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All Journal Global Review of Islamic Economics and Business Jurnal Studi Agama dan Masyarakat al-Uqud : Journal of Islamic Economics International Journal of Islamic Economics and Finance (IJIEF) Journal of Islamic Economic Laws Ihtifaz: Journal of Islamic Economics, Finance, and Banking PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat Community Empowerment Al-Fikru: Jurnal Ilmiah Journal of Islamic economy and Community Engagement Al Hurriyah : Jurnal Hukum Islam Literasi: Jurnal Pengabdian Masyarakat dan Inovasi Likuid: Jurnal Ekonomi Industri Halal Equilibrium: Jurnal Ekonomi Syariah Neraca Manajemen, Akuntansi, dan Ekonomi BIMA Jurnal Bisnis dan Manajemen Assyarikah: Journal Of Islamic Economic Business Tathawwur: Jurnal Ekonomi Pembangunan dan Keuangan Islam Journal of Islamic Economic Laws
M. Qoshid Al Hadi
Universitas Islam Kalimantan Muhammad Arsyad Al Banjari Banjarmasin
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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The Role of Religiosity on Sustainable Consumption and Consumer Welfare Among Muslim Consumers Al Hadi, M. Qoshid
Al-Fikru: Jurnal Ilmiah Vol. 18 No. 2 (2024): Desember (2024)
Publisher : STAI Serdang Lubuk Pakam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51672/alfikru.v18i2.519

Abstract

Due to global challenges related to sustainability and environmental protection, Indonesian consumers, especially Muslims, are increasingly considering religiosity in their consumption decisions. This study aims to examine the role of religiosity on sustainable consumption and consumer welfare among Muslim consumers. Data were collected from 10 provinces in Indonesia with a majority Muslim population of 340 respondents. The results of the analysis through SmartPLS 3.0 show that extrinsic religiosity can moderate the relationship between sustainable consumption and consumer welfare. However, this is not the same as intrinsic religiosity which has a positive but insignificant relationship. Moreover, this study also found factors that build sustainable consumption, including product perception and consumer commitment to the environment among Muslim consumers in Indonesia. The findings suggest marketers to focus on strategies that integrate consumer religiosity and green product perceptions to support sustainable consumption. Marketers also need to educate consumers about green products for the sake of prosperity.
Analisis terhadap Model Layanan Mobile Banking pada Bank Syariah Indonesia dari Tinjauan Konsep Syariah Annas Syamsu Fahmi Rizal; Ahmad Muqorobin; M Qoshid Al Hadi; Mohammad Syifa Urrosyidin
Tathawwur: Jurnal Ekonomi Pembangunan dan Keuangan Islam Vol. 2 No. 2 (2025): Tathawwur: Jurnal Ekonomi Pembangunan dan Keuangan Islam
Publisher : Mumtaz Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63106/jepki.v2i2.22

Abstract

During the post-COVID-19 pandemic recovery period, rapidly developing information technology in recent years has directed the focus of several banks towards digital services, including through mobile banking applications. The rapid growth of the internet has changed the way companies connect with customers, as well as the banking business in Indonesia. The concept of "blessing" (barakah) must remain a priority for every Muslim, especially in financial institutions like banks. This paper aims to examine and analyze the mobile banking service model available on the BSI Mobile Banking application. In 2021, Bank Syariah Indonesia, also known as BSI, began merging three Islamic commercial banks in Indonesia. In order to support the development of information technology, particularly in the banking sector, BSI also created the BSI Mobile Banking application to facilitate transactions. The method used in this research is a qualitative study with a grounded research approach, also employing descriptive qualitative analysis methods. Although the service model in the BSI Mobile application has met customer needs and is in accordance with basic Sharia principles, many customers or members of the Muslim community have not used it to its full potential or are even unaware of the system or model and utilization of the mobile banking application. This could lead to the application not being used optimally. Based on the results of the research that the researcher has written, the existing BSI Mobile Banking service model should prioritize education and product socialization of BSI Mobile Banking, using methods that can provide understanding related to Islamic law concerning the principles of halal and haram. Regulations will be enforced due to legal threats and causes. It can be concluded that the wakalah contract in BSI Mobile Banking services is permissible in accordance with the conditions and pillars outlined in the DSN MUI Fatwa No. 10/DSN-MUI/VI/2000, and it aligns with the service model that operates in the use of the mobile banking application.
Merajut Kemandirian dengan Bimbingan Produksi dan Pemasaran Syariah Batik Ecoprint pada Kelompok Wanita Keluarga Pra Sejahtera di Loktabat Utara Banjarbaru: Building Self-Reliance through Sharia-Based Production and Marketing Guidance for Ecoprint Batik in Underprivileged Women’s Groups in Loktabat Utara, Banjarbaru Erziaty, Rozzana; Zakiyah, Zakiyah; Wahab, Abdul; Al Hadi, M. Qoshid
PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat Vol. 10 No. 3 (2025): PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat
Publisher : Institute for Research and Community Services Universitas Muhammadiyah Palangkaraya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33084/pengabdianmu.v10i3.8595

Abstract

The community empowerment program based on Nile tilapia cultivation using the biostimulant RAS system was expected to enhance participants' economic independence. Key challenges included limited access to information, education, and technology, alongside a lack of business management support. The program aimed to address these issues and positively impact the welfare of the disability community. Conducted under the title "Productive Efforts for Sensory (Hearing Impairment/Deafness) and Physical Disabilities through Nile Tilapia Cultivation Using a Circular Biostimulant RAS System in the Teras Inklusi Community," the activity used a Participatory Rural Appraisal (PRA) approach. The installation of circular RAS (Recirculating Aquaculture System) ponds in the field was completed as planned, with all system components, including circular ponds, filtration systems, and water distribution pipes, properly installed and functioning as expected. Effective coordination between the PKM team and partners resulted in no significant obstacles during installation. The training successfully enhanced participants' understanding and competencies, as evaluation results showed an increase in the "Good" category from 25% in the pre-test to 85% in the post-test, with no participants remaining in the "Poor" category after training.
Religiosity as Considered in Green Purchase Intention among Muslim Consumer Al Hadi, M Qoshid; Budi, Iman Setya; Erziaty, Rozzana
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol. 7 No. 1 (2024)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/ijiefb.v7i1.10460

Abstract

Introduction to The Problem: In recent years, Indonesia has shown strengthening figures in world sharia economic and financial reports. This encourages studies on Muslim consumer behavior more to sustainable. This article provides an overview of research on the behavior of Muslim consumers who are committed to environmental issues and have awareness of religion. Previous research has focused primarily on green consumer behavior, and reported mixed findings, depending on the knowledge background. Purpose/Objective Study: As an extension of previous research, this study will reveal the role of religiosity to impact green commitment (GC) and their purchasing intention. Design/Methodology/Approach: A total of 296 respondents' data was collected based on purposive sampling and analyzed through structural equation modeling (SEM) with SmartPLS version 3. Findings: The results show that religiosity influences GC and green purchase intention (GPI) as well as the role of GC to mediates the relationship between religiosity and GPI. Future research requires deeper investigation regarding the number and distribution of samples so that it can help better generalize the findings. Paper Type: Research Article Keywords: Religiosity; green commitment; green purchase intention; muslim consumer.
The Effect of Ease of Use, Service Features, Benefits, Trust, Security, and Risk on Interest in Using LINKAJA SYARI'AH E-Wallet Lafiana, Diah; Purnomo, Agus; Al Hadi, M. Qoshid Al Hadi; Hadi, Abdul; Hani, Umi
Assyarikah: Journal of Islamic Economic Business Vol 6, No 1 (2025): Assyarikah: Journal Of Islamic Economic Business
Publisher : Al-Amien Prenduan for Islamic Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/assyarikah.v6i1.2154

Abstract

This study aims to determine the effect of ease of use, service features, usefulness, trust, and risk on the interest in using the LinkAja Syariah e-wallet in Banjarmasin City. This study uses a quantitative research method. By using purposive sampling from E-Wallet transaction users in responding to challenges in digital economic transactions. The sampling method uses a purposive sampling technique. So that a sample of 100 respondents was obtained. Analysis of the data obtained using hypothesis analysis to determine the effect of ease of use, service features, usefulness, trust, security, and risk on E-Wallet service features. Based on the research results 1) ease of use (X1) does not have a significant effect on the interest in using the LinkAja Syariah e-wallet, obtaining a sig. value of 0.368>0.05. 2) service features (X2) have a significant effect on the interest in using the LinkAja Syariah e-wallet by obtaining a sig. value of 0.024<0.05. 3) usefulness (X3) does not have a significant effect on the interest in using the LinkAja Syariah e-wallet, obtaining a sig. value of 0.107>0.05. 4) trust (X4) does not have a significant effect on the interest in using the LinkAja Syariah e-wallet, obtaining a sig. value of 0.710>0.05. 5) security (X5) has a significant effect on the interest in using the LinkAja Syariah e-wallet by obtaining a sig. value of 0.000<0.05. and 6) Risk (X6) has no significant influence on the interest in using the LinkAja Syariah e-wallet by obtaining a sig. value of 0.372>0.05. The findings of this study show that E-wallet transactions play a very important role in meeting community needs.
Empowering local MSMEs through digital sharia to foster the halal industry in South Kalimantan Wahab, Abdul; Hadi, M. Qoshid Al; Rahman, Auliya; Mahdiya, Ilma
Community Empowerment Vol 10 No 7 (2025)
Publisher : Universitas Muhammadiyah Magelang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31603/ce.12306

Abstract

This community service activity was designed to empower Micro, Small, and Medium Enterprises (MSMEs) using digital sharia principles to support the development of the halal industry in South Kalimantan. The primary target audience was the Indonesian Women Entrepreneurs Association (PERWIRA) of South Kalimantan Province. The program was delivered in a hybrid format, combining both in-person and online sessions to maximize reach and participation. The initiative resulted in a significant increase in the participants' digital sharia literacy. Participants began to adopt digital platforms that align with sharia principles in their business operations and showed a greater interest in the halal industry. Despite these successes, challenges were encountered, particularly related to the limited access to technology and inadequate digital infrastructure, which highlight the need for continuous support to ensure sustainable development. Overall, the activity successfully achieved its objectives and had a positive impact on the local halal industry. By enhancing digital sharia literacy and fostering greater participation among MSMEs, this program has the potential to drive sustainable economic growth in South Kalimantan.
Marketing Ethics at Islamic Banks: Principles and Practices Hadi, M. Qoshid Al; Cahyo, Eko Nur; Budi, Iman Setya
Journal of Islamic Economic Laws Vol 4, No 2: July 2021
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/jisel.v4i2.14716

Abstract

This article highlights the principles and implementation of Islamic banking marketing ethics. Ethics based on sharia principles are an essential differentiator from their competitors. It begins from the 4 P’s marketing mix framework, namely product, price, promotion, and place. This article is qualitative descriptive research using literature review. This article employs secondary data from 11 articles. The data that has been collected then analyzed with descriptive information. Therefore, through 4 P’s marketing mix lens, this article finds a lack of ethical marketing practices in Islamic Banking from the ethical ideals espoused in the literature. This study analyzes the ethical marketing practices of Islamic banks which can be used as an evaluation of policies in the Islamic financial industry
Efektivitas Program Membangun Keluarga Utama sebagai Program Pemberdayaan Masyarakat Islami (Studi Kasus di KSPPS BMT Tumang) Al Hadi, M. Qoshid
Jurnal Studi Agama dan Masyarakat Vol 15 No 1 (2019): JURNAL STUDI AGAMA DAN MASYARAKAT
Publisher : IAIN Palangka Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23971/jsam.v15i1.1148

Abstract

Poverty alleviation is a development general agenda all over the world, including Indonesia. Quality and sustainable development is the development capabling of empowering people to alleviate poverty and improve quality of life. The Program of Main Family Building
Fiqh Mu’āmalah in Theory and Practice: An Overview of Islamic Economics Al Hadi, M Qoshid
Alhurriyah Vol 6 No 2 (2021): July - December 2021
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/alhurriyah.v6i2.5010

Abstract

The Islamic economic paradigm and worldview have resulted in competitive Islamic finance industry in global finance. In the face of intense competition in the global financial industry, Islamic finance requires innovative contracts or products based on sharia through fiqh mu’āmalah. This article aims to understand the issue of fiqh mu’āmalah in Islamic economics. Using descriptive analysis, the author describes the relationship between fiqh mu’āmalah and sharia finance and the prohibition of mu’āmalah, hybrid-contract, Maqāshid sharia, and its supervision. The conclusion in this article clarifies the concept of the prohibition of fiqh mu’āmalah to its supervision without hindering the innovation of Islamic financial activities.Paradigma ekonomi Islam dan cara pandangnya (worldview) telah menghasilkan industri keuangan syariah yang kompetitif dalam keuangan global. Dalam menghadapi persaingan sengit industri keuangan global maka keuangan syariah membutuhkan akad atau produk yang inovatif berbasis syariah melalui fiqih mu’āmalah. Artikel ini bertujuan untuk memahami isu fiqih mu’āmalah dalam studi ekonomi Islam. Dengan menggunakan analisis deskriptif, penulis mendeskripsikan hubungan fiqih mu’āmalah dan keaungan syariah serta larangan mu’āmalah, multi akad, Maqāshid syariah dan pengawasannya. Kesimpulan dalam artikel ini menjernihkan konsep tentang larangan fiqih mu’āmalah hingga pengawasannya tanpa menghambat inovasi dari aktivitas keuangan syariah.
The Role of Religiosity on Sustainable Consumption and Consumer Welfare Among Muslim Consumers Al Hadi, M. Qoshid
Al-Fikru: Jurnal Ilmiah Vol. 18 No. 2 (2024): Desember (2024)
Publisher : STAI Serdang Lubuk Pakam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51672/alfikru.v18i2.519

Abstract

Due to global challenges related to sustainability and environmental protection, Indonesian consumers, especially Muslims, are increasingly considering religiosity in their consumption decisions. This study aims to examine the role of religiosity on sustainable consumption and consumer welfare among Muslim consumers. Data were collected from 10 provinces in Indonesia with a majority Muslim population of 340 respondents. The results of the analysis through SmartPLS 3.0 show that extrinsic religiosity can moderate the relationship between sustainable consumption and consumer welfare. However, this is not the same as intrinsic religiosity which has a positive but insignificant relationship. Moreover, this study also found factors that build sustainable consumption, including product perception and consumer commitment to the environment among Muslim consumers in Indonesia. The findings suggest marketers to focus on strategies that integrate consumer religiosity and green product perceptions to support sustainable consumption. Marketers also need to educate consumers about green products for the sake of prosperity.
Co-Authors Abdul Hadi Abdul Wahab Abdul Wahab Affandi, Muchammad Taufik Ahmad Muqorobin Akhmad Hulaify Annas Syamsu Fahmi Rizal Auliya Rahman Azizah Azizah Eko Nur Cahyo Erziaty, Rozzana Hani, Umi Ikrimah, Ikrimah Iman Setya Budi Jauharah, Jauharah Lafiana, Diah Mahdiya, Ilma Maulida, Sri Mohammad Syifa Urrosyidin Mua'limah, Sitti Rifaatul Indana S. Purnamasari Safira, Bella Sitti Mua'limah Wijayanti, Dwi Marlina Zakiyah Zakiyah