisa Aribatul Hamidah, Raisa Aribatul Harun Hidayati, Sukri Ilham Aji Saputro Imron Rosyadi Imron Rosyadi Indira Rahma Annisa Indriyani, Latifah Isman Isman Isman Izzuddin, Azzam Jamil, Fadila Ainur Jim, Mahafizur Rahman Kintan Indah Sriwahyuni Kusnul Khotimah Lukman Hakim Luthfi Aria Widyatama Mirza M. Mus’ab At-Thariq M. Rizal Arsyad Marissa Grace Haque Maulidyah Indira Hasmarini Muchamad Rizsal Sulistiyanto Muhamad Al Bagir Muhamad Nafik Hadi Ryandono Muhamad Taufik Hidayat Muhammad Anas Muhammad Hanif al Hakim Muhammad Sholahuddin Muhammad Zulkifli, Muhammad Musliah Isnaini Rahmawati Mustika, Fiky Nila Nida’ Al-Karimah Makkawi Nisa', Eka Lutfia Khoirun Nisrina Mar-atus Sholihah Nizam, Renaldi Sahrul Nofitri, Dian Novie Dwi Lestari Nugroho, Wisnu Adji Nur Aini Nur Jannah Nur Kasanah, Umi Nur Puji Rohmawati Nur Rizqi Febriandika Nurrahman, Aditya Nurrahman, Aditya Nurul Latifatul Inayati Prestiyono, Bagus Ledi Priandana, Damara Purbo Tyas, Gharnis Raditya Sukmana Rafi Siregar Rahayu Puji Lestari Raihan, Fadhiil Arkanur Raisa Aribatul Hamidah Raisa Aribatul Hamidah Rama, Nabila Rahmawati Refita Yunie Samhuri Renaldi Sahrul Nizam Ririn Tri Ratnasari Rizka Rizka Sanitra Septiana Sholikah, Nikmatus Sidiq, Achmad Fajar Siti Nurbaya Siti Nurbaya Sri Herianingrum Suranto Suranto Suratman, Asyifa Syauqi Syahidah, Yasmin Syaraf, Ahsan Barra Tata Leni Lestari Tika Widiastuti Triyono Adi Saputro Umi Nur Kasanah Wahyu Intan Kusumastuti Wardah Yuspin Wiguna, Aditama Chandra Wijayanti, Devi Wulandari, Zuli Yuli Tri Utami Yunie Samhuri, Refita Yusuf, Jibrail Bin Zifamina, M. Zainul Haq Fiddin