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All Journal Jurnal Bina Bangsa Ekonomika Kanun: Jurnal Ilmu Hukum JCAIP: Journal of Contemporary Applied Islamic Philanthropy Review of Management, Accounting, and Business Studies Jurnal Citra Multidisiplin Al-Ilmiya: Jurnal Pendidikan Islam
Abdul Malik
Universitas Muhammadiyah Makassar
Religion Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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EFEKTIVITAS PROGRAM PEMBIAYAAN MIKROFINANCE DESA OLEH BAZNAS DALAM MENDORONG PENGEMBANGAN USAHA MIKRO MUSTAHIK Jasri Jasri; Andi Syarifah Wahdah; Muhammad Ridwan; Abdul Malik
Jurnal Bina Bangsa Ekonomika Vol. 16 No. 2 (2023): Jurnal Bina Bangsa Ekonomika (JBBE)
Publisher : LP2M Universitas Bina Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46306/jbbe.v16i2.409

Abstract

This study is intended to identify how the implementation of the village microfinance program by Baznas affects the development of micro-enterprises owned by mustahik in BAZNAS, Maros Regency. The research method used in this study is descriptive qualitative research. Data collection methods include observation, face-to-face interviews, and documentation. Research findings show that the implementation of the Village Microfinance program by the National Amil Zakat Agency in Maros Regency contributes significantly to micro-entrepreneurs in developing their businesses, especially for those who have difficulty accessing capital. This program also helps micro-entrepreneurs to overcome the impact of declining income due to the impact of the COVID-19 pandemic. In addition to financial support, mustahik engaged in the micro business sector also receive market access assistance from the Village Microfinance program by BAZNAS, making it easier for them to promote the business products they produce
Determinants of Digital Zakat Adoption among Generation Z in Indonesia Abdul Malik; Jasri; Harun Alrasyid; Siti Walida Mustamin
Journal of Contemporary Applied Islamic Philanthropy Vol. 4 No. 1 (2026): JCAIP
Publisher : Nuban Jagadhita Centre

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62265/jcaip.v4i1.574

Abstract

Purpose: This study aims to examine the determinants of digital zakat adoption among Generation Z within the framework of Islamic philanthropy. Methodology: This study employs a quantitative approach using Partial Least Squares Structural Equation Modeling (PLS-SEM) based on data collected from 130 respondents in Makassar, Indonesia. Findings: The findings demonstrate that trust is the most dominant factor influencing digital zakat adoption, followed by technology use and financial inclusion, while financial literacy shows the weakest effect. The results indicate that trust exhibits the strongest influence, suggesting its central role in shaping digital zakat behavior. The study uncovers a behavioral paradox in which trust and technological convenience play a more significant role than financial literacy. These findings emphasize the importance of developing trust-based digital ecosystems to enhance participation in Islamic philanthropic practices. This study introduces a behavioral paradox in digital zakat adoption, showing that trust and technological convenience play a more dominant role than financial literacy in influencing Generation Z’s digital zakat behavior. This finding offers a new perspective within the discourse of Islamic philanthropic behavior in the digital era. The findings also provide practical implications for zakat institutions in designing transparent, secure, and user-friendly digital ecosystems to strengthen public participation in digital zakat practices.
MODEL WORKSHOP DAN PENDAMPINGAN BERBASIS CANVA DALAM MENINGKATKAN KOMPETENSI GURU MENGEMBANGKAN MEDIA PEMBELAJARAN DIGITAL DI KABUPATEN ENREKANG Nur Aina; Abdul Malik
Jurnal Citra Multidisiplin Vol. 1 No. 7 (2026): Jurnal Citra Multidisiplin (Juli)
Publisher : STKIP Citra Bakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38048/jcm.v1i7.7307

Abstract

Perkembangan teknologi digital menuntut guru mampu merancang media pembelajaran yang inovatif dan menarik. Namun, asesmen awal menunjukkan bahwa pemanfaatan media digital dan keterampilan penggunaan Canva oleh guru masih terbatas. Program pengabdian ini bertujuan meningkatkan kompetensi guru dalam mengembangkan media pembelajaran digital melalui model workshop dan pendampingan berbasis Canva. Kegiatan menggunakan pendekatan kualitatif deskriptif dengan desain Participatory Action Research yang melibatkan 23 guru dari UPT SDN 172 Enrekang dan Pondok Pesantren Darul Falah Enrekang. Program dilaksanakan melalui asesmen kebutuhan, seminar, workshop Canva, pendampingan pengembangan media, dan evaluasi reflektif. Data dikumpulkan melalui observasi, wawancara, dokumentasi, dan penilaian produk, kemudian dianalisis menggunakan model Miles, Huberman, dan Saldaña. Hasil menunjukkan bahwa seluruh peserta mampu menghasilkan media pembelajaran berbasis Canva sesuai mata pelajaran yang diampu, dengan sebagian besar produk berada pada kategori baik. Program ini juga meningkatkan kompetensi digital, kreativitas pedagogis, kepercayaan diri, dan kolaborasi profesional guru. Model workshop dan pendampingan berbasis Canva berpotensi diterapkan pada satuan pendidikan lain dengan penyesuaian terhadap kebutuhan dan konteks masing-masing.
The impact of the COVID-19 pandemic on financial report MSMES business practices: A phenomenological analysis Harun Alrasyid; Abdul Malik; Sultan Sultan
Review of Management, Accounting, and Business Studies Vol. 4 No. 1 (2023)
Publisher : Universitas Pendidikan Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38043/revenue.v4i1.4852

Abstract

This study delved into the repercussions of the COVID-19 pandemic on the Financial Statements and Business Practices of Micro, Small, and Medium Enterprises (MSMEs) in Palopo City. Utilizing a qualitative phenomenological approach within an interpretive paradigm, the study involved 3 business owners, 1 consumer, and 1 government representative as informants. Data collection methods included interviews, observation, and documentation. The interactive data analysis method, encompassing data reduction, presentation, conclusion, and verification, was employed. The findings indicated a profound impact of the COVID-19 pandemic on the financial reports and business practices of MSMEs. There was a substantial reduction in turnover across various MSME sectors, particularly affecting wholesale and retail traders, food and beverage, and tourism. According to LIPI's P2E data, micro food and beverage businesses experienced a 27% impact, small businesses at 1.77%, and medium-sized businesses at 0.07%. The study highlighted the pandemic's effects on MSMEs, including decreased sales, income reduction, employee cuts, weakened purchasing power, and increased expenditures.
THE JUSTIFICATION AND IMPLEMENTATION OF FINES ON CAPABLE CUSTOMERS IN ISLAMIC FINANCIAL INSTITUTIONS: A SHARIAH LAW PERSPECTIVE Mega Mustika; Mowafg Masuwd; Ridwan Malik; Hasanuddin Hasanuddin; Abdul Malik
Kanun Jurnal Ilmu Hukum Vol 27, No 1: April 2025: Customary Law and development in Indonesia
Publisher : Universitas Syiah Kuala

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Abstract

The imposition of fines on financially capable customers who delay installment payments in Islamic financial institutions presents a complex issue that necessitates justification in accordance with Shariah principles. This study examines the application of principles such as justice, legal compliance, and responsibility within the fine policies directed at these customers. It further assesses the degree to which the imposition of fines is accepted across various Islamic financial institutions and explores how existing regulations can be clarified to ensure adherence to Shariah principles. The fatwa issued by the Indonesias National Sharia Council of the Indonesian Ulema Council (DSN-MUI) permits the imposition of fines solely on financially capable customers who intentionally delay their payments. However, a significant challenge persists: the lack of a standardized criterion for identifying capable customers who should justly incur fines, including the specific duration of delinquency required before a fine is applied. Islamic banks fundamentally operate on the profit-sharing principle and do not inherently recognize fines in the same manner as conventional banks. Nevertheless, to mitigate customer negligence and maintain a balance between justice and legal compliance, some Islamic banks incorporate fines into their financing contracts. This practice remains contentious, primarily due to concerns that such fines may resemble riba qardh or riba nasiah, both of which are explicitly prohibited in Islam. This article contributes to the development of standardized guidelines for Islamic banks, facilitating the objective identification of capable customers and the implementation of fines in a manner that aligns with Islamic values.
Pengaruh Iklan Digital terhadap Penjualan Makanan Halal Siap Saji di Makassar Anatasya; Muhammad Ridwan; Abdul Malik
Al-Ilmiya: Jurnal Pendidikan Islam Vol. 1 No. 5 (2026): Al-Ilmiya: Jurnal Pendidikan Islam (Maret)
Publisher : Al-Ilmiya: Jurnal Pendidikan Islam

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Abstract

The development of information technology has encouraged the use of digital advertising as a marketing strategy, particularly in halal fast food businesses in Makassar. This study aims to analyze the effect of digital advertising on increasing sales of these products. This study used a quantitative approach with a sample of 157 respondents selected through purposive sampling. Data were collected using a Likert-scale questionnaire and analyzed using simple linear regression, t-test, and the coefficient of determination (R²). The results showed that digital advertising had a positive and significant effect on sales, with a beta coefficient of 0.831 and a significance level of <0.05. The R² value of 0.691 indicates that 69.1% of sales variation is influenced by digital advertising. Marketing through social media such as Instagram and TikTok has proven effective in increasing consumer purchasing interest through attractive visual content and clear product information. Thus, digital advertising is an effective marketing strategy in increasing sales of halal fast food and is in line with Sharia principles that emphasize transparency and honesty.
Implementasi Prinsip Syariah dalam Pengelolaan Dana Desa untuk Meningkatkan Kesejahteraan Masyarakat Desa Rannaloe Kecamatan Bungaya Kabupaten Gowa Muh Nurdin; Muhammad Ridwan; Abdul Malik
Al-Ilmiya: Jurnal Pendidikan Islam Vol. 1 No. 5 (2026): Al-Ilmiya: Jurnal Pendidikan Islam (Maret)
Publisher : Al-Ilmiya: Jurnal Pendidikan Islam

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Abstract

Penelitian ini bertujuan untuk menganalisis implementasi prinsip syariah dalam pengelolaan dan pelaporan Dana Desa serta dampaknya terhadap peningkatan kesejahteraan masyarakat di Desa Rannaloe, Kecamatan Bungaya, Kabupaten Gowa. Penelitian ini menggunakan pendekatan kualitatif dengan metode deskriptif melalui observasi, wawancara, dan dokumentasi. Hasil penelitian menunjukkan bahwa pelaporan penggunaan Dana Desa telah dilaksanakan berdasarkan prinsip syariah, khususnya amanah, kejujuran, transparansi, dan keadilan. Aparat desa mengelola dan melaporkan dana secara bertanggung jawab, terbuka kepada masyarakat melalui papan informasi dan forum musyawarah desa, serta didukung oleh mekanisme pengawasan dari BPD dan masyarakat. Praktik ini memperkuat kepercayaan publik dan menjaga stabilitas sosial di tingkat desa.Pengelolaan Dana Desa juga memberikan dampak nyata terhadap peningkatan kesejahteraan masyarakat melalui pembangunan infrastruktur, peningkatan aktivitas ekonomi dan sosial, serta penyaluran bantuan sosial yang tepat sasaran. Meskipun manfaatnya belum sepenuhnya merata karena keterbatasan anggaran, secara umum pengelolaan Dana Desa telah meningkatkan rasa keadilan, kepercayaan masyarakat, dan kualitas hidup warga Desa Rannaloe.  
Pengaruh Label Halal terhadap Minat Beli Konsumen Produk Frozen Food di Kota Makassar Hafsah Hasan; Muhammad Ridwan; Abdul Malik
Al-Ilmiya: Jurnal Pendidikan Islam Vol. 1 No. 5 (2026): Al-Ilmiya: Jurnal Pendidikan Islam (Maret)
Publisher : Al-Ilmiya: Jurnal Pendidikan Islam

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Abstract

This study aims to determine the level of consumer purchase intention toward frozen food products in Makassar City and to analyze the influence of halal labeling on such purchase intention. Frozen food products are widely favored by the public due to their practicality; however, they also raise concerns regarding the clarity of ingredients and production processes, particularly among Muslim consumers. Therefore, the presence of a halal label is considered an important factor in providing a sense of security and increasing consumer trust in making purchasing decisions. This research employs a quantitative method with a survey approach. The population of this study consists of Muslim consumers in Makassar City who have previously purchased frozen food products. The sampling technique used is purposive sampling, with a total of 135 respondents determined using the Slovin formula with an error tolerance of 8%. Data were collected through an online questionnaire using a Likert scale. The collected data were then analyzed using classical assumption tests and simple linear regression analysis with the assistance of SPSS version 27. The results of the study indicate that halal labeling has a positive and significant effect on consumer purchase intention toward frozen food products in Makassar City. This is evidenced by a significance value of less than 0.05 and a coefficient of determination showing that the halal label variable explains a substantial portion of the variation in consumer purchase intention. These findings confirm that halal labeling not only functions as a religious symbol but also serves as an indicator of quality and trust that influences Muslim consumer behavior. Thus, this study provides both theoretical and practical contributions to the development of halal product marketing, particularly in the frozen food industry.  
Co-Authors Anatasya Andi Syarifah Wahdah Hafsah Hasan Harun Alrasyid Harun Alrasyid Hasanuddin, Hasanuddin Jasri Jasri, Jasri Mega Mustika Mowafg Abrahem Masuwd Muh Nurdin Muhammad Ridwan Nur Aina Ridwan Malik Siti Walida Mustamin Sultan Sultan