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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 Al-Iktisab: Journal of Islamic Economic Law 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 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 Law, Crime, Criminology & Criminal Justice Mathematics Medicine & Pharmacology Social Sciences Other

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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.
The Negative Influence of Viral Marketing and Brand Awareness on Customer Trust and Purchase Decisions of Pro-Israel Products in Banten Province Huddin, Muhammad Nurhaula; Nafiudin, Nafiudin; Jadmiko, Purbo; Abduh, Muhamad; Saadah, Fitriatus
AL-MUZARA'AH Vol. 13 No. 1 (2025): AL-MUZARA'AH (June 2025)
Publisher : Department of Islamic Economics, IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/jam.13.1.77-94

Abstract

This study investigates the influence of viral marketing, brand awareness, and trust on the purchase decisions of pro-Israel products in Banten Province. Anchored in the Stimulus-Organism-Response (SOR) theory, the research conceptualizes viral marketing and brand awareness as external stimuli (S), consumer trust as the internal organismic state (O), and purchase decisions as the behavioural response (R). The study employs a purposive sampling technique targeting individuals who previously purchased pro-Israel products but have since discontinued or become more selective in their choices. Data were collected through an online survey involving 278 respondents and analyzed using Structural Equation Modelling (SEM) with AMOS 23. The results indicate that viral marketing and brand awareness have a significant negative effect on consumer trust. Furthermore, viral marketing, brand awareness, and trust each have a negative influence on purchase decisions regarding pro-Israel products. These findings underscore the mediating role of trust within the SOR framework, highlighting how consumer perceptions shaped by external marketing stimuli impact ethical decision-making. The study concludes that brands operating in sensitive socio-political contexts must carefully manage their marketing communications to maintain trust and consumer alignment. These insights provide valuable implications for marketers aiming to influence behaviour through ethical and culturally sensitive branding strategies.
The Role of Policy in Building Human Resources (Case Study of the Ustadz Program of the Ustadz Boarding School Raudlatut Tholibin Batu Tunau) Abduh, Muhamad; Yahyadin, Muhammad; Ahdar, Muhammad; Suriansyah, Ahmad; Purwanti, Ratna
Journal of English Language and Education Vol 10, No 4 (2025)
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jele.v10i4.1112

Abstract

Human resource development in the education sector is a strategic effort to improve the quality and competitiveness of education. This study analyzes educational policies related to the development program for ustadz at Pondok Pesantren Raudlatut Tholibin, Batu Tunau Village, using a qualitative approach and case study method. The findings reveal that the ustadz development program—covering pedagogical training, enhancement of religious competence, and character building—significantly contributes to the quality of teaching and student character formation. The policy also strengthens the role of pesantren in producing excellent human resources grounded in Islamic values. Furthermore, the evaluation and implementation of the program are conducted in a more efficient and objective manner, promoting sustainable improvement. This study recommends strengthening education policies based on local needs and fostering synergy among the government, pesantren, and community in supporting educational human resource development.
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.
Formalizing Fiqh Al-Aqalliyyat for Muslim Minorities Perspectives of Abdallah bin Bayyah, Taha Jabir Al-Alwani & Jamāl al-Dīn 'Atiyyah Mahendra, Bayu Arif; Abdillah, Masykuri; Al-Dawoody, Ahmed; Abduh, Muhamad
Madania: Jurnal Kajian Keislaman Vol 28, No 2 (2024): DECEMBER
Publisher : Universitas Islam Negeri (UIN) Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/madania.v28i2.6472

Abstract

Minority jurisprudence is an innovation in jurisprudence regarding various problems faced by Muslims living in the midst of a non-Muslim majority. This research focuses on the methodology used by the conceptors of fiqh al-aqalliyyat, namely Abdallah bin Bayyah, Taha Jabir Al-Alwani & Jamāl al-Dīn 'Atiyyah in building the structure of the ijtihad framework of fiqh al-aqalliyyat in countries with Muslim minorities. This research is a qualitative literature study with several legal research approaches. More specifically, in the study of Islamic law this research belongs to the category of philosophical-normative-empirical research, by examining three main ideas initiated by the conceptors of fiqh al-aqalliyyat namely Abdallah bin Bayyah, Taha Jabir Al-Alwani & Jamāl al-Dīn 'Atiyyah. This research concludes that the thought of fiqh al-aqalliyyat Abdallah bin Bayyah, Taha Jabir Al-Alwani & Jamāl al-Dīn 'Atiyyah is considered to be able to accommodate the problems of Muslim minorities, by covering all the principles, methodologies, concepts of ijtihad from each mujtahid who focuses on fiqh al-aqalliyyat, so that these methods that have become legal products can be used for Muslim minorities to be able to carry out the principles of Islamic teachings substantially and coexist with non-Muslim majorities. Fikih minoritas merupakan inovasi dalam berijtihad tentang berbagai problematika yang dihadapi muslim yang hidup di tengah mayoritas non-Muslim. Dalam penelitian ini berfokus pada metodologis yang dipakai oleh konseptor fiqh al-aqalliyyat yakni Abdallah bin Bayyah, Taha Jabir Al-Alwani & Jamāl al-Dīn ‘Atiyyah dalam membangun struktur kerangka ijtihad fiqh al-aqalliyyat pada negara dengan minoritas muslim. Penelitian ini merupakan studi kepustakaan yang bersifat kualitatif dengan beberapa pendekatan penelitian hukum. Lebih spesifik lagi, dalam kajian hukum Islam penelitian ini termasuk kategori penelitian filosofis-normatif-empiris, dengan mengkaji tiga pokok pikiran yang digagas oleh konseptor fiqh al-aqalliyyat yakni Abdallah bin Bayyah, Taha Jabir Al-Alwani & Jamāl al-Dīn ‘Atiyyah. Penelitian ini menyimpulkan bahwa pemikiran fiqh al-aqalliyyat Abdallah bin Bayyah, Taha Jabir Al-Alwani & Jamāl al-Dīn ‘Atiyyah dinilai dapat mengakomodir permasalahan muslim minoritas, dengan mencakup seluruh prinsip-prinsip, metodologi, konsep ijtihad dari masing-masing mujtahid yang berfokus pada fiqh al-aqalliyyat, sehingga metode-metode tersebut yang sudah menjadi produk hukum dapat digunakan bagi muslim minoritas untuk dapat menjalankan prinsip-prinsip ajaran Islam secara substansial dan hidup berdampingan dengan mayoriats non muslim.
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.
Strategy Management in Improving the Quality of Learning for Residents Learning Pkbm Al Ghoutsillah Batu Tunau Village Abduh, Muhamad; Yahyadin, Muhammad; Ahdar, Muhammad; Suriansyah, Ahmad; Purwanti, Ratna
Journal of English Language and Education Vol 10, No 6 (2025)
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jele.v10i6.1114

Abstract

This study aims to analyze the implementation of strategic management in improving the quality of learning at PKBM Al Ghoutsillah, Batu Tunau Village. The focus includes planning, implementation, and evaluation of strategies carried out by PKBM administrators to address educational challenges faced by learners, particularly school dropouts. The research method used is qualitative descriptive, utilizing observation, in-depth interviews, and documentation. The results show that the strategic management process includes formulating adaptive visions and missions, designing learning programs based on learners’ needs, and conducting regular evaluations to ensure quality improvement. In conclusion, the effective application of strategic management significantly contributes to increased motivation, participation, and learning outcomes of PKBM learners.
Implementasi dan Relevansi Iwad Dari Pelanggaran Taklik Talak Di Pengadilan Agama Banjarmasin Abduh, Muhamad
Sakina: Journal of Family Studies Vol 5 No 2 (2021): Sakina: Journal of Family Studies
Publisher : Islamic Family Law Study Program, Sharia Faculty, Universitas Islam Negeri Maulana Malik Ibrahim Malang

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

Abstract

Perjanjian taklik talak dilaksanakan hampir di setiap pernikahan, meskipun bukan termasuk syarat dan rukun pernikahan. Perjanjian ini secara garis besar merupakan talak yang digantungkan suami jika dia melanggarnya. Bukan tanpa alasan hal ini menjadi tradisi setelah akad pernikahan di Indonesia karena dilihat dari substansinya perjanjian ini pada dasarnya merupakan jaminan hak istri terhadap tindakan kesewenangan suami yang menelantarkannya. Oleh karena itu perjanjian ini berdampak hukum di kemudian hari jika suaminya melanggar taklik talak dan istri tersebut tidak ridho bisa melaporkannya di Pengadilan Agama untuk menggugat cerai. Perjanjian ini tentunya sangat memberikan output yang sangat positif, mengingat hak istri seringkali diabaikan oleh suaminya. Dan dalam pelaksanaan perceraian taklik talak terdapat pembayaran iwad. Peraturan terakhirnya yaitu KMA nomor 411 pada tahun 2000 menyebutkan uang iwad dari pelanggaran taklik talak sebesar Rp. 10.000. Mengingat peraturan terakhirnya ini sudah hampir duapuluh tahun tidak diperbarui, maka dari itu sangat menarik jika saya teliti lebih dalam mengenai relevansi atau kelayakan nominal uang iwad dari pelanggaran taklik talak pada pada masa sekarang melalui sudut pandang hakim di Pengadilan Agama dan dan implementasi pembayaran uang iwad tersebut. Rumusan penelitian ini adalah: 1) bagaimana implementasi iwad dari pelanggaran taklik talak di Pengadilan Agama Banjarmasin. 2) bagaimana relevansi iwad dari pelanggaran taklik talak dari hakim Pengadilan Agama Banjarmasin. Jenis penelitian empiris. Menggunakan metode kualitatif. Lokasi penilitian Pengadilan Agama Banjarmasin. Menggunakan sumber data primer dan sumber data sekunder. Metode pengumpulan data wawancara dan dokumentasi. Metode pengolahan data : 1) Editing. 2) Classifying. 3) Verifying. 4) Analysing. 5) Concluding. Hasil penelitian ini adalah : 1) secara umum implementasi iwad taklik talak di Pengadilan Agama Banjarmasin sudah sesuai, namun ada perubahan dari segi pola penyaluran yang kurang sesuai dengan sighat taklik talak tersebut. 2) mengenai relevansinya iwad, pak Bakhtiar dan pak Hasanuddin beranggapan masih relevan dilihat dari pihak yang bercerai kebanyakn masih terkendala perekonomiannya. Sedangkan pak Abdul Hadi berpendapat iwad ini sudah tidak layak lagi karena dilihat adri sisi nominal iwad sudah tidak sesuai dengan perkembangan zaman.
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 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