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All Journal MAKNA: Jurnal Kajian Komunikasi, Bahasa dan Budaya Jurnal Konseling dan Pendidikan Afkaruna: Indonesian Interdisciplinary Journal of Islamic Studies Jurnal KALAM Teosofi: Jurnal Tasawuf dan Pemikiran Islam Jurnal Ushuluddin Jurnal Pendidikan Islam Kanz Philosophia: A Journal for Islamic Philosophy and Mysticism MIQOT: Jurnal Ilmu-ilmu Keislaman At-Taqaddum Musawa : Jurnal Studi Gender dan Islam Jurnal Hukum IUS QUIA IUSTUM Diwan : Jurnal Bahasa dan Sastra Arab Gender Equality: Internasional Journal of Child and Gender Studies Diroyah : Jurnal Studi Ilmu Hadis JURNAL IQRA´ QALAMUNA: Jurnal Pendidikan, Sosial, dan Agama International Journal Ihya' 'Ulum al-Din Halaqa : Islamic Education Journal SYAMIL: Jurnal Pendidikan Agama Islam (Journal of Islamic Education) Al-Albab Al-Dzikra: Jurnal Studi Ilmu al-Quran dan al-Hadits AL-ATHFAL : JURNAL PENDIDIKAN ANAK FITRAH:Jurnal Kajian Ilmu-ilmu Keislaman Jurnal Pendidikan Islam Jurnal Ekonomi Islam Ijaz Arabi Journal of Arabic Learning Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan Nun : Jurnal Studi Alquran dan Tafsir di Nusantara Atthulab: Islamic Religion Teaching and Learning Journal Tribakti: jurnal pemikiran keIslaman Khazanah: Jurnal Studi Islam dan Humaniora IZDIHAR IJoASER (International Journal on Advanced Science, Education, and Religion) Al-Ta'lim Jurnal Ilmu Dakwah Child Education Journal SCAFFOLDING: Jurnal Pendidikan Islam dan Multikulturalisme AL - Mujaddid Jurnal Ilmu-ilmu Agama Jurnal Asy-Syukriyyah Bidayatuna: Jurnal Pendidikan Guru Mandrasah Ibtidaiyah IJECA (International Journal of Education and Curriculum Application) Attractive : Innovative Education Journal Al-Syakhsiyyah : Journal of Law and Family Studies Jurnal Suara Hukum Journal of Islamic Law Mazahibuna: Jurnal Perbandingan Mazhab Riwayah : Jurnal Studi Hadis KIDDO: Jurnal pendidikan Islam Anak Usia Dini Kalijaga Journal of Communication Ulumuna Waraqat : Jurnal Ilmu_Ilmu Keislaman Rusydiah: Jurnal Pemikiran Islam AL-FALAH : Journal of Islamic Economics Al-Sharf: Jurnal Ekonomi Islam JOLLT Journal of Languages and Language Teaching Khalifa: Journal of Islamic Education Al-Riwayah : Jurnal Kependidikan Mantiqu Tayr: Journal of Arabic Language Anglophile Journal Nabawi: Journal of Hadith Studies Tebuireng: Journal of Islamic Studies and Society Al-Ashr : Jurnal Pendidikan dan Pembelajaran Dasar Bulletin of Science Education QAULAN: Journal of Islamic Communication Al-Hilal: Journal of Islamic Astronomy Al-Muamalat : Jurnal Ekonomi Syariah MAQASIDI Journal of Integrated Elementary Education Jurnal Al-Qiyam Jurnal Tana Mana Az Zarqa': Jurnal Hukum Bisnis Islam International Journal of Social Science, Education, Communication and Economics ZAD Al-Mufassirin Didaktika Religia Fikrah: Jurnal Ilmu Aqidah dan Studi Keagamaan Al-Manahij : Jurnal Kajian Hukum Islam QOF: Jurnal Studi Al-Qur'an dan Tafsir Journal of Mathematics Instruction, Social Research and Opinion Journal of General Education and Humanities SYAMIL: JURNAL PENDIDIKAN AGAMA ISLAM (JOURNAL OF ISLAMIC EDUCATION) QiST: Journal of Quran and Tafseer Studies Al Karima : Jurnal Studi Ilmu Al Qur'an dan Tafsir Jurnal Ilmu Psikologi dan Kesehatan Unisia al-Mawarid Jurnal Syariah dan Hukum (JSYH) Educare : Jurnal Ilmu Pendidikan Tadris: Jurnal Pendidikan Islam Jurnal Ilmu Pendidikan dan Sains Islam Interdisipliner Journal of Islamic Economics Lariba Amorti: Jurnal Studi Islam Interdisipliner International Journal of Education and Digital Learning (IJEDL) MIYAH: Jurnal Studi Islam International Journal of Community Engagement Payungi LECTURES: Journal of Islamic and Education Studies Islam & Contemporary Issues Assuthur: Jurnal Pendidikan Bahasa Arab SATUKATA: Jurnal Sains, Teknik, dan Studi Kemasyarakatan Jurnal Ekonomi Islam Al-Fahmu: Jurnal Ilmu Al-Qur'an dan Tafsir HIKMATUNA: Journal for Integrative Islamic Studies Demak Universal Journal of Islam and Sharia Solo Universal Journal of Islamic Education and Multiculturalism Solo International Collaboration and Publication of Social Sciences and Humanities International Journal of Islamic Studies Higher Education Journal of Contemporary Gender and Child Studies Religia : Jurnal Ilmu-Ilmu Keislaman Bulletin of Educational Management and Innovation International Journal of Multidisciplinary Research of Higher Education (IJMURHICA) Kognisi: Jurnal Ilmu Keguruan Jurnal Mediakita : Jurnal Komunikasi dan Penyiaran Islam ZAWA:Management of Zakat and Waqf Journal Al-Jadwa: Jurnal Studi Islam Hikmatuna Journal of Teaching and Learning Mathematics (JTLM) Majapahit Journal of Islamic Finance dan Management Al-Karim: International Journal of Quranic and Islamic Studies AlBanna: Jurnal Pendidikan Islam Anak Usia Dini Kanun: Jurnal Ilmu Hukum Jurnal Progress: Wahana Kreativitas dan Intelektualitas RESLAJ: Religion Education Social Laa Roiba Journal Al-Jawhar : Journal of Arabic Language Contemporary Society and Politics Journal Majapahit Journal of Islamic Finance dan Management UNIVERSUM : Jurnal KeIslaman dan Kebudayaan Jurnal Hukum Islam INTIHA : Islamic Education Journal Abdurrauf Journal of Islamic Studies Jurnal Pendidikan Islam Jurnal Asy-Syukriyyah Danadyaksa: Post Modern Economy Journal International Journal of Post-Axial: Futuristic Teaching and Learning Al-Wasatiyah: Journal of Religious Moderation Andragogi Jurnal Pendidikan dan Pembelajaran International Journal of Educational Qualitative Quantitative Research Tribakti: Jurnal Pemikiran Keislaman Al Maghazi : Arabic Language in Higher Education Indonesian Journal of Islamic Literature and Muslim Society Proceeding Of International Conference On Education, Society And Humanity El-Suffah: Jurnal Studi Islam Al-Insyiroh: Jurnal Studi Keislaman Canonia Religia: Jurnal Studi Teks Agama dan Sosial INJIES: Journal of Islamic Education Studies Communicator : Journal of Communication Al-Risalah Jurnal Studi Agama dan Pemikiran Islam Majapahit Journal of English Studies Waralaba : Journal Of Economics and Business TATHO: International Journal of Islamic Thought and Sciences Jurnal Pendidikan Progresif Eduprof Ashlach : Journal of Islamic Education IJoReSCo International Journal of Social and Political Sciences Parewa Saraq: Journal of Islamic Law and Fatwa Review Justicia Insight An Namatul Ausath Islamic Law and Social Issues in Society Islamic Law and Social Issues in Society El-Syaker : Samarinda International Journal of Language Studies Tunjuk Ajar: Journal of Education and Culture An-Nisa’ Journal of Gender Studies Tasqif: Journal of Islamic Pedagogy Profetika: Jurnal Studi Islam Bulletin of Islamic Research Mapendis International Journal of Culture, Religion and Education At-Ta'lim : Media Informasi Pendidikan Islam Nidhomul Haq : Jurnal Manajemen Pendidikan Islam Jurnal Kajian Hukum dan Sosial International Journal of Teaching and Learning (INJOTEL) Ad-dawl : Jurnal Islamic Studies Muaddib: Journal of Islamic Teaching and Learning EDUKASIA: Jurnal Penelitian Pendidikan Islam Review of International Journal Education and School Leadership (RITEDUL) TSAQAFAH : Jurnal Peradaban Islam CMES (Center of Middle Eastern Studies) Al-Mukhlashin: Jurnal Multidisiplin Ilmu At Turots: Jurnal Pendidikan Islam
Mowafg Abrahem Masuwd
Universitas Zawia, Libya
Religion Arts Humanities Astronomy Biochemistry, Genetics & Molecular Biology Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Medicine & Pharmacology Nursing Physics Public Health Social Sciences Other

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Retrospection of Culture in Religion in The Islands of Nias, Banyak and Simeuleu Al-Fairusy, Muhajir; Taran, Jovial Pally; Masuwd, Mowafg Abrahem; Idria, Reza; Hemay, Idris; Amirudin, Amirudin
Al-Albab Vol 13, No 2 (2024)
Publisher : Pascasarjana IAIN Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24260/alalbab.v13i2.3194

Abstract

This study focuses and emphasizes on the religious activities of islanders in Banyak Island, Simeulue and Nias. This research aims to find religious models and coexistence strategies in interfaith between island communities. These three islands are geographically close and inhabited by people with different religious identities. This research uses qualitative research with an ethnographic approach, data collection is done through in-depth interviews with informants who live on the three islands. The results showed that island communities have a collective ability to manage diversity to avoid conflict in the name of religion. Identity as an “island community” becomes social capital in interpreting collective identity. The open character of island communities is also a cultural capital that can suppress suspicion of different groups. However, the three island communities also have different characteristics in the religious moderation policy space. Nias Islands with a majority Christian population composition shows a fairly strong attitude of tolerance. The principle of kinship adopted by the Nias community serves to strengthen relations between religious communities. Simeulue Islands, whose majority population is Muslim, also shows a high level of tolerance by giving permission to build houses of worship for Christians who have just arrived in Simeulue in the last two decades. In the context of Pulau Banyak, where the majority of the population is Muslim, tolerance is only seen in the economic, market and fishing industry aspects. On the other hand, tolerance does not apply to permits to build houses of worship. This study also discusses the importance of the role of religious and social actors in strengthening community harmony on the three islands under study.
A Look the Halal Fashion Industry in Indonesia and the Struggles It Faces on a Global Scale Masuwd, Mowafg Abrahem
Danadyaksa: Post Modern Economy Journal Vol. 2 No. 1 (2024): Post Modern Economy Journal
Publisher : Yayasan Pendidikan Islam Bustanul Ulum Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69965/danadyaksa.v2i1.108

Abstract

The global Muslim population is widely dispersed, with Indonesia having the largest Muslim majority. The halal industry, including the modest fashion sector, operates within an increasingly competitive global market. This study examines the development and challenges of Indonesia’s modest fashion industry within the global halal economy, addressing the critical barriers to its international expansion. Utilizing a qualitative research design with a descriptive approach, this study analyzes data from industry reports, policy documents, and relevant literature. The findings indicate that Indonesia’s Global Islamic Economy Indicator (GIEI) score for the fashion sector improved significantly from 2018 to 2021, positioning the country among the top 10 globally. However, this growth aligns with similar trends observed in competing nations, indicating that Indonesia still faces substantial challenges in maintaining its competitive edge. Key barriers include limited access to financing, difficulties in penetrating international markets, evolving consumer demands, inconsistent government policies, and the need for technological advancements in marketing, research, and development. Despite these obstacles, Indonesia’s modest fashion industry continues to expand, driven by increasing global recognition and ongoing industry innovation. The study highlights the need for strategic policy interventions and enhanced industry collaborations to strengthen Indonesia’s position in the global halal fashion market.
Reform of Islamic Theology in India: Sheikh Waliullah Ad-Dahlawi and Syed Ahmad Khan Mujibuddin , M; Abrahem Masuwd, Mowafg; Irfan Achfandhy, Mochammad
RUSYDIAH: Jurnal Pemikiran Islam Vol. 5 No. 2 (2024)
Publisher : STAIN Sultan Abdurrahman Kepulauan Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35961/rsd.v5i2.1708

Abstract

The decline of the Muslim community in India during the 18th and 19th centuries was attributed to both internal and external factors. Internally, it was driven by the collapse of the Mughal dynasty, particularly after the death of Emperor Aurangzeb. This internal decline was also exacerbated by stagnation within the Indian Muslim community. Externally, the influence of modern Western knowledge introduced by the British played a significant role. These two factors prompted theological movements initiated by Syaikh Waliyullah ad-Dahlawi and Seyyed Ahmad Khan, both of whom aspired to uplift the Indian Muslim community from its backwardness. The efforts of these two scholars were focused on reconstructing the theological framework that had long been established among Indian Muslims. Syaikh Waliyullah ad-Dahlawi aimed to free the Muslim community from religious orthodoxy. Meanwhile, Seyyed Ahmad Khan, in addition to advancing ad-Dahlawi’s efforts, introduced fresh ideas regarding Islamic education. Seyyed Ahmad Khan successfully integrated Islam as a religion with modern education, culminating in the establishment of the Mohammedan Anglo-Oriental College (M.O.A.C.), later known as Aligarh Muslim University. At the time, this institution became one of the largest centers of Islamic learning in Asia. Kemunduran umat Muslim di India pada abad 18-19 disebabkan oleh dua faktor, yaitu faktor eksternal dan internal. Faktor internal disebabkan karena adanya kehancuran dinasti Mughal, terutama setelah kematian raja Aurangzeb. Di sisi lain, faktor internal ini juga disebabkan adanya kejumudan dalam umat muslim India. Sedangkan faktor eksternal disebabkan adanya ilmu pengetahuan modern Barat yang dibawa oleh Inggris. Kedua faktor tersebut yang mempengaruhi adanya gerakan teologi yang diprakarsai oleh Syaikh Waliyullah Ad-Dahlawi dan Seyyed Ahmad Khan. Kedua ulama tersebut sama-sama menginginkan agar uma muslim India bisa bangkit dari keterbelakangannya. Upaya yang dilakukan oleh kedua orang tersebut adalah dengan merekonstruksi teologi yang selama ini sudah mapan di muslim India. Syaikh Waliyullah ad-Dahlawi menginginkan agar umat Islam terbebas dari ortodoksi agama. Sedangkan Seyyed Ahmad Khan, di samping menyempurnakan usaha ad-Dahlawi, Seyyed Ahmad Khan juga memberikan pemikiran segar tentang pendidikan Islam. Seyyed Ahmad Khan berhasil memadukan antara Islam sebagai agama dan pendidikan modern. Hasilnya berupa berdirinya sekolah Mohammaden Anglo Oriental Collage (M.O.A.C.) atau dikenal dengan Universitas Islam Aligarh yang pada saat itu menjadi salah satu universitas Islam besar di Asia.
Prabowo Subianto's Political Branding on Instagram in the 2024 Presidential Election Pratama, Galih; Irwanti, Marlinda; Mowafg Masuwd
Mediakita Vol. 9 No. 1 (2025): Jurnal Mediakita : Jurnal Komunikasi dan Penyiaran Islam
Publisher : Fakultas Usluhuddin dan Dakwah UIN Syekh Wasil Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/mediakita.v9i1.2707

Abstract

New media, especially Instagram, has emerged as a new chapter in the discourse of utilizing political marketing of an actor, such as the @prabowo.gibran2 account. This research aims to discover Prabowo's political branding on Instagram and its relevance to George Herber Mead's symbolic interactionism theory. This research uses an interpretive social paradigm, and the research methodology uses virtual ethnography by accessing, researching, and analyzing media spaces, media documents, media objects, and user experiences. The research results show that Prabowo's political branding includes a free lunch and milk program as a policy, joget gemoy as a candidate person, and a new direction of downstream politics as a party, providing ideology, structure, and vision-mission. As for George Herber Mead's view of self, joget gemoy is a reflex action of the organism and a realization and presentation of self in social situations. Second, related to the view of mind, the encounter between thoughts and symbols related to two fingers in the form of a Korean hand heart and the definition of the situation: Gibran's appointment as vice president is a foresighted choice of segmentation and downstream. Third, related to the view of society, two discoveries about the proof of universal democracy, namely, the white shirt as a sign of Jokowi-Prabowo reconciliation and the reconciliation of political figures.
An Examination of English Instruction in a Classroom That Includes Students with Diverse Needs: A Detailed Analysis Hamidah, Nur; Masuwd, Mowafg Abrahem
Majapahit Journal of English Studies Vol. 1 No. 2 (2024): Linguistics and English Language Teaching
Publisher : Yayasan Pendidikan Islam Bustanul Ulum Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69965/mjes.v1i2.83

Abstract

The study focused on examining the instructional methods employed by English teachers in inclusive classrooms, as well as the typical difficulties encountered by these teachers in teaching in such settings. The researchers employed qualitative research methodology utilizing the case study approach, employing two primary instruments, namely interviews and observations. The research involved a school coordinator responsible for inclusive education, an English teacher who taught in inclusive classrooms, and children with special needs. The data were gathered over two weeks through two interviews and two outdoor observations. The data acquired were recorded using several methods, including tape recording, field notes, photos, and videos. The data were subjected to qualitative analysis to address the research topics. The study's findings are classified into three primary categories. The school provides programs that promote the implementation of inclusive education, including self-development programs and additional courses that help the development of basic life skills for students with special educational needs (SEN). There are 10 classes designated to accommodate at least one student with special needs in each session. Furthermore, in instructing English in inclusive classrooms, the teachers demonstrated a deficiency in employing targeted methodologies. However, they did utilize game-based technology such as Kahoot to facilitate engaging and pleasurable learning experiences. Furthermore, the outcome also indicates that the qualities of patience and sincerity hold significant importance in instructing students with special educational needs (SEN).
Optimising Societal Welfare: The Strategic Role of Maqashid Shariah and Maslahah in Contemporary Islamic Economics and Business Lestari, Rr. Hesti Setyodyah; Damayanti, Andia Kusuma; Masuwd, Mowafg Abrahem
Al-Insyiroh: Jurnal Studi Keislaman Vol. 11 No. 1 (2025): March 2025
Publisher : LPPPM STAI Darul Hikmah Bangkalan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35309/alinsyiroh.v11i1.363

Abstract

The rapid growth of Islamic banking and financial institutions, both globally and in Indonesia, reflects the increasing relevance of Shariah-compliant economic systems. Institutions such as Islamic insurance, sukuk, pawnshops, mortgages, leasing, capital markets, mutual funds, and multi-level marketing have significantly evolved, driven by advancements in modern technology. These changes have transformed economic activities, including e-commerce transactions, digital payment systems, credit financing, international trade, and monetary control instruments. This paper critically examines the strategic role of Maqashid Shariah and Maslahah in shaping contemporary Islamic economics and business practices. By integrating classical Islamic jurisprudence with modern economic challenges, the study explores how Maqashid Shariah serves as a foundational framework for ethical and sustainable economic development. Furthermore, the analysis highlights the dynamic application of Maslahah in ensuring Shariah compliance while addressing the evolving needs of the global financial landscape. The findings underscore the potential of Islamic economic principles to promote inclusive growth, social justice, and long-term societal welfare
Kinesthetic Learning Style and PAI Learning Outcomes of Elementary School Students Ramdhan, Tri Wahyudi; Masuwd, Mowafg Abrahem
Scaffolding: Jurnal Pendidikan Islam dan Multikulturalisme Vol. 7 No. 1 (2025): Pendidikan Islam dan Multikulturalisme
Publisher : Institut Agama Islam Sunan Giri (INSURI) Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/scaffolding.v7i1.7003

Abstract

This study aims to determine the influence of the kinesthetic learning style on the learning outcomes of Islamic Religious Education (PAI) among Year 4 students at MIN Bangkalan. This research employs a quantitative approach with a purposive sampling technique involving 36 participants. The research data were obtained through a kinesthetic learning style questionnaire, observations, and a learning outcomes test on the topic of Friday prayer. Data analysis techniques included the Kolmogorov-Smirnov normality test, Pearson correlation analysis to examine the relationship between kinesthetic learning style and PAI learning outcomes, and simple regression analysis to assess the impact of kinesthetic learning style on students' academic performance. The findings indicate a significant influence of kinesthetic learning style on PAI learning outcomes, with a significance value (2-tailed) of 0.000. Students with a kinesthetic learning style exhibit characteristics such as enhanced recall through movement and hands-on practice, as well as a preference for physical activity. These findings suggest that the application of kinesthetic learning strategies can serve as an effective approach to improving PAI learning outcomes among primary school students, particularly in subjects requiring practical comprehension.
Impact of Digital Storytelling for Developing Oral Communication Skills, Digital Literacy, and Learning Motivation Among Pre-service Elementary Teachers Setiawan, Dadan; Masuwd, Mowafg Abrahem; Maliki, Noval; Laily, Idah Faridah; Fitriyani, Yani
International Journal of Educational Qualitative Quantitative Research Vol. 2 No. 2 (2023)
Publisher : Qualitative and Quantitative Research Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58418/ijeqqr.v2i2.118

Abstract

In the digital era, oral communication skills, digital literacy, and learning motivation are crucial aspects of education. Digital storytelling is an innovative method that enhances speaking abilities and fosters creativity and active engagement among pre-service elementary teachers in learning. This study aims to explore the impact of digital storytelling in enhancing oral communication skills, digital literacy, and learning motivation among pre-service elementary teachers. A quasi-experimental design with a non-equivalent control group was employed. The sample consisted of 120 pre-service elementary teachers from the State Islamic Cyber University Syekh Nurjati Cirebon, selected through purposive sampling. The experimental group included 58 participants, while the control group comprised 62. Data were collected through oral communication tests, digital literacy questionnaires, and learning motivation surveys administered before and after the intervention. Instrument validity was assessed using content validity with two experts in education and technology, while reliability was measured using Cronbach’s Alpha. Data analysis involved T-tests and Cohen’s D effect size calculations. The findings indicate that digital storytelling significantly improved all three variables, with large effect sizes for oral communication skills (d = 2.21), digital literacy (d = 2.52), and learning motivation (d = 2.65). These results suggest that digital storytelling is an effective pedagogical tool for equipping pre-service elementary teachers with essential competencies in the digital era. This study recommends systematically integrating digital storytelling into pre-service elementary teacher education curricula, developing structured pedagogical scaffolding, and collaborating with partner schools to support skill application in teaching practice.
Sharia Insurance Controversy: Fatwa Review and Its Development Mahmudin, Mahmudin; Nafi, Muhammad; Masuwd, Mowafg
Waralaba : Journal Of Economics and Business Vol. 2, No. 1 : Waralaba (Januari - Juni 2025)
Publisher : PT. Global Pustaka Imiah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61590/waralaba.v1i3.217

Abstract

Sharia insurance is a solution to the legal dilemma of conventional insurance which is considered to contain elements of gharar and usury. This study examines the concept, legal basis, and criticism of sharia insurance using library research methods. Sharia insurance is based on the principle of mutual assistance (ta'awun) and refers to the fatwa of the National Sharia Council-Indonesian Ulema Council (DSN-MUI). Several relevant fatwas include the provisions of contracts in sharia insurance, such as mudharabah musytarakah, wakalah bil ujrah, and tabarru'. However, sharia insurance still attracts criticism, especially regarding the use of multi-contracts which is considered problematic by some scholars. In addition, there are differences between theoretical concepts and practices in the field, which sometimes deviate from sharia provisions. Nevertheless, sharia insurance continues to develop as an alternative financial protection that is considered in accordance with Islamic values. This study concludes that sharia insurance is acceptable as long as it adheres to sharia principles and DSN-MUI fatwas. 
COMPARATIVE ANALYSIS OF FINANSIAL PERFORMANCE IN ISLAMIC BANKS: A CASE STUDY OF INDONESIA AND MALAYSIA USING SHARIA CONFORMITY AND PROFITABILITY (2018 – 2024) Kusmanningrum, Yunita; Maknuun, Lu’lu’il; Masuwd, Mowafg Abrahem
Ekonomi Islam Vol. 16 No. 1 (2025): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof DR HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/jei.v16i1.15990

Abstract

Research aims: This study aims to compare the financial performance of Islamic commercial banks in Indonesia and Malaysia using the Sharia Conformity and Profitability (SCnP) framework, focusing on their alignment with sharia principles and profitability levels. Design/Methodology/Approach: A quantitative descriptive method was used, with secondary data obtained from Islamic bank financial reports and official sources such as OJK, IFSB, and PSIFIs. The SCnP model served as the primary analytical tool, and all Islamic commercial banks in both countries were included using saturated sampling. Research findings: Islamic banks in Indonesia showed fluctuating yet improving financial performance, particularly in profitability, reaching optimal position in 2024. However, challenges remain in maintaining consistent sharia compliance. Malaysian Islamic banks, meanwhile, consistently occupied the upper-left quadrant (ULQ), indicating strong profitability but limited use of profit-sharing instruments. Theoretical Contribution/Originality: This study contributes to the literature by applying the SCnP model in a cross-country comparison, highlighting the influence of regulatory systems and governance on Islamic banking performance. Practitioners/Policy Implications: Findings suggest that Indonesian banks should improve governance and investment screening, while Malaysian banks may benefit from enhancing the adoption of profit-sharing contracts to align more closely with Islamic ethical objectives. Research Limitations/Implications:The study is limited to quantitative data and excludes qualitative aspects such as governance and customer perception. Future research is encouraged to integrate these dimensions for a more comprehensive evaluation.
Co-Authors A.Jauhar Fuad Abd. Rahman Abda Abda Abdiguno, Panggih Abdul Jabar Abdul Jabar Idharudin Abdul Latif Mahfuz Abdul Malik Abdul Mufid Abdul Mufid Abdul Rashid bin Abdul Aziz Abdul Wahab Syakhrani Abdul Wahab Syakhrani Abdulghani, Naser Abdulghani, Naser Ali Abdullah, Mahmoud Abdulnasir Dhaw Alsayd Abdulrauf Atia Abdurahman Abdurrahman Abdurrahman Abdurrahman Aboujanah, Yousuf Abraheem Alriteemi Abtisam Rayhan Achfandhy, Mochammad Irfan Adamu Abubakar Muhammad Adhli, Aulya Adi Wijaya Adnir, Farid Adrika Fithrotul Aini Afdal afifuddin, alfan Afifudin, Ridho Afrah Masood AGUS AGUS Agus Maimun Agus Nurhadi Agus Supriyanto Agusman, Agusman Ahmad Barizi Ahmad Fadhel Syakir Hidayat Ahmad Fadhel Syakir Hidayat Ahmad Fahmi Ahmad Farih Dzakiy, Ahmad Farih Ahmad Fihri Ahmad Hidir Amin Ahmad Izzuddin Ahmad Rizky Pratama Ahmad Wasil Ahmad Zayyadi, Ahmad Aisyah Aisyah Arsyad Akbar, Reza Akmal, Fauzi Al-Fairusy, Muhajir Alamsyah Albshkar, Hajer Albshkar, Hajer Abdallah Alfarisi, Muhammad Fadilah Alfian Eko Rochmawan Alhusni Ali Maulida Alifta, Zeni Alouzi, Khuloud Alriteemi, Abraheem Alrumayh, Safa Alrumayh, Safa Husayn Alsayd, Abdulnaser Alsayd, Abdulnasir Alsayd, Abdulnasir Dhaw Alwy Ahmed Mohamed Alwy Ahmed Mohamed Alwy Ahmed Mohamed Alzletni, Naima Salem Amel Grasine Farona Amelda Arianti Amer Hudhaifah Hamzah Amin Muhtar, Amin Amirudin Amirudin Amrin Ana Sofiyatul Azizah Anam, Moh. Khoirul Andia Kusuma Damayanti Anggraini, Novita Dwi Silvia Anisa Nurul Amalia Anwar Anwar Ardi Satrial Arif Hidayat Aris Munandar Armyn Hasibuan Aryanti, Yosi Asep Nuhdi Asep Nuhdi Asep Saepurokhman Asep Saepurokhman Asep Supriatna Ashfa Khoirun Nisa’ Aslan Aslan Asmar, Mohd. Dimasqi Abandi Aspuri Asri Karolina, Asri Attabik Hasan Ma’ruf Ayad, Nahid Aziz, Thorik Aziza Meria Azizah Pakaya Azizah, Balkis Nur Baiti, Noor Balkis Nur Azizah Balya Ziaulhaq Achmadin Baroud, Najah Baso Pallawagau Bastiar Bastiar Benny Prasetiya Budiningsih, Iffah Bukhari Bukhari Burhan Yusuf Habibi Bushra Alfallah Chalimah Chalimah Chalimah Choirudin, Choirudin Cholidi, Muhammad Fiqih DafaAllah Ibrahim Daimah Darajah, Nely Irnik Dasrizal Dasrizal Datres, Datres DAULAY, MUHAMMAD ROIHAN Dewi Nita Utami Dewi Nita Utami Dharma Setyawan Dharmawan, M. Alvin Setia Diah Widiawati Diah Djoko Susilo Dwi Nugroho Edi Kurniawan Eko Zulfikar Ela Sartika ELIHAMI, ELIHAMI Enang Hidayat Ending Solehudin Engkizar, Engkizar Entisar Alatrish Erfan Habibi Ermy Dikta Sumanik Evi Kurnia Putri Fadhillah Fadhillah, siti Fadholi, Amak Fadli Rais Faizal Amin Fajar Syarif Fajariyah, Lukman Fakhruddin Mansyur Faridi Faridi Fatahillah, Wilnan Fatin Nabilah Abdul Wahid Fatoni Achmad Fauzan . Fa’atin, Salmah Febriani, Afifah Fina Mazida Husna Fina Mazida Husna Fina Mazida Husna Fitrayani Fitrayani, Fitrayani Fitri Kurnia Fitri Liza Fitriyani, Yani Fitroh Khasanah Khasanah Fouad Larhzizer Galih Pratama Gunawan Widjaja Gustianti, Rizky Habib Badawi Hady, Alya Nafiesa Hajer Albshkar Hamdan Hasibuan Haris Shofiyuddin Harisudin, Harisudin Hasan, KN, Sofyan Hasan Hasanuddin Hasanuddin Hasanuddin Ingkap Hasanuddin, Hasanuddin Hayati, Mardiyan Helene Knudstad Heni Pujiastuti Hisam Ahyani Hisam Ahyani Hisbullah Salam Huda MF, Moh Shofiyul Husin Husin Husna Nashihin Husna, Faizatul Husna, Fina Mazida Husna, Ismatul Huyen, Phan Thanh Ichwan, Moh. Nor Ida Zahara Adibah Idah Faridah Laily, Idah Faridah Idris Hemay, Idris Idzam Fautanu Ifan Ali Alfatani Ihwanul Muadib Ilham Ramadan Imam Abdullah Imam Yahya Imam Yahya Imron Baehaqi Indar Wahyuni Iryansyah Iryansyah Iskandar Iskandar Islami, Muhammad Zhamir Ismail Ismail Ismail Iswandi Iswandi Jaafar, Azhar Januari, Anas Tania Jasri, Jasri Jasri, Jasri Jovial Pally Taran Jufri, Masudi Jumrotunisak Jumrotunisak Kadeni Kadeni, Kadeni Kamal, Fathurahman Kamus Karima Elhaj kasheem, Majdy Kauthar Razali Kerwanto Khairil Anwar Khairil Anwar Khairil Anwar Khairil Anwar Khairul Fikri Khakim, Ahmad Maulidin Nuril Kholilurrohman Kholilurrohman Khuloud Alouzi Kirom, Abdul Kuliyatun Kurniawan Kurniawan Kurniyah Kusmanningrum, Yunita Lathifatul Chasanah Laylay Hasan Laylay Hasan Lestari, Rr. Hesti Setyodyah Liza, Fitri Luhuringbudi, Teguh Luluk Alfiya M. Dwi Rahman Sahbana M. Hidayatulloh M. Yunus Sudirman M. Zaki Ma'mun, Mohamad Maesaroh Lubis Magfiroh, Amirin Nisa'uh Mahmoud Abdullah Mahmudin Mahmudin, Mahmudin Mahmudulhassan Makherus Sholeh Makmudi Makmudi Makmudi, Makmudi Maknuun, Lu’lu’il Maliki, Noval Mamdukh Budiman Mansur Muhammad Abu Zinah Mansyur, Fakhruddin Mardan Mardiyah, Nor Mardiyan Hayati Marhamah Marhumah, Qoidatul Marlinda Irwanti, Marlinda Marliza Oktapiani MARLIZA OKTAPIANI Marsatri Marsatri Maryam Pakaya Mar’atun Sholiha Masoud, Mohieddin Massuhartono Masyitah Masyitah Mawaddah, Nurul Md. Sultan Mahmud Mega Iswari Mega Mustika Mei Prabowo Meti Fatimah Midahayati, Rina Milsih, Ira Saputra Mirza Mahbub Wijaya Moch. Nurcholis Mochammad Nginwanun Likullil Mahamid Moh Masduki Moh Mujibur Rohman Moh. Amiril Mukminin Moh. Asror Yusuf Moh. Samsul Ulum Moh. Syarif Hidayat Mohammad Abdul Munjid Mohammad Ahmad Bani Amer Mohammad Ahmad Bani Amer Mohammad Padil Mohammad Samsul Arifin Mohd Aizul Yaakob Mohd. Azis Mohieddin Masoud Moses Adeleke Adeoye muflihah muflihah Muhamad Abdul Anam Muhamad Ichrom Muhamad Isa Ansyori Muhammad Choirin Muhammad Dzikron Maghfur Muhammad Khoirul Lutfi Muhammad Kristiawan Muhammad Mubasysyir Munir Muhammad Ndow Muhammad Ridha Muhammad Ridwan Muhammad Saleh Muhammad Syaiful Muhammad Taufan Muhyar Fanani Muhyar Fanani Mujibuddin , M Mujiburrohman Mujiburrohman Mukaromah, Kholila Mukarromah, Lu’luil Mukhlis Mukhlis Mulyani, Cici Rumi Murni Yanto Musahadi Musahadi, Musahadi Mustamin, Siti Walidah Mustofa Mustofa Mutholingah, Siti Muzaiyana Mu’minin, Nashrul Nabila Aulia Nursalma Nabila Yusof Nabila Yusof Naeli Mutmainah Nafi, Muhammad Nahid Ayad Nahid Ayad Nahid Ayad Nahid Ayad Najah Baroud Najeeb Yahya Nanda Kurnia Putra Naser Ali Abdulghani Naser Ali Abdulghani Nasihun Amin Nasir Nasution, Ismail Fahmi Arrauf Natasya Putri Nely Irnik Darajah Neneng Nurhasanah Ngatmin Abbas Nisfah, Amirotun Noor Zinatul Hamidah Nuhdi, Asep Nukman Nukman Nur Hadi Nur Hamidah Pulungan Nur Hamidah, Nur Nurhayati Nurhayati Nuri Firdausiah Nurlailatul Nikmah Nurwahida Nurwahida Nurwahidin, Pantja Oktavia, Gifa Paisun Paisun Panggih Abdiguno Parwanto Parwanto, Parwanto Pulungan, Husniah Ramadhani Purnama Putra Purnama Putra, Purnama Putra, Dimas Pradana Putri, Amanda Alifia Rahendra Maya Rahendra Maya, Rahendra Rahmadhani Fitri Rahman Fanani Rahman, Ikhwan Raihani Salma Amatullah Ramdhan, Tri Wahyudi Rangga Firdaus Rani Darmayanti Ratnasari, Khurin Reni Dwi Anggraini Reswari, Ardhana Reviyanti, Reni Reza Idria Ridho, Muhammad Mukharom Ridwan Ridwan Malik Rijanto, Widio Ririn Inayatul Mahfudhoh Ritanti, Renata Anindhitya Rizkiy Pratama Putra Robert Setio Ronaldi Rosyadi, Nabil Rusydi Khalid Rusydi, AM Sa'diyah, Miftahus Safa Alrumayh Safa Alrumayh Safa Alrumayh Safa Alrumayh Sahiron Syamsuddin Salam, Hisbullah Salem Aladi Salem Aladi Sami Barkah Sami Barkah Samsuddin Samsuddin Samsuddin Samsuddin Samsuddin Samsuddin Samsuddin Samsuddin Samsuddin Samsuddin Sandi Pratama Sara Omran Sarkanto Setiawan, Dadan Setyaningrum, Vidhy Andika Shalghoum, Najimudin Sheerly Sheerly Sheerly, Sheerly Shodiqi, Fauzan Shofa Aulia Kumala Sholeh, Makherus Sholihuddin, Moh Sigit Tri Utomo Sirojul Baehaqi Siti Nurohmah Siti Ropiah Sitonda, Syawal Slamet Riyadi Sri Wahyuni St. Salehah Madjid Su'eb, Su'eb Subhan Subhan Suhana Sarkawi Suhana Sarkawi Suhardiman Suhardiman Suhendri Suhendri Suhono Suhono, Suhono Sukendar Sukendar sullati armawi Sunarno Supandi, Ach. Faqih Suparto Susetiyo, Ari Sya'roni, Mokh. Syahran, Muhammad Syaiful Dinata Syamsurizal Yazid Syarifah Syarifah Syarifaturrahmatullah Syarifaturrahmatullah Syawal Sitonda T. Wildan taufikin, taufikin Teguh Luhuringbudi Teguh Luhuringbudi Tri Wahyudi Ramdhan Ubaidillah Ulama'i, A. Hasan Asy'ari Umar Manshur Umi Fitri Lestari Umi Latifah Unang Sodikin Ushansyah Ushansyah Usman Aliyu Yunusa Uswatun Chasanah Uswatun Hasanah Uswatun Nisa Utami, Dewi Nita Vannisa Aviana Melinda Wahyu Nur Cholis Wahyudi Wanandi, Zulfian Wanto, Deri Widia Fitri Wijaya, Mirza Mahbub Winarto Eka Wahyudi, Winarto Eka Yahya Komarudin Yahya Komarudin Yahya, Najeeb Yaqin, Muhamaad Ainul Yasser Muda Lubis Yazidul Busthomi Yelykha Henirayuza Nst Yoga Irama Yogi Yogi Yuli Andriansyah Yulia Tri Samiha Yuliantika, Anindhita Arina Yusdani Yusrial Yusrial Zaenal Abidin Zaidan Almas Zainuddin, Zainuddin Zayad Abd. Rahman Zaynab Omar Zaynab Omar Zulmasri Zulmasri Zulpandri Zulvia Trinova