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Analysis of Halal Literacy, Halal Awareness, Motivation and Religiousity of SMES on Interest in Halal Certification in Banjarmasin Wahab, Abdul Wahab; Iman Setya Budi; Amanda, Afina Putri Fatimah
Journal of Islamic Economic Laws Vol. 7 No. 02 (2024): July
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/jisel.v7i02.5071

Abstract

Micro, Small, and Medium-Sized Enterprises (MSMEs) play a significant role in Banjarmasin City's local economic development. Along with this growth, halal products have great potential to gain the support of consumers whose awareness of halal products is increasing. Halal factors are becoming increasingly important to consumers when making routine product purchases. This study examines how the motivation,religiosity, halal literacy, and halal awareness of MSME (Micro, Small, and Medium Enterprises) actors affect their desire to get halal certification in Banjarmasin City. This study is conducted using field research using a quantitative descriptive technique. Purposive sampling, a non-probability sampling technique, selects samples based on the requirement to meet specific objectives, such as identifying MSMEs in Banjarmasin for a minimum of one year. A questionnaire is used for data collection, and the sample size is 96. Using SPSS 25.0 for Windows applications,the following data analysis procedures were employed: hypothesis testing, data validity analysis, and descriptive data analysis. The findings indicate that MSMEs' interest in Halal Certification in Banjarmasin City is significantly influenced, at least in part, by the factors of Halal Literacy, Halal Awareness, Motivation, and Religiosity. The factors significantly impacting MSMEs' interest in halal certification in Banjarmasin City simultaneously include motivation,religiosity, halal literacy, and halal awareness.
Digital Shariah Governance and the Future of Islamic Finance: A Framework for AI-Driven Shariah Compliance in a Global Regulatory Environment Wahab, Abdul Wahab; Ilma Mahdiya
International Journal of Islamic Finance Vol. 3 No. 2 (2025): November 2025
Publisher : Department of Islamic Financial Management, Faculty of Economics and Islamic Business, Sunan Kalijaga State Islamic University, Yogyakarta, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/ijif.v3i2.2777

Abstract

Background: Digital transformation in Islamic finance offers significant opportunities while simultaneously challenging the sustainability of Sharia principles, particularly in governance, transparency, and compliance. Although Artificial Intelligence (AI) enhances operational efficiency and decision-making accuracy, its application raises ethical and juridical concerns due to the gap between technological innovation and maqasid al-shariah values.   Objectives: This study aims to develop a conceptual model of AI-based digital Sharia governance by integrating the Technology Acceptance Model (TAM), Institutional Theory, and Maqasid al-Shariah to explain technology acceptance, institutional legitimacy, and the realization of public welfare objectives. Novelty: The novelty lies in integrating these three major frameworks, which are rarely combined in Islamic finance studies, by bridging user acceptance, institutional pressures, and Islamic normative values within a unified digital Sharia governance model. Research Methodology / Design: This study adopts a conceptual-theoretical approach through systematic analysis and synthesis of reputable international literature in Islamic finance, financial technology, and ethical governance. The model links perceived usefulness, institutional legitimacy, and maqasid orientation without employing empirical data. Findings: The proposed model indicates that the success of AI-driven digital Sharia governance depends on the synergy between user acceptance, institutional compliance, and alignment with maqasid al-shariah values, particularly justice, public welfare, and the protection of collective interests. Implication: Theoretically, this study contributes to the literature on the integration of technology and Islamic ethics. Practically, it provides a strategic reference for regulators and Islamic financial institutions in designing AI-based digital governance frameworks that are not only technologically efficient but also Sharia-compliant and ethically grounded.