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All Journal Al-Hijr: Journal of Adulearn World Journal International Inspire Education Technology (JIIET) Journal of Selvicoltura Asean Journal of Tecnologia Quantica Journal of Biomedical and Techno Nanomaterials Journal of Humanities Research Sustainability Islamic Studies in the World Journal Markcount Finance Sharia Oikonomia Law Journal Journal Neosantara Hybrid Learning Journal of World Future Medicine, Health and Nursing International Journal of Educational Narratives Rechtsnormen: Journal of Law International Journal of Language and Ubiquitous Learning
Fatima Malik
Quaid-i-Azam University
Religion Agriculture, Biological Sciences & Forestry Humanities Biochemistry, Genetics & Molecular Biology Computer Science & IT Education Languange, Linguistic, Communication & Media Physics Social Sciences Other

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NORMATIVITY UNDER MARKET PRESSURE: THE JURISPRUDENTIAL LIMITS OF SHARIAH COMPLIANCE IN ISLAMIC FINANCE Fatima Malik; Ahmed Shah; Oliver Harris
Sharia Oikonomia Law Journal Vol. 4 No. 1 (2026)
Publisher : Yayasan Adra Karima Hubbi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70177/solj.v4i1.3588

Abstract

Islamic finance has expanded within increasingly competitive global markets, intensifying tensions between Shariah normativity and economic pragmatism. Contemporary practices often prioritize formal compliance, raising concerns about whether legal structures genuinely reflect underlying ethical principles. This study aims to examine the jurisprudential limits of Shariah compliance by analyzing how market pressures influence legal reasoning and the construction of permissible financial practices. A qualitative normative–juridical research design is employed through systematic analysis of 96 legal documents, including fatwas, regulatory frameworks, and international standards across multiple jurisdictions. Analytical matrices and thematic coding are used to identify patterns of normativity, compliance, and market adaptation. The findings reveal that Shariah compliance operates as a dynamic spectrum, where hybrid frameworks dominate by balancing formal legality with market competitiveness. Normative alignment tends to weaken under high market pressure, leading to selective interpretation of jurisprudential principles. Institutional governance plays a critical role in mediating this tension, with centralized systems showing greater resistance to purely market-driven adaptations. The study concludes that Shariah compliance cannot be equated with substantive normativity and must be reconceptualized as a negotiated process shaped by jurisprudential flexibility and economic constraints.
THE EFFECTIVENESS OF SHARIA MICROFINANCE INSTITUTIONS IN PROMOTING ECONOMIC INCLUSION FOR SMES Ahmadi Ahmadi; Ali Khan; Fatima Malik
Sharia Oikonomia Law Journal Vol. 4 No. 2 (2026)
Publisher : Yayasan Adra Karima Hubbi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70177/solj.v4i2.3981

Abstract

Small and Medium Enterprises (SMEs) play a crucial role in economic growth, employment creation, and poverty reduction; however, many continue to face financial exclusion due to limited access to formal financial services. Conventional financial institutions frequently impose collateral requirements and lending conditions that restrict financing opportunities for small business owners. Sharia Microfinance Institutions (SMFIs) have emerged as alternative financial intermediaries that provide Sharia-compliant financing and developmental support aimed at enhancing economic inclusion. This study aims to evaluate the effectiveness of Sharia Microfinance Institutions in promoting economic inclusion among SMEs and to examine the factors that influence inclusion outcomes. A quantitative research design was employed involving 400 SME owners who participated in Sharia microfinance programs. Data were collected through structured questionnaires and analyzed using Structural Equation Modeling (SEM). Findings indicate that access to Sharia financing, institutional trust, financial literacy support, and business development assistance significantly contribute to economic inclusion. Access to Sharia-compliant financing emerged as the strongest predictor of inclusion, while non-financial services such as entrepreneurial training and financial education enhanced the effectiveness of financing interventions. Increased participation in Sharia microfinance programs was associated with improved financial access, business expansion, income growth, and entrepreneurial empowerment. The study concludes that Sharia Microfinance Institutions function as comprehensive development partners that promote sustainable economic inclusion through the integration of ethical financing principles, capacity building, and business support services for SMEs.
THE APPLICATION OF BLOCKCHAIN TECHNOLOGY FOR ISSUING AND VERIFYING TAMPER-PROOF DIGITAL CREDENTIALS IN A LIFELONG HYBRID LEARNING SYSTEM Fatima Malik; ahmed shah; Nathaniel Ramos; Isabel Martinez
Journal Neosantara Hybrid Learning Vol. 3 No. 2 (2025)
Publisher : Yayasan Adra Karima Hubbi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70177/jnhl.v3i2.2828

Abstract

The rapid expansion of lifelong and hybrid learning ecosystems has amplified the need for secure, verifiable, and portable academic credentials. Conventional credentialing systems are prone to data breaches, document forgery, and verification delays, which compromise institutional integrity and learner mobility. Blockchain technology offers a decentralized solution for issuing and validating tamper-proof digital credentials that ensure data immutability, transparency, and learner ownership. This study aims to design and evaluate a blockchain-based credentialing framework integrated within a lifelong hybrid learning system, providing a secure, interoperable, and scalable model for educational institutions. The research employed a design-based approach combining system architecture modeling and pilot testing in three Indonesian universities. Data were collected through usability testing, stakeholder interviews, and system performance metrics. The findings revealed that the blockchain credentialing model enhanced verification efficiency by 63%, reduced administrative errors by 41%, and improved trust perception among employers and learners. The smart contract mechanism automated credential issuance, while decentralized verification protocols ensured authenticity without reliance on centralized databases. The results confirm that blockchain-based digital credentials can strengthen academic credibility and facilitate global recognition of hybrid learning achievements. The study concludes that blockchain integration in education not only promotes transparency and trust but also aligns with the principles of lifelong learning and digital sovereignty. Future implementations should explore interoperability across cross-border educational systems and adaptive governance models for data privacy and regulatory compliance.
DESIGNING A PLAY-BASED HYBRID LEARNING MODEL FOR INDONESIAN KINDERGARTENS; CHALLENGES AND OPPORTUNITIES FOR PARENTAL ENGAGEMENT Ahmed Shah; Fatima Malik; Mariam Khan
Journal Neosantara Hybrid Learning Vol. 4 No. 1 (2026)
Publisher : Yayasan Adra Karima Hubbi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70177/jnhl.v4i1.2850

Abstract

The integration of play-based learning into hybrid education models for early childhood has become increasingly relevant in post-pandemic Indonesia, where digital adaptation and parental involvement define the quality of kindergarten learning experiences. The research addresses the growing need to design a pedagogically sound and culturally adaptive hybrid learning model that preserves the playfulness essential to early education while leveraging digital tools for continuity and engagement. The study aims to explore the challenges and opportunities of developing a play-based hybrid model that fosters active parental participation and supports children’s socio-emotional and cognitive growth. A qualitative case study design was employed, involving 30 teachers and 50 parents from three kindergartens in West Java. Data were collected through classroom observations, parental interviews, and teacher focus group discussions, analyzed using thematic coding and triangulation to ensure reliability. Findings revealed that while teachers effectively integrated digital play platforms and storytelling sessions, parental engagement varied due to differing levels of digital literacy and home-learning readiness. The study also identified that hybrid play-based activities significantly enhanced children’s motivation and collaborative behavior when parents acted as co-facilitators rather than supervisors. The research concludes that successful hybrid play-based learning in Indonesian kindergartens depends on balanced collaboration between educators, parents, and digital tools. Strengthening parental digital competence and providing structured guidance for home-based play activities can transform hybrid learning into an inclusive, joyful, and developmentally appropriate experience. The study contributes to the broader discourse on hybrid pedagogy in early childhood education and proposes a localized framework for sustainable parental engagement.
AI-Powered Decision Support Systems in Clinical Nursing Practice: Benefits and Ethical Considerations Ali Khan; Ahmed Shah; Fatima Malik; Rustiyana Rustiyana
Journal of World Future Medicine, Health and Nursing Vol. 3 No. 1 (2025)
Publisher : Yayasan Adra Karima Hubbi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70177/health.v3i1.2804

Abstract

Rapid advancements in artificial intelligence (AI) have introduced new possibilities for enhancing clinical nursing practice through AI-powered decision support systems (DSS). Increasing patient complexity, rising workloads, and the demand for timely, evidence-based care underscore the need for technological tools that can assist nurses in clinical judgment, risk assessment, and care coordination. This study aims to examine the benefits and ethical considerations associated with the integration of AI-driven DSS in nursing practice, focusing on their impact on clinical efficiency, patient safety, and professional autonomy. A mixed-methods approach was employed, combining a systematic literature review with qualitative thematic analysis of documented nursing experiences across diverse healthcare settings. The findings reveal that AI-powered DSS improve accuracy in clinical decision-making, support early detection of patient deterioration, and reduce cognitive workload for nurses. The results also identify significant ethical challenges, including data privacy concerns, algorithmic bias, reduced human oversight, and potential shifts in nurse patient relational dynamics. The study concludes that while AI-driven DSS offer substantial benefits for clinical nursing practice, their implementation must be guided by robust ethical frameworks, transparent governance, and continuous professional training to ensure responsible and equitable integration.  
Podcasts and Vlogs as Educational Tools: Exploring Digital Narratives in Teaching Baharuddin Baharuddin; Fatima Malik; Ahmed Shah
International Journal of Educational Narratives Vol. 4 No. 2 (2026)
Publisher : Yayasan Adra Karima Hubbi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70177/ijen.v4i1.3509

Abstract

Background. The rapid expansion of digital media has transformed educational practices, encouraging the integration of multimedia platforms into teaching and learning processes. Podcasts and vlogs have emerged as accessible and engaging digital narrative formats that enable educators and students to communicate knowledge through audio-visual storytelling. Despite their growing popularity, systematic empirical examination of their effectiveness as pedagogical tools remains limited. Purpose. This study aims to explore the effectiveness of podcasts and vlogs as educational tools in enhancing student engagement and learning outcomes.   Method. A mixed-methods research design was employed involving 72 undergraduate students divided into experimental and comparison groups. The experimental group participated in a six-week intervention integrating podcast and vlog production into course activities, while the comparison group received conventional instruction. Data were collected through engagement surveys, academic performance assessments, classroom observations, and semi-structured interviews. Results. Findings indicate that students engaged in podcast and vlog production demonstrated significantly higher levels of cognitive and emotional engagement, along with improved academic performance. Qualitative evidence revealed increased motivation, collaborative interaction, and enhanced communication skills. Conclusion. The study concludes that podcasts and vlogs function as effective digital narrative tools for enriching teaching practices and promoting meaningful learning in contemporary educational contexts.
The Role of Law in Promoting Sustainable Finance and Green Investments in Emerging Markets Fatima Malik; Sara Hussain; Li Wei; Muh. Cendekiawan Ainul Haq
Rechtsnormen: Journal of Law Vol. 4 No. 3 (2026)
Publisher : Yayasan Adra Karima Hubbi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70177/rjl.v4i3.4195

Abstract

Background. Growing environmental challenges, climate-related financial risks, and increasing global commitments to sustainable development have intensified the importance of legal frameworks in directing capital toward environmentally responsible investments. Emerging markets face particular pressure to balance rapid economic growth with environmental sustainability while strengthening investor confidence, regulatory transparency, and institutional accountability. Purpose. This study aimed to evaluate the role of law in promoting sustainable finance and green investments in emerging markets by examining the relationships among legal quality, regulatory effectiveness, institutional governance, investor protection, and sustainable financial development. Method. A mixed-methods sequential explanatory design was employed using comparative data from 24 emerging market economies observed over a ten-year period. Quantitative analyses incorporated descriptive statistics, structural equation modeling, hierarchical regression, mediation and moderation analyses, while qualitative evidence from expert interviews, policy document reviews, and institutional observations was analyzed through thematic analysis. Results. Findings demonstrated that legal certainty significantly strengthened sustainable finance development, investor confidence, financial transparency, and green investment performance. Sustainable finance partially mediated the relationship between legal quality and investment outcomes, whereas institutional governance enhanced the effectiveness of regulatory implementation. Conclusion. Sustainable green investment depends upon the coordinated integration of legal certainty, regulatory quality, institutional governance, financial transparency, and environmental accountability, providing an evidence-based foundation for resilient financial systems and long-term sustainable economic development in emerging markets.
The Influence of Digital Culture on the Development of Students' Linguistic Identity Sugeng Irianto; Fatima Malik
International Journal of Language and Ubiquitous Learning Vol. 3 No. 1 (2025)
Publisher : Yayasan Adra Karima Hubbi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70177/ijlul.v3i1.1922

Abstract

Background. This research is motivated by significant changes in the way students interact and communicate due to the development of digital culture. In the midst of the rapid use of social media and other digital platforms, its influence on the development of students' linguistic identities has not been widely researched. Digital culture has created a new communication space that tends to be informal and different from the language norms in the academic space. Purpose. This study aims to analyze how digital culture affects the development of students' linguistic identities in the context of education. Method. This study uses a quantitative approach with a descriptive design. Data was collected through questionnaires and interviews involving 200 students from several high schools. The research instrument is designed to uncover the pattern of students' language use in the digital world and its relation to formal language skills. Results. The results showed that most students use informal language, such as slang and slang, more often in cyberspace. This difference causes some students to have difficulty adapting to the formal language used in academic contexts. Although some students have successfully adjusted, there are indications that these changes have impacted the effectiveness of their formal language use. Conclusion. Digital culture affects students' linguistic identities in a complex way. Therefore, a more flexible approach to education is needed to deal with these challenges. Advanced research can explore other factors that influence the development of students' linguistic identities, such as family factors and local culture.
Co-Authors Ahmadi Ahmadi Ahmed Shah Ali Khan Baharuddin Baharuddin Chevy Herli Sumerli Dulguun Amarsaikhan Hassan Ali Isabel Martinez Karmini, Ni Wayan Kiran Iqbal Li Wei Loso Judijanto Mariam Khan Muh. Cendekiawan Ainul Haq Mujahid Damopolii Nathaniel Ramos Oliver Harris Pandi Mohamad Ru'iya, Sutipyo Rustiyana, Rustiyana Sara Hussain Seo Jiwon Sugeng Irianto Zain Nizam Zainab Ali