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All Journal Jurnal Al-Qardh Profetika Jurnal Pendidikan Agama Islam Al-Thariqah ATTARBIYAH: Journal of Islamic Culture and Education Transformatif Legitima: Jurnal Hukum Keluarga Islam EduReligia : Jurnal Pendidikan Agama Islam Journal of Institution And Sharia Finance Jurnal Tabarru': Islamic Banking and Finance Al-Iqtishadiyah: Ekonomi Syariah dan Hukum Ekonomi Syariah Madinah: Jurnal Studi Islam Al-Iqtishod : Jurnal Ekonomi Syariah Jurnal Pemikiran Islam (JPI) Jurnal Ilmu Akuntansi dan Bisnis Syariah (AKSY) Al-MIKRAJ: Jurnal studi Islam dan Humaniora El Madani: Jurnal Dakwah dan Komunikasi Islam ICO EDUSHA Electronic Journal of Education, Social Economics and Technology Journal of International Multidisciplinary Research Borneo Community Development Legitima : Jurnal Hukum Keluarga Islam USRATUNA: Jurnal Hukum Keluarga Islam Tawazuna RANGGUK: Jurnal Pengabdian Kepada Masyarakat Profetika: Jurnal Studi Islam Legitima: Jurnal Hukum Keluarga Islam Islamic Economics Journal
Musthofa, Khabib
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Peluang, Strategi, Dan Tantangan Industri Perbankan Syariah Dalam Menghadapi Artificial Intelligence (AI) Elman Nafidzi; Khabib Musthofa
Journal of International Multidisciplinary Research Vol. 3 No. 2 (2025): Februari 2025
Publisher : PT. Banjarese Pacific Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62504/jimr1212

Abstract

Penelitian ini bertujuan untuk menganalisis peluang, strategi, dan tantangan yang dihadapi industri perbankan syariah dalam menghadapi perkembangan kecerdasan buatan (AI). Metode yang digunakan dalam penelitian ini adalah metode kualitatif deskriptif dengan pendekatan studi pustaka, yang mengkaji berbagai literatur, laporan industri, serta regulasi yang terkait dengan implementasi AI dalam perbankan syariah.Hasil penelitian menunjukkan bahwa AI memiliki potensi besar dalam meningkatkan efisiensi operasional perbankan syariah, terutama melalui otomatisasi layanan keuangan, penggunaan chatbot dalam layanan nasabah, serta analisis risiko berbasis big data yang dapat meningkatkan akurasi pengambilan keputusan. Selain itu, AI juga dapat membantu dalam penguatan kepatuhan syariah melalui analisis kontrak berbasis machine learning dan deteksi transaksi yang tidak sesuai dengan prinsip syariah. Namun, implementasi AI dalam perbankan syariah juga menghadapi berbagai tantangan, seperti kepatuhan terhadap prinsip syariah, keamanan data dan privasi, serta kesiapan teknologi dan infrastruktur. Untuk mengatasi tantangan tersebut, diperlukan strategi yang mencakup kolaborasi dengan fintech berbasis syariah, penguatan regulasi AI oleh otoritas keuangan syariah, serta investasi dalam pengembangan sumber daya manusia dan infrastruktur digital. Kesimpulannya, perbankan syariah dapat memanfaatkan AI untuk meningkatkan daya saing dan efisiensi, namun penerapannya harus dilakukan dengan tetap mempertahankan kepatuhan terhadap prinsip syariah dan memperhatikan aspek etika serta keamanan data. Dengan pendekatan yang tepat, AI dapat menjadi alat yang mendukung pertumbuhan perbankan syariah secara berkelanjutan.
Dampak Alih Fungsi Perkebunan Karet ke Kelapa Sawit Bagi Kesejahteraan Petani Desa Kebun Agung Kecamatan Pangkalan Banteng Kabupaten Kotawaringin Barat Musthofa, Khabib
AL-QARDH Vol 5 No 1 (2020): AL-QARDH
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Palangka Raya

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

Abstract

ABSTRACTThis research is a phenomenon of the function of rubber to oil palm plantations carried out by farmers in the village of Kebun Agung, Pangkalan Banteng District, Kotawaringin Barat Regency. The aims of this study how the background causes of rubber farmers to switch to being an oil palm farmer in Kebun Agung Village. Second, how is the impact on the welfare of rubber farmers after being converted into oil palm farmers in Kebun Agung Village. The purpose of this study is to find out the background that causes rubber farmers to convert their plantations into oil palms and the impact on the welfare of farmers. This research is a qualitative research with a descriptive approach. The subject was focused on 9 farmers by sampling using purposive sampling techniques.The results of this study indicate that the background of the cause of rubber farmers to switch to being an oil palm farmer in Kebun Agung Village, Pangkalan Banteng District, Kotawaringin Barat Regency is work as a rubber farmer that is done every day while the price is cheap so that farmers' income is not enough to meet economic needs. Whereas palm oil works only once every two weeks are more expensive than rubber and are sufficient to meet daily needs. The impact of the welfare of the rubber farmer's family after being converted into an oil palm farmer in Kebun Agung Village, Pangkalan Banteng District, Kotawaringin Barat Regency is a positive impact for farmers, their income increases, their work is lighter, their assets are increased, and their families feel more prosperous than before.ABSTRAKPenelitian ini adalah fenomena alih fungsi perkebunan karet ke kelapa sawit yang dilakukan petani desa Kebun Agung Kecamatan Pangkalan Banteng Kabupaten Kotawaringin Barat. Fokus masalah pada penelitian ini adalah bagaimana latar belakang
SOSIALISASI HUKUM RIBA TERHADAP PENGGUNA GOPAYLATTER DI DESA BERINGAN KECAMATAN ALALAK KABUPATEN BARITO KUALA Masrina, Masrina; Hasanah, Ikhwatun; Musthofa, Khabib; Andira, Ayu
RANGGUK: Jurnal Pengabdian Kepada Masyarakat Vol. 4 No. 2 (2024): RANGGUK: Jurnal Pengabdian Kepada Masyarakat
Publisher : Institut Agama Islam Negeri Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/rgk.v4i2.3899

Abstract

The Islamic ban of usury is an attempt to eradicate economic injustice. This is against Islamic teachings, which emphasize helping the poor and middle class so that the wealthy don't take advantage of them. Reason being that Islamic economics teaches a commitment to social order and humanity, while also rejecting the idea of injustice and the vicious cycle it creates, which in turn leads to poverty. Users of Gopaylartter in Beringin Village, Alalak District, Barito Kuala Regency will be educated on usury legislation and given an overview of Islamic perspectives on debt and credit, which do not include usury. Although there are still obstacles to solve before Islamic banking can be more widely and effectively implemented, there have been good outcomes from socializing usury legislation on GoPayLater users, such as improved knowledge, comprehension, and interest.
Pendampingan Self Declare Sertifikasi Halal pada Pengolah Jamu Loktabat Banjarbaru untuk Meningkatkan Daya Saing Produk Masrina, Masrina; Ardila, Istiqamah; Musthofa, Khabib; Maharani, Dewi; Lestari, Dinda
RANGGUK: Jurnal Pengabdian Kepada Masyarakat Vol. 5 No. 2 (2025): RANGGUK: Jurnal Pengabdian Kepada Masyarakat
Publisher : Institut Agama Islam Negeri Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/rgk.v5i2.5950

Abstract

The loktabat herbal medicine processing group in Banjarbaru City faces significant challenges in improving competitiveness, especially regarding the absence of halal certification. This community service program aims to assist the group in obtaining halal certification through a self-declaration scheme, developing an integrated digital documentation system, and strengthening halal value-based marketing strategies. The implementation method adopts a participatory approach with a focus on two main areas: (1) production and standardization, including halal certification workshops, raw material mapping, and SOP development; and (2) business management and marketing, including the implementation of digital bookkeeping systems and the development of halal branding. The program was implemented for eight months involving 25 active herbal medicine processor. Targeted results include obtaining halal certification within six months, increasing operational efficiency by 30%, implementing a digital documentation system with a 90% adoption rate, and expanding the marketing network through three specialized marketplaces for halal products. This program contributes to strengthening the competitiveness of local MSMEs through product standardization and digitalization of management systems, as well as supporting the achievement of the university's Key Performance Indicators (KPI) in terms of collaboration with the community. The success of this program can be a replication model for the development of other traditional MSMEs in adopting halal standards and modern management systems.
MODERASI BERAGAMA SEBAGAI RESPON BIJAK DI TENGAH WABAH COVID-19 Khabib Musthofa
Profetika: Jurnal Studi Islam Vol. 22, No. 2, Desember 2021
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/profetika.v22i2.16671

Abstract

Artikel ini mencoba menggambarkan respon masyarakat Indonesia dalam menyikapi wabah covid-19. Mulai dari response yang menganggap wabah ini telah menghalangi mereka dari beribadah kepada Allah, hingga respon ikhtiar kesehatan dengan berlebihan hingga memborong atribut protokol kesehatan (masker, handsanitizer) yang mengakibatkan kelangkaan hingga mahal barang tersebut demi kepentingan pribadi dan kelompoknya sendiri. Fenomena tersebut sejatinya tidak sejalan dengan pesan moderasi beragama yang mengandung nilai-nilai adil, tawazzun; seimbang, tolerir dan moderat. situasi pandemi seperti saat ini moderasi beragama menjadi sesuatu yang mutlak dimaksimalkan dalam menghadapi situasi yang tidak normal tersebut. Dikarenakan Covid 19 merupakan virus yang tidak memilih targetnya berdasarkan pertimbangan kesalihan diri, agama, suku dan budaya serta aliran. Setiap individu berpotensi terjangkit apabila ketahanan dan kondisi tubuh tidak kuat, tidak menerapkan pola hidup sehat atau tidak menjaga jarak (phsysical distancing).
The Role of Financial Technology in the Analysis of Good Corporate Governance Efficiency Using the Data Envelopment Analysis Method Nafidzi, Elman; Rachmadani, Fajar; Musthofa, Khabib; Futra, Ananda Aulia
AL-IQTISHADIYAH : EKONOMI SYARIAH DAN HUKUM EKONOMI SYARIAH Vol 11, No 2 (2025): Jurnal al-Iqtishadiyah
Publisher : Fakultas Studi Islam Universitas Islam Kalimantan Muhammad Arsyad Al Banjary

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31602/iqt.v11i2.21561

Abstract

The development of financial technology (fintech) has significantly influenced the banking industry, including Islamic banking, particularly in the implementation of Good Corporate Governance (GCG), which emphasizes transparency, accountability, and operational efficiency. This study aims to evaluate the efficiency of Good Corporate Governance (GCG) before and after the adoption of fintech in Islamic banks and to assess the extent to which fintech contributes to improving governance quality. The study employs Data Envelopment Analysis (DEA) as the primary analytical method, using input indicators such as operational costs, number of employees, and technology investment, and output indicators including risk management efficiency, reporting transparency, and compliance with sharia principles. The analysis focuses on several Islamic banks that have implemented fintech in their operational activities. The results indicate that fintech implementation significantly contributes to improving the efficiency of Good Corporate Governance (GCG). Banks that adopt fintech more rapidly achieve higher DEA scores, particularly in terms of transparency and risk management. Prior to fintech adoption, many Islamic Banks faced challenges related to high operational costs and inefficient governance practices. However, following fintech integration, there is a notable improvement in operational efficiency, as evidenced by comparative DEA scores across banks. In conclusion, the integration of fintech into Islamic Banking operations enhances the effectiveness of Good Corporate Governance (GCG), reduces risk exposure, and supports more transparent and accountable governance practices. 
Spirit Mitsaqan Ghalidza Dalam Pernikahan Sebagai Penguatan Keluarga di Kalimantan Tengah Khabib Musthofa; Subiono
Legitima : Jurnal Hukum Keluarga Islam Vol. 2 No. 2 (2020): Legitima: Jurnal Hukum Keluarga Islam
Publisher : Universitas Islam Tribakti Lirboyo Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33367/legitima.v2i2.1199

Abstract

Artikel ini mencoba menggambarkan fakta buram perceraian di Kalimantan Tengah. Karena Perceraian merupakan malapetaka hidup, karena dampaknya akan banyak mulai dari anak yang menjadi korban, berantakannya keluarga, hingga ke ekonomi. Jenis artikel ini adalah penelitian pustaka dengan metode retrosktif atau melihat permasalahan yang ada kemudian mencari pemecahannya. Yakni melalui nilai-nilai mitsaqan ghaliza, hasil penulisan ini antara lain nilai-nilai mitsaqan ghaliza mengajarkan kesungguhan, penuh komitmen dalam membangun keluarga, karena pernikahan merupakan ikatan sakral mengandung komitmen ilahi tidak sekedar dengan pasangan tapi juga melibatkan Allah Swt. Kemudian, salah satu janji yang terniang ketika akada pernikahan adalah Muasyarah Bilma’ruf atau menggauli dengan baik. Nilai-nilai tersebut yang nantinya sebagai fondasi awal penguatan keluarga.
Integration of Sharia Financial Literacy and Brand Happiness in Sharia Cooperatives: A Study of Member Behavior and Its Impact on Improving Welfare Elman Nafidzi; Nuur Halimatus Sa’adiah Binti Masrukhi; Khabib Musthofa; Ismi Audina
Islamic Economics Journal Vol. 12 No. 01 (2026): Islamic Economics Journal
Publisher : Faculty of Economics and Management

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/iej.v12i01.59

Abstract

The transformation in the financial behavior of Islamic cooperative members has become a crucial issue amid growing public demand for Islamic value-based financial services. Islamic financial literacy and emotional experiences with cooperative brands are believed to play a significant role in shaping economic behavior and improving members' psychological well-being. This research is motivated by the need to understand how these two variables interact and how economic behavior functions as a mechanism linking changes in member well-being. The purpose of this study is to analyze the influence of Islamic financial literacy and brand happiness on economic behavior, and to investigate their impact on the psychological well-being of members of Islamic cooperatives. The research used a mixed-methods approach, employing Partial Least Squares structural analysis to quantitatively examine relationships among variables, while qualitative data provided support to enrich the interpretation of the findings. The results show that Islamic financial literacy has the greatest influence on economic behavior, while brand happiness makes a significant direct contribution to improving psychological well-being. Economic behavior was also shown to partially mediate the relationship between literacy and brand happiness with psychological well-being, confirming that changes in well-being are influenced not only by knowledge and emotions, but also by established economic habits. Quantitatively, the SEM-PLS model confirmed that the path coefficient for Islamic financial literacy was the strongest, with the highest significance value. All indicators were tested for validity and reliability using outer and inner models, which showed satisfactory results. This study concludes that integrating literacy and brand happiness is a crucial strategy for advancing Islamic cooperatives, introducing a conceptual model that combines cognitive, affective, and behavioral aspects to explain psychological well-being more comprehensively.
Analisis Peran Social Commerce Dalam Peningkatan Penjualan Usaha Mikro Di Puruk Cahu Kabupaten Murung Raya Provinsi Kalimantan Tengah Freti Anggriani; Ikhwatun Hasanah; Khabib Musthofa
Al-Iqtishod : Jurnal Ekonomi Syariah Vol. 7 No. 2 (2025): Al-Iqtishod: Jurnal Ekonomi dan Bisnis Islam
Publisher : Program Studi Ekonomi Syariah Institut Agama Islam Sunan Kalijogo Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51339/iqtis.v7i2.4263

Abstract

Perkembangan teknologi dan media sosial mendorong pelaku usaha mikro untuk memanfaatkan social commerce sebagai sarana pemasaran dan penjualan. Di Kota Puruk Cahu, Kabupaten Murung Raya, pemanfaatan social commerce oleh usaha mikro sektor makanan belum berjalan optimal karena adanya keterbatasan jaringan internet, kemampuan digital marketing, serta kendala pengemasan dan distribusi produk. Oleh karena itu, penelitian ini dilakukan untuk menganalisis peran social commerce dalam meningkatkan penjualan usaha mikro di Kota Puruk Cahu, Kabupaten Murung Raya, Kalimantan Tengah. Penelitian ini bertujuan untuk menganalisis peran social commerce dalam meningkatkan penjualan usaha mikro di Kota Puruk Cahu, Kabupaten Murung Raya, Kalimantan Tengah. Social commerce, yang merupakan kombinasi antara e-commerce dan media sosial, menjadi alternatif strategis bagi pelaku usaha mikro dalam memasarkan produknya secara luas dengan biaya yang lebih efisien. Metode penelitian yang digunakan adalah kualitatif deskriptif dengan teknik pengumpulan data melalui wawancara, observasi, dan dokumentasi terhadap 10 pelaku usaha mikro sektor makanan yang memanfaatkan platform seperti WhatsApp, Facebook, Instagram. Hasil penelitian menunjukkan bahwa pemanfaatan social commerce memberikan dampak terhadap peningkatan penjualan, perluasan jangkauan pasar hingga ke luar daerah, dan kemudahan dalam menjalin komunikasi dengan pelanggan. Namun, beberapa kendala juga ditemukan seperti keterbatasan sinyal internet, kurangnya tenaga kerja terampil di bidang digital marketing, serta kendala dalam pengemasan dan distribusi produk. Meskipun demikian, penggunaan social commerce terbukti mampu meningkatkan penjualan usaha mikro di Puruk Cahu.
Analysis of Changes in Environmental Awareness, Consumer Preferences and Zero-Waste Shopping on Green Consumer Behavior in the Millennial Generation in South Kalimantan DEWI MAHARANI; Riyan Pradesyah; Khabib Musthofa
Electronic Journal of Education, Social Economics and Technology Vol 7, No 1 (2026)
Publisher : SAINTIS Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33122/ejeset.v7i1.1036

Abstract

This study aims to analyze the influence of changes in environmental awareness, consumer reference , and Zero-Waste Shopping on Green Consumer Behavior (GCB) in the millennial generation in South Kalimantan. The research method used is a quantitative approach with the Structural Equation Modeling (SEM) method. Data were collected through a questionnaire with a Likert scale and disseminated to 97 respondents who were selected using purposive sampling techniques.  The results showed that KL had a significant positive effect on GCB, while PK had no significant effect, indicating an attitude behavior gap. ZWS was the variable with the most dominant influence (β = 0.539; p 0.001) in forming GCB. Simultaneously, KL, PK, and ZWS accounted for 56.9% variation in GCB (R² = 0.569), indicating moderate predictive ability. The moderation analysis revealed that higher education strengthened the influence of KL, high income reduced behavioral barriers to PK, and more mature millennials strengthened the consistency of ZWS implementation. The implications of this research are expected to contribute to the community by educating the public in increasing awareness of a more sustainable lifestyle by encouraging green marketing strategies, government policies that support an environmentally friendly lifestyle for the environment. This research emphasizes that increasing sustainable consumption can be achieved through green marketing strategies, government policies that support environmentally friendly lifestyles, and consumer education about the impact of consumption on the environment.
Co-Authors AHMADI Akhmad Muadzin Setiawan Annur Tasya Alfiati Ardila, Istiqamah Aulia Mustika Ilmiani Ayu Andira Azizah Munirah Dewi Maharani Dewi Safitri Elman Nafidzi Elman Nafidzi Elman Nafidzi Fahri Fahri Fani Tatun Habibah Fitriatul Amelia Freti Anggriani Futra, Ananda Aulia Hamidah Hamidah Hasanah, Ikhwatun Iqbal Dwiyono Irma Muthiah Ismi Audina Lestari, Dinda Maharani, Dewi Masrina . Maulid Maulid Muslimah Muslimah Nafidzi, Elman Nur Asyifa Ramadhanti Nurul Wahdah, Nurul Nuur Halimatus Sa’adiah Binti Masrukhi Pradesyah, Riyan Rachmadani, Fajar Rina Sa'diah Royzak, Abdul Sabiatul Hamdi Saibatul Hamdi Saibatul Hamdi Saipudin Saibatul Hamdi, Saibatul Salma Fitriyanti Salsa Bila Sardimi Sardimi Subiono Subiono Subiono - Subiono Subiono Subiono Subiono Tantri Nadya Utami Wibowo, Fatria Ulfa