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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 EKSYAR: Jurnal Ekonomi Syari'ah & Bisnis Islam Jurnal Al-Qardh 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 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
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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Sharia Swimming Pool: A Practice and the Factors that Affect Consumers Alam, Azhar; Sukmana, Raditya; Sholikah, Nikmatus; Jim, Mahafizur Rahman
Indonesian Journal of Halal Research Vol. 6 No. 1 (2024): February
Publisher : UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/ijhar.v6i1.14471

Abstract

The swimming pool is a part of tourism, entertainment, and sports activities. The development of halal tourism demands swimming pool facilities that can better meet Sharia principles that benefit Muslim consumers. This study aims to reveal Sharia swimming pool management practices and explore why its customers choose Sharia swimming pools over conventional swimming pools. This research was conducted to reveal the halal lifestyle that has penetrated halal tourism, including swimming pools based on Sharia principles. This study uses a phenomenological approach to reveal the phenomenon of swimming pool practices and factors that affect its customers. This study interviewed 15 people with characteristics of high-intensity Sharia swimming pool use. It revealed that Islamic pool management practices include rules for members to enter, swimwear, facilities, and services provided. This study explores the factors influencing Islamic pool consumers by grouping them internally and externally. Internal factors impacting Sharia swimming pool users include comfort, halal lifestyle, and health. At the same time, the support of facilities, encouragement from others, and unpleasant experiences in public or traditional swimming pools are part of external factors. This study is expected to become a reference for Sharia swimming pool management practices and evidence of the findings of factors that encourage consumers to choose Sharia swimming pools.
MANAJEMEN WAKAF PRODUKTIF DAN TANTANGANNYA DI MAJELIS WAKAF DAN KEHARTABENDAAN PDM SURAKARTA Azhar Alam; Musliah Isnaini Rahmawati; Aditya Nurrahman
Profetika: Jurnal Studi Islam Vol. 23, No. 1, Juni 2022
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/profetika.v23i1.16799

Abstract

Pengelolaan wakaf merupakan bagian penting dalam menentukan kemajuan ekonomi umat termasuk dalam sebuah organisasi masyarakat Muhammadiyah. Namun demikian, penelitian terkait wakaf di Muhammadiyah masih berjumlah sedikit. Tujuan dari penlitian ini adalah untuk mengetahui pengelolaan wakaf produktif pada Majelis Wakaf Dan Kehartabendaan Pimpinan Daerah Muhammadiyah Kota Surakarta serta untuk mengetahui kendala yang dialami Majelis Wakaf Dan Kehartabendaan Pimpinan Daerah Muhammadiyah Kota Surakarta dalam melaksanakan kegiatan wakaf produktif. Metode penelitian yang digunakan adalah kualitatif deskriptif. Jenis data yang digunakan adalah data primer dan sekunder. Data primer diperoleh melalui wawancara kepada tiga pihak Majelis Wakaf & Kehartabendaan PDM Kota Surakarta, dua orang pewakif, dan empat pengurus bangunan wakaf. Hasil dari penelitian ini menunjukkan bahwa pengelolaan wakaf produktif pada Majelis Wakaf & Kehartabendaan PDM Kota Surakarta sudah berjalan sesuai dengan syarat dan rukun yang ditentukan. Proses perwakafan pada saat akad penyerahan harta benda wakaf juga dilakukan sesuai syariat Islam yaitu dengan membawa dua orang saksi, pembacaan ikrar wakaf dipandu oleh pihak PPAIW, kemudian tahap terakhir yaitu penerbitan sertifikat wakaf menjadi harta benda milik persyerikatan. Namun dalam penelitian ini ditemukan kendala yang dialami Majelis Wakaf & Kehartabendaan PDM Kota Surakarta yaitu kurangnya pengertian masyarakat mengenai wakaf produktif sehingga dapat menyebabkan kegiatan perwakafan berjalan kurang maksimal. Kendala lainnya yaitu masalah keuangan, karena keuangan memiliki peran penting dalam menjalankan kegiatan perwakafan. Hal tersebut dapat menjadi referensi bagi Lembaga perwakafan untuk mempersiapkan strategi-strategijangka Panjang untuk menghadapi kendala-kendala tersebut.
Peningkatan Literasi Keuangan Digital Melalui Pelatihan Penggunaan Aplikasi Personal Finance pada Anggota BMT Center Kube Karanganyar Fathma, Azizah; Adinda Putri Cahyani; Anis Ulul Hikmah; Alam, Azhar
Society : Jurnal Pengabdian dan Pemberdayaan Masyarakat Vol. 7 No. 1 (2026): Vol. 7 No. 1, April 2026
Publisher : Universitas Dinamika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37802/society.v7i1.1102

Abstract

The level of digital financial literacy in Indonesia remains below the average of other ASEAN countries such as Malaysia, Thailand, and Singapore. This community service program aims to enhance digital financial literacy among members of BMT Center Kube Karanganyar through training on the use of a personal finance application, FINKU. As a leading cooperative in Karanganyar, BMT Center Kube has consistently provided training and empowerment programs for its members. However, many members still do not manage their personal finances routinely or effectively. The program was implemented using a participatory approach, involving not only the delivery of financial literacy materials but also hands-on practice and discussion sessions on the use of the FINKU application. This application helps users record income and expenses, set budgets, and monitor financial goals through integration with banking and e-wallet platforms. The results of the program indicate an improvement in participants' understanding and practical skills in financial management. Participants began to adopt better financial behavior, including regular financial tracking and more conscious budgeting. Furthermore, enhanced personal financial management among members is expected to contribute to a reduction in the cooperative’s non-performing financing (NPF) rate, which in turn can strengthen the financial performance of BMT and increase beneficial for its members.
مقاطعة المنتجات الداعمة لإسرائيل بين التضامن الأخلاقي وواقع السوق: تحليل نقدي متعدد الأبعاد لفجوة الوعي الرمزي والأثر البنيوي في سلوك المستهلكين في الجنوب العالمي: Boycotting Products Pro-Israel: A Multi-Dimensional Critical Analysis of the Symbolic Awareness Gap and Structural Impact on Consumer Behavior in the Global South Annajaty, Abdulloh Yahya; Isman, Isman; Alam, Azhar
Proceeding ISETH (International Summit on Science, Technology, and Humanity) 2025: Proceeding ISETH (International Summit on Science, Technology, and Humanity)
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Campaigns to boycott products related to Israel or support them are on the rise in the countries of the Global South as a political consumption behavior that combines moral solidarity and symbolic pressure on companies. However, the power of the campaign in the public sphere does not necessarily mean the power of the impact in the market or in the political-economic structures that support the conflict. This article aims to provide a multi-dimensional critical analysis of symbolic awareness gaps and structural impacts based on the current literature (2021–2025) on boycotts, political consumption, and digital activism, by reinforcing the theoretical framework with quantitative and qualitative evidence from studies in East Asia (Indonesia and Malaysia). This article uses a composite approach that includes: (1) a selective methodological review of recent research in accordance with defined transparency standards, (2) an interpretive model that combines Planned Behavior Theory (SDP), Social Identity Theory (SIT), and a political economy approach to global value chains (GVCs), (3) comparative analysis supported by field evidence on the role of religiosity, perceived efficiency, and and local alternatives in converting intentions into actual behaviors. The article concludes that to reduce the gap, boycotts must be transformed from moral indicators to market governance tools based on supply chain transparency, support programs for local alternatives, and ESG accountability mechanisms.
مقاصد الشريعة في المعاملات المالية ودورها في تحقيق العدالة الاقتصادية: Maqashid Syariah in Financial Transactions and Its Role in Achieving Economic Justice Zifamina, M. Zainul Haq Fiddin; Alam, Azhar
Proceeding ISETH (International Summit on Science, Technology, and Humanity) 2025: Proceeding ISETH (International Summit on Science, Technology, and Humanity)
Publisher : Universitas Muhammadiyah Surakarta

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Abstract

The purpose of this research is to study the role of sharia maqashid in regulating financial transactions and achieving economic justice, through an analysis of the basics of maqashid that are the foundation of the Islamic financial system, as well as explaining their impact on the protection of rights, achieving a balance between individual interests and public interests, and reducing the practice of injustice and economic exploitation. This study uses an analytical descriptive method, with the application of an inductive approach to trace sharia texts and the opinions of scholars, as well as a comparative approach to highlight the differences between maqashid's view of Islamic economics and some conventional economic views. This study concludes that sharia maqashid, especially in safeguarding wealth, realizing justice, and eliminating difficulties, is a comprehensive ethical and legislative framework that contributes to the development of a fair and sustainable financial system, as well as being able to face contemporary economic challenges. The authenticity of this research lies in the relationship between maqashid theory and the practical application of modern financial transactions, which strengthen economic justice and inclusive development.
تحليل سياسات الحكومة في إدارة أموال الحج: تزامن القانون رقم 34 لعام 2014 مع مبادئ الشريعة الاقتصادية: Analysis of Government Policies in the Management of Hajj Funds: The Conformity of Law Number 34 of 2014 with the Principles of Economic Sharia Prestiyono, Bagus Ledi; Alam, Azhar
Proceeding ISETH (International Summit on Science, Technology, and Humanity) 2025: Proceeding ISETH (International Summit on Science, Technology, and Humanity)
Publisher : Universitas Muhammadiyah Surakarta

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Abstract

Objective: This study aims to analyze the extent of the suitability of the Indonesian government's policy in managing hajj funds based on Law Number 34 of 2014 according to the principles of sharia economics and sharia maqashid, especially the principle of maintenance and achievement of the benefits of the ummah. Methodology: This study uses a legal-normative approach with a descriptive qualitative analysis method. Data was obtained through a study of laws and regulations related to the management of hajj funds, DSN-MUI fatwas, scientific literature, as well as financial and performance reports of the Hajj Financial Management Agency (BPKH) for the period 2024 2025. The analysis was carried out by integrating a positive sharia perspective and sharia maqashid. Results: The results of the study show that Law Number 34 of 2014 provides a strong legal basis for the management of hajj funds based on sharia principles, accountability, and transparency. However, in practice, there is still a gap between formal compliance with sharia and the achievement of substantive goals of sharia maqashid, particularly in the aspects of public transparency, increased economic benefits, and equitable distribution of the social impact of hajj investments. Application/Authenticity/Value: This research makes a conceptual contribution by combining positive legal analysis and "maqashid sharia" in the context of public financial management of the ummah. It is hoped that the results of this research will be the basis for the formulation of policies that are more benefit-oriented, increase public trust, and strengthen sustainable governance for hajj funds.
Google Play review analysis of digital mobile applications of Islamic microfinance institutions Azhar Alam; Ririn Tri Ratnasari; Danang Dwi Nurrochman; Estina Rahmawati
International Journal of Advances in Applied Sciences Vol 13, No 3: September 2024
Publisher : Institute of Advanced Engineering and Science

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.11591/ijaas.v13.i3.pp717-726

Abstract

The study aims to analyze user reviews of Islamic microfinance mobile applications to evaluate their effectiveness for micro, small, and medium-sized enterprises (MSMEs). Using the netnography method, this study collected and analyzed 4,131 reviews from the Google Play Store, focusing on applications with ratings above 4.5. The data was categorized into positive and negative reviews. Key findings indicate that users appreciate 50.42% of positive reviews expressed satisfaction and motivation to advance, 28.90% praised the ease of transactions via the application, and 20.68% appreciated the practical benefits in any payment, while with frequent errors (25.53%), issues with activation codes (21.28%), and transaction failures (17.02%) being the most common complaints. The study recommends improving technical reliability to enhance user satisfaction. Future research should explore user experiences in more diverse digital environments. This research contributes to understanding user perceptions and strengthening the development of Islamic microfinance applications.
Google Play review analysis on Sharia pawnshop applications in Indonesia Alam, Azhar; Kurniawan, Adityo Wiwit; Sholahuddin, Muhammad
International Journal of Advances in Applied Sciences Vol 15, No 1: March 2026
Publisher : Institute of Advanced Engineering and Science

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.11591/ijaas.v15.i1.pp86-98

Abstract

Digital transformation opens opportunities for Sharia pawnshops to develop innovative application-based services following Sharia principles. This study analyzes the perception and experience of users of the Sharia pawnshop application on the Google Play Store using a netnography approach. It collects and analyzes 395 user reviews between June and December 2024, which consist of 219 positive reviews and 176 negative reviews. The analysis shows that 59.82% of users gave positive reviews regarding satisfaction with using the application, especially regarding transaction security and ease of use. As many as 17.35% of positive reviews emphasized the benefits of the application in transforming Islamic financial services. The main challenges identified included update system problems (35.23%), technical and server problems (30.11%), and registration complexity (5.68%). There was also a discrepancy between numerical ratings and review content. Important concerns include service problems (9.66%) and limited choice of Islamic banks (5.11%). This research provides important insights for the development of digital Islamic finance applications in the future, especially in the aspects of improving technological infrastructure, simplifying processes, and improving the quality of customer service. The results of this study contribute to a better understanding of user needs in the context of the digitization of Islamic financial services in Indonesia.
Kesesuaian Akad dan Transaksi Digital pada Fintech Syariah dengan Prinsip Hukum Muamalah Fatimah Salma Azzahra; Azhar Alam; Wardah Yuspin
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 2 (2026): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v8i2.11244

Abstract

This study aims to identify and describe the various forms and types of contracts used in Islamic fintech services in Indonesia, and to analyze and assess the level of conformity of contracts and digital transactions in Islamic fintech with the principles of muamalah law according to Islamic teachings. The study used a qualitative literature study method with a normative-theological approach. Data sources were secondary sources collected using library research techniques. Data were considered valid if they met the criteria of credibility, transferability, dependability, and confirmability. Data were analyzed using qualitative descriptive techniques. The results show that Islamic fintech in Indonesia has implemented various Islamic contracts, such as sale and purchase, musyarakah, mudharabah, wakalah bil ujrah, and qardh, which are used according to service characteristics and user needs. In general, the digital transaction mechanisms in Islamic fintech are in line with the principles of muamalah law because they are supported by clear contracts, system transparency, and regulatory oversight that ensures the avoidance of usury, gharar, and other prohibited practices.
Akad dan Kesesuaian Fitur Wakaf Produk Asuransi Jiwa Syariah Alam, Azhar; Hidayati, Sukri
EQUILIBRIUM Vol 8, No 1 (2020): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v8i1.7223

Abstract

This study describes the appropriateness of AlliSya Protection Plus Unit Link waqf features based on the DSN-MUI Fatwa regarding Endowment of Insurance Benefits and Investment Benefits of Sharia Life Insurance at PT Asuransi Allianz Life Indonesia. This study aims to study the contracts contained in the waqf product features with uses field research studies, literature reviews and qualitative data analysis. The results of this study indicate that the implementation of Waqf Unit AlliSya Protection Plus features is following the National Sharia Board Fatwa because it has fulfilled the provisions for waqf of insurance benefits, waqf of investment benefits, and provisions of ujrah. This waqf feature product utilizes tabarru, wakalah bil ujrah, mudaraba, waqf, wills, and qardh contract. Waqf funds will be distributed to waqf institutions (nazir) received by the policyholder dies. The implementation of waqf features in sharia life insurance products is encouragement in increasing the collection of endowment funds, thereby increasing both the welfare of society and economic development.
Co-Authors Abdelsalam Adam Hamid 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 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 Eka Lutfia Khoirun Nisa Eni Setyowati Estina Rahmawati Faizah, Anisa Nur Fatimah Salma Azzahra Fauzul Hanif Noor Athief Fiky Nila Mustika Galuh Thifal Anggraeni Hamidah, Raisa Aribatul Hamidah, Raisa Aribatul Harun Hidayati, Sukri Ilham Aji Saputro Imron Rosyadi 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 M. Sholahuddin Marissa Grace Haque Marissa Grace Haque, Marissa Grace Maulidyah Indira Hasmarini Muchamad Rizsal Sulistiyanto Muhamad Nafik Hadi Ryandono Muhamad Taufik Hidayat Muhammad Anas Muhammad Hanif al Hakim 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 Purwaningsih, Rista Raditya Sukmana Rafi Siregar Rahayu Puji Lestari Rahmawati, Estina 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 Saputro, Triyono Adi 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 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