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All Journal Jurnal Manajemen Teori dan Terapan Jurnal Teknik Sipil International Journal of Islamic Economics and Finance (IJIEF) Al-Muzara'ah Journal of Islamic Monetary Economics and Finance Indonesian Journal of Halal Research Sakina: Journal of Family Studies Journal of Digital Marketing and Halal Industry Jurnal REKSA: Rekayasa Keuangan, Syariah dan Audit Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam Journal of English Language and Education JURNAL PENDIDIKAN INDONESIA: Teori, Penelitian, dan Inovasi Jurnal Magister Ekonomi Syariah Madania: Jurnal Kajian Keislaman Al-Infaq : Jurnal Ekonomi Islam
Muhamad Abduh, Muhamad
Department of Economics, International Islamic University Malaysia
Religion Humanities Biochemistry, Genetics & Molecular Biology Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Mathematics Medicine & Pharmacology Social Sciences Other

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Model Penilaian Kewajaran Harga Penawaran Kontraktor dengan Sistem Evaluasi Nilai Abduh, Muhamad; Wirahadikusumah, Reini D
Jurnal Teknik Sipil Vol 12, No 3 (2005)
Publisher : Institut Teknologi Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (202.392 KB)

Abstract

Abstrak. Proses pemilihan rekanan menjadi salah satu kunci kesuksesan pembangunan fasilitas fisik. Kriteria pemilihan harus ditentukan berdasarkan pertimbangan yang objektif dan menguntungkan bagi pemilik tanpa mengabaikan kepentingan pelaksana konstruksinya. Metoda penilaian penawaran calon pelaksana konstruksi dalam suatu pelelangan sering menggunakan kriteria ”biaya terendah.” Walaupun parameter ini sangat relevan tetapi terkadang dianggap kurang memadai. Sistem evaluasi penawaran menggunakan sistem nilai dapat menjadi alternatif apabila aspek teknis perlu dipertimbangkan sejalan dengan nilai penawaran biayanya. Penggunaan sistem nilai perlu dilakukan secara hati-hati, penentuan kriteria kombinasi aspek teknis dan harga harus bersifat objektif, kuantitatif, dan dapat ipertanggung jawabkan. Dalam makalah ini diajukan suatu model penilaian kewajaran harga penawaran sebagai komponen penilaian aspek harga dalam sistem nilai khususnya untuk kontrak harga tetap (lump sum). Pendekatan yang digunakan dalam pengembangan model penilaian kewajaran harga penawaran tersebut adalah gabungan antara faktor tingkat keyakinan estimasi biaya pemilik (atau Harga Perkiraan Sendiri, HPS) dan faktor variasi penawaran yang diajukan oleh para penawar. Model ini kemudian diuji-cobakan untuk studi kasus pengadaan suatu pembangunan gedung bertingkat. Hasil studi kasus menunjukkan bahwa model yang dikembangkan dapat digunakan sesuai dengan tujuan pihak pemilik, yaitu pemenang adalah peserta yang mengajukan penawaran yang cukup rendah namun wajar. Analisa sensitivitas dilakukan untuk mengetahui pengaruh variasi dari beberapa variabel yaitu: tingkat kepercayaan terhadap HPS; jumlah penawaran rendah; dan jumlah penawaran tinggi. Analisa sensitivitas menjelaskan bahwa untuk studi kasus, keputusan pemenang lelang tidak sensitif terhadap perubahan dalam tiga variabel tersebut. Abstract. Procurement is a significant factor for successful completion of a construction project. The bidding criteria have to be determined objectively and fairly for both the owner and the contractors. “Lowest bidder” is the most commonly used in public project procurement. While it is a valid factor, in some cases it is considered insufficient in projects where technical aspects are important in the evaluation process. An alternative method is the merit system, i.e., the determining factor is the combination of the scores awarded for the cost and the technical proposal with predetermined weights. The set of evaluation criteria (including the weights and the scores) should be objective, quantitative, and verifiable. In this paper, a model focusing on the evaluation of the aptness of a cost proposal is proposed for a tender process using the merit system on a lump sum contract scenario. A cost proposal is compared to both the owner’s estimate and its peers. The model basically involves two principals: the level of confidence in the owner’s estimate; and the variations of cost proposals. The model has been tested on a tender process of a low-rise building. The case study has been satisfactory, the winner was the contractor proposing low and “fair” cost. Sensitivity analyses have been performed for several factors: the level of confidence in the owner’s estimate; the number of proposals with low costs; the number of proposals with high costs. The analyses showed that the decision for the case study was not sensitive to the variations in those factors.
Faktor-faktor Keberhasilan Kritis Pengelolaan Teknologi Informasi pada Kontraktor di Indonesia Hikmawati, Hikmawati; Abduh, Muhamad
Jurnal Teknik Sipil Vol 11, No 4 (2004)
Publisher : Institut Teknologi Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (190.165 KB)

Abstract

Abstrak. Industri konstruksi saat ini menghadapi banyak tantangan ketika memasuki era globalisasi. Salah satu tantangan pada industri konstruksi adalah persaingan yang semakin ketat dan dorongan untuk selalu dapatberadaptasi dengan perubahan Salah satu strategi yang telah lama dilakukan untuk meningkatkan efisiensi dan efektifitas proses yang terjadi di dunia konstruksi, misalnya dengan mengadopsi teknologi informasi. Teknologi informasi saat ini menjadi salah satu primadona teknologi yang banyak diadopsi oleh hampir seluruh industri dan dipercayai dapat membantu meningkatkan efisiensi dan efektivitas proses yang berlangsung serta meningkatkan kualitas produk pada industri-industri tersebut. Demikian pula halnya industri konstruksi meskipun masih lambat dalam mengadopsi perkembangan teknologi informasi dan komunikasi ini. Beberapa perusahaan konstruksi, seperti kontraktor yang telah mulai mencoba untuk teknologi informasi (TI) ini, menghadapimasalah dengan tidak mendapatkan hasil yang optimal dari adopsi tersebut. Hal ini diakibatkan oleh lemahnya sistem pengelolaan TI itu sendiri, baik dari segi perencanaan, perancangan, implementasi, evaluasi dan pemeliharaan. Penelitian ini bertujuan untuk mengidentifikasi faktor-faktor keberhasilan kritis dalam pengelolaan teknologi informasi khususnya pada kontraktor di Indonesia, yang meliputi strategi perencanaan, perancangan, implementasi, evaluasi dan pemeliharaan. Penelitian dilakukan dengan menggunakan metode critical succes factormelalui survei berupa penyebaran kuesioner kepada 107 kontraktor yang tergabung dalam Asosiasi Kontraktor Indonesia. Hasil survei menunjukkan bahwa dari 47 faktor keberhasilan yang teridentifikasi terdapat 38 faktorkeberhasilan kritis yang dapat digunakan sebagai salah satu strategi kontraktor dalam mengelola teknologi informasi. Selain itu, faktor-faktor keberhasilan kritis tersebut juga dapat dimanfaatkan sebagai variabel untuk menilai kinerja kontraktor di Indonesia dalam mengelola teknologi informasi di perusahaannya. Abstract. Entering globalization era, contractors face many challenges, as the forces to continually adapt the changes in the very high competitive market increase. One of the strategies that is believed can answer the challenges is to improve the efficiency and effectiveness of the business processes by adopting information technologies (IT). The construction industry, like other industries, has entered the information age by using IT in a variety of ways. Yet many construction firms, that have adopted IT, faced many problems related to how to get the best of IT adoption into their business processes. IT is still used merely as supporting tools and there are many limitations to its current use in construction. It is believed that the problem lay on poor management of IT by contractors. This paper discusses a research that has been conducted to identify the critical  success factors in managing IT by Indonesian contractors. The success factors were developed based on important and necessary stages ofmanaging IT, i.e. planning, implementation, maintenance, and evaluation. The research used a self-administered questionnaire to collect opinions from 107 Indonesian contractors that are members of Indonesian Contractors Association (AKI) on the importance of each suggested factor in contributing to the successful IT management in contractors’ environment. By knowing those critical success factors, contactors can focus their efforts in managing IT to the most significant strategy to reap the benefit of IT in supporting their business process. On the other hand, the identified critical success factors can also be used as variables in evaluation of contractors’ performance in managing IT. Furthermore, the contractors can use this evaluation system to measure their performance to the others as a mean to improve their competitive advantages.
Waqif Preference of Waqf-Based Qardhul Hassan Financing in Malaysia: An Analytic Hierarchy Process Perspective Amin, Hanudin; Abduh, Muhamad; Shaikh, Imran Mehboob; Panggi, Faizah; Ag Omar, Pg Mohd Faezul Fikri; Rizal, Hamid; Ghazali, Mohd Fahmi; Razak, Dzuljastri Abdul
International Journal of Islamic Economics and Finance (IJIEF) Vol 6, No 2 (2023): IJIEF Vol 6 (2), July 2023
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/ijief.v6i2.17701

Abstract

Although Islamic banking products like tawarruq and bay al-inah personal financing products available in the Malaysian Islamic banking market, their ability to meet the need of those disadvantaged in the case of health crisis like COVID-19 or financial crisis are somehow marginal.  There is a need for Islamic social finance products to meet this challenge and one of them is the offered qardhul hassan financing funded through crowdfunding on the basis of waqf. This is called waqf-based qardhul hassan financing. For this purpose, this study introduces QAFSCALE, referred to qardhul hassan financing scale to gauge waqif preference on the facility should it is made available in the market. A total of 324 waqif or donors were participated in this study to identify their preference in donating their money in the facility should it is introduced. This study used Attia’s (2010) maqasid al-Shariah theory to generate the QAFSCALE, beginning from the conceptualisations, dimensions and importantly the batter items that represent the QAFSCALE. Analytic Hierarchy Process (AHP) is used. The results obtained indicate that humanity factor is ranked first in importance, followed by family factor, consumer factor and ummah factor. This study limitation is the sample size. A broader sample would have made the result better. Adding to that, the newly designed scale is first of its kind in the context of waqf-based qardhul hassan financing and more studies needed to prove its applicability and generalization, at least. The results obtained might be of interest to managers of Islamic banks and the like to understand their potential waqif preference in the context of waqf-based qardhul hassan financing. Four factors drawn from QAFSCALE were evaluated to identify important factors leading to the waqif contribution on waqf.
Behavioral Intention to Adopt Islamic Financial Technology: Theory of Planned Behaviour with Gender Moderation Utami, Budi Barata Kusuma; Wardiwiyono, Sartini; Hawariyuni, Weni; Abduh, Muhamad; Riadi, Imam
Jurnal REKSA: Rekayasa Keuangan, Syariah dan Audit Vol. 11 No. 2 (2024)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/jreksa.v11i2.11041

Abstract

The Islamic banking industry in Indonesia continues to grow, as evidenced by the presence of technology-based services. This study aims to test the application of the theory of plan behavior in explaining customer intention to use Islamic financial technology by adding gender variables as moderators. Primary data were collected from 298 Islamic fintech users through direct and online surveys. The sample was selected based on the purposive sampling technique. Using PLS MGA analysis, this study found that attitude, subjective norms, and perceived behavioral control positively affect the intention to use Islamic fintech, except for perceived behavioral control in the male gender. Using the MGA, Parametric, and Welch-Satterthwait tests, the study also revealed no significant difference between males and females in utilizing Islamic fintech. This study expands the understanding of psychological and social factors in adopting Islamic fintech. It also contributes to the literature by filling the research gap that has not considered gender moderation in adopting Islamic fintech.
SHARI'A SUPERVISORY BOARD AND ISLAMIC BANKS’ INSOLVENCY RISK Umar, Umar Habibu; Abduh, Muhamad; Besar, Mohd Hairul Azrin
Journal of Islamic Monetary Economics and Finance Vol 9 No 3 (2023)
Publisher : Bank Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21098/jimf.v9i3.1635

Abstract

This study examines how the characteristics and quality of Shari'a supervisory board (SSB) influence the insolvency risk of Islamic banks. It employs unbalanced panel data of 43 Islamic banks in 15 countries between 2010 and 2020, which are hand-collected from the banks’ annual reports. The results indicate that the SSB quality index, SSB Islamic finance professional expertise and SSB competency increase insolvency risk while the SSB members with PhDs reduce it. Meanwhile, SSB size, SSB meetings, SSB gender diversity (SSBG) and SSB members from foreign countries have no significant influence on the insolvency risk. These findings have implications for policymakers and regulators in carving policies and regulations in restraining the SSB from taking excessive risk. They can also guide the Islamic banks' board of directors and shareholders in appointing the SSB members. Acknowledgment The authors are grateful to the Bank Indonesia Institute and Bank Indonesia for the honorarium given after the publication.
CORPORATE ATTRIBUTES AND BANKRUPTCY PREDICTION: THE CASE OF LISTED HALAL FOOD AND BEVERAGE COMPANIES Umar, Umar Habibu; Abduh, Muhamad; Besar, Mohd Hairul Azrin
Journal of Islamic Monetary Economics and Finance Vol 10 No 1 (2024)
Publisher : Bank Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21098/jimf.v10i1.1928

Abstract

This study investigates the relationship between corporate attributes and the probability of bankruptcy among halal food and beverage companies in five countries: Indonesia, Malaysia, Pakistan, Saudi Arabia, and the United Arab Emirates (UAE). Analyzing data from 56 firms from 2008 to 2021 using static panel data method, we find that the working capital period (cash conversion cycle), leverage, and firm growth increase the probability of bankruptcy for these companies. In contrast, liquidity, profitability, and firm size reduce bankruptcy probability. The findings reveal essential firm attributes that can guide the management of halal food and beverage firms, relevant regulators, and potential investors in ensuring the firms’ long-term viability.
BOARD STRUCTURE AND ISLAMIC BANK STABILITY: A STANDALONE RISK COMMITTEE MODERATING EFFECT Umar, Umar Habibu; Abduh, Muhamad; Besar, Mohd Hairul Azrin; Kurawa, Junaidu Muhammad
Journal of Islamic Monetary Economics and Finance Vol 10 No 3 (2024)
Publisher : Bank Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21098/jimf.v10i3.1972

Abstract

This study investigates the impact of board attributes on the stability of Islamic banks and whether the presence a standalone risk management committee (SARC) moderates their relation. Applying the feasible generalized least squares (FGLS) regression as well as the two-step system generalized method of moments (GMM) estimator for robustness to a panel sample of 43 Islamic banks across 15 countries over eleven years from 2010 to 2020, we document evidence suggesting that board meetings, board gender diversity and foreign directors do not influence the stability of Islamic banks. Conversely, board members holding doctorate degrees (PhDs) significantly and negatively affect the stability of Islamic banks. In addition, the presence of SARC significantly improves the stability of Islamic banks. The study further finds that SARC partially and positively moderates the effects of board members with PhDs and foreign directors on the stability of Islamic banks.
PENGEMBANGAN KECERDASAN MAJEMUK (MULTIPLE NTELLIGENCES) DI MADRASAH Aryani, Wiwik Dyah; Rahmat, Asep; Darmawan, M.Darmawan; Abduh, Muhamad; Rikza, M.Rikza
Jurnal Pendidikan Indonesia : Teori, Penelitian, dan Inovasi Vol 2, No 3 (2022): Jurnal pendidikan Indonesia: Teori, Penelitian, dan Inovasi
Publisher : Penerbit Widina, Widina Media Utama

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59818/jpi.v2i3.233

Abstract

Intelligence is not black and white; there are several aspects of human intelligence, not just one. At least, there are nine types of human intelligence called multiple intelligences. Nine types of intelligence greatly affect a person's success in the competition of life. This paper will discuss the strategy of developing multiple intelligences in madrasah as one of the Islamic educational institutions. In fact, the practice of education in madrasah shows that the principle of multiple intelligences has long swallowed some of the ingredients that are integrated with each other. The development of potential learners in madrasah has long been developing in several aspects of emotional, intellectual, spiritual, social and individuality intelligence in accordance with Islamic teaching principles.ABSTRAKKecerdasan tidak hitam putih ada beberapa aspek kecerdasan manusia bukan hanya satu saja. Paling tidak, ada sembilan jenis kecerdasan manusia yang disebut multiple intelligences. Sembilan jenis kecerdasan sangat mempengaruhi keberhasilan seseorang dalam persaingan hidup. Makalah ini akan membahas strategi pengembangan kecerdasan majemuk di madrasah sebagai salah satu institusi pendidikan Islam. Kenyataannya praktik pendidikan di madrasah menunjukkan bahwa prinsip kecerdasan ganda telah lama menelan beberapa bahan yang saling terintegrasi satu sama lain. Perkembangan pelajar potensial di madrasah telah lama berkembang dalam beberapa aspek kecerdasan emosional, intelektual, spiritual, sosial dan individualitas sesuai dengan prinsip pengajaran Islam.
The Potential of Millennial Muslim’s Halal Tourism During The Covid-19 Pandemic Susilawati, Cucu; Abduh, Muhamad; Kamaruddin, Muhammad Iqmal Hisham; Sari, Rosi Hasna
Journal of Digital Marketing and Halal Industry Vol 4, No 2 (2022)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/jdmhi.2022.4.2.12806

Abstract

This research is motivated by the trend of increasing the tourism sector to 16.11 million people in 2019, which makes halal tourism such as one of the profitable industries in the global market. However, since the confirmed case of Covid-19 in March 2020, the tourism sector has decreased by 66.02% in April 2020. It is known that tourists visiting during the COVID-19 pandemic are tourists from the millennial generation. This study aims to find out how to implement halal tourism in Indonesia and to find out how the millennial generation has the potential to increase halal tourism during the Covid-19 pandemic. This study uses a mixed-method i.e. a combination of quantitative and qualitative. Based on the distribution of questionnaires to 300 respondents, the results stated that the millennial generation was interested in and carried out halal tourism. The conclusion is the millennial Muslim generation continued to carry out tourism during the pandemic by implementing strict health protocols. This research implies that halal tourism can still revive even though a pandemic hits it.
The Impact of Digital Financial Inclusion on Bank Profitability: Evidence from Developing Countries Abdul Aziz, Sumayyah; Abdul Razak, Lutfi; Slesman, Ly Y.; Abduh, Muhamad
Jurnal Manajemen Teori dan Terapan| Journal of Theoretical and Applied Management Vol. 17 No. 2 (2024)
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jmtt.v17i2.57508

Abstract

Objective: This study aims to evaluate the impact of Digital Financial Inclusion (DFI) on the profitability of banks in developing countries, by constructing a novel comprehensive DFI index and employing dynamic panel analysis. Design/Methods/Approach: The research involves a sample of 111 banks across nine developing nations from 2016 to 2020. A new DFI index was constructed to encapsulate both the access and usage dimensions of DFI, along with demographic and geographical considerations, using Principal Component Analysis (PCA). The empirical framework adopted a dynamic panel model, applying two-step system Generalized Method of Moments (GMM) estimators to analyze the data. Findings: The findings indicate a positive and significant relationship between DFI and bank profitability. This relationship highlights the beneficial impacts of DFI on the financial performance of banks within the studied contexts. Originality/Value: This research broadens the current understanding of Digital Financial Inclusion (DFI) by focusing on its impacts not only on bank stability but also on profitability and efficiency, areas not extensively covered by prior studies. Additionally, it contributes to the literature by integrating demographic and geographical dimensions into the construction of a comprehensive DFI index. This approach provides a nuanced understanding of DFI’s effects on bank profitability and represents a significant deviation from traditional studies that focus mainly on access and usage. Practical/Policy implication: Based on the findings, it is recommended that bank managers and financial service providers establish strategic partnerships to strengthen the integration of traditional banking with digital financial services, thereby boosting bank profitability. Regulators must update policies to foster an environment that supports the integration of digital innovations, while ensuring robust consumer protection and data privacy standards. Continuous investment in digital infrastructure and financial literacy is crucial, alongside rigorous policy monitoring and adaptation, to maintain a regulatory framework that promotes the sustainable expansion of DFI and addresses emerging security challenges.
Co-Authors AA Sudharmawan, AA Abdul Aziz, Sumayyah Abdul Razak, Lutfi Ag Omar, Pg Mohd Faezul Fikri Ahdar, Muhammad Ahmad Suriansyah Al-Dawoody, Ahmed Amin, Hanudin Aryani, Wiwik Dyah Besar, Mohd Hairul Azrin Budi Barata Kusuma Utami Chowdhury, Nazreen Tabssum Darmawan, M.Darmawan Ghazali, Mohd Fahmi Hikmawati Hikmawati Huddin, Muhammad Nurhaula Imam Riadi Issa, Mohamed Saeed Issa, Mohamed Saeed Jadmiko, Purbo Joharudin, Agus Kamaruddin, Muhammad Iqmal Hisham Kurawa, Junaidu Muhammad Mahendra, Bayu Arif Masykuri Abdillah Mohammad, Miza Syahmeena Nafiudin Nafiudin Nasution, Ali Napiah Panggi, Faizah Purwanti, Ratna Raditya Sukmana Rahmat, Asep Ramjaun, Shaheen Bibi Razak, Dzuljastri Abdul Reini D. Wirahadikusumah, Reini D. Rikza, M.Rikza Rizal, Hamid Rosman, Romzie Rusidah, Rusidah Saadah, Fitriatus Sari, Rosi Hasna Shaikh, Imran Mehboob Slesman, Ly Y. Sonjaya, Adang Sulistiyana, Sulistiyana Susilawati, Cucu Tabssum Chowdhury, Nazreen Umar, Umar Habibu Wardiwiyono, Sartini Weni Hawariyuni, Weni Yahyadin, Muhammad Zulfikar Hasan