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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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Enhancing Sharia Financial Inclusion in Rural Areas: Integrating Service Quality, Technological Innovation, and Financial Literacy in Baitul Maal Wat Tamwil Al Hadi, M Qoshid; Wijayanti, Dwi Marlina
Likuid Jurnal Ekonomi Industri Halal Vol. 6 No. 1 (2026): LIKUID: Jurnal Ekonomi Industri Halal
Publisher : Sharia Economics Study Program Faculty of Islamic Economics and Business UIN Sunan Gunun

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/likuid.v6i1.53997

Abstract

Sharia financial inclusion (SFI) plays a crucial role in promoting equitable economic development, particularly in rural areas where access to formal financial services remains limited. This study examines the integrated effects of service quality, financial literacy, and technological innovation on SFI among active Baitul Maal wat Tamwil (BMT) customers in rural South Kalimantan, Indonesia, while assessing whether socio-economic status moderates these relationships. Using survey data and Partial Least Squares Structural Equation Modeling (PLS-SEM), the findings show that financial literacy and service quality have significant positive effects on SFI, underscoring the importance of customers’ capability readiness and the quality of institutional interaction in fostering participation. Technological innovation shows no significant direct effect, suggesting that digital or technological initiatives alone may be insufficient without adequate literacy and service support. Additionally, socio-economic status does not significantly moderate the proposed relationships, indicating that the positive roles of literacy and service quality are relatively consistent across socio-economic groups. The study contributes by offering an integrated empirical model of key drivers of sharia financial inclusion in rural Islamic microfinance and provides practical insights for BMTs and policymakers to prioritize service improvement and financial literacy development to strengthen sustainable SFI.
Evaluation of Digitalization Implementation in BMT: Impact on Sharia Financial Inclusion and Member Trust Rifaatul Indana; M Qoshid Al Hadi
Journal of Islamic Economy and Community Engagement Vol. 7 No. 1 (2026): Volume 7 No.1 2026
Publisher : FEBI UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jiecem.2026.7.1.3066

Abstract

This study aims to analyze the influence of digitalization on efficiency, financial inclusion, and trust among members of Baitul Maal wat Tamwil (BMT) in Yogyakarta, representing Islamic microfinance institutions undergoing digital transformation. A quantitative approach was employed using Structural Equation Modeling–Partial Least Squares (SEM-PLS) with data obtained from 207 active BMT members. The research instrument was developed based on four main constructs and measured using a five-point Likert scale. The results reveal that digitalization has a significant positive effect on operational efficiency, the expansion of Islamic financial inclusion, and the enhancement of members' trust. Furthermore, both efficiency and financial inclusion contribute positively to building trust among BMT members. These findings confirm that the adoption of digital technology not only improves operational performance but also strengthens members' loyalty and confidence in the professionalism and Sharia compliance of the institution. This research provides empirical evidence that enriches the literature on digital transformation in Islamic microfinance, while offering strategic recommendations for BMT managers and regulators to develop a digital ecosystem that is inclusive, efficient, and grounded in Islamic ethical values to ensure the sustainability of Islamic microfinance institutions in the digital economy era.
Green Practices and Purchase Intentions: The Mediating Role of Green Image and Trust Among Muslim Consumers M Qoshid Al Hadi; Abdul Wahab; Iman Setya Budi
Global Review of Islamic Economics and Business Vol. 12 No. 2 (2024)
Publisher : Faculty of Islamic Economics and Business, State Islamic University Sunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/grieb.2024.122-01

Abstract

The issue of sustainability of green products has garnered significant attention within both societal and business spheres. In essence, green products constitute a crucial consideration in marketing. The development of various marketing methods has contributed to diverse public perceptions as well as eco-friendly products widely available on the market. Therefore, this study aimed to determine the influence of green practice, green image, green trust, and purchase intention. Furthermore, this study also investigated green image and green trust as a mediator in the relationship between green practices and purchase intention while also exploring the moderating role of environmental awareness in this relationship.  A total of 393 Muslim consumers from 10 provinces with the largest Muslim majority in Indonesia were selected to fill out an online questionnaire. The collected data was processed using AMOS-v26 and SPSS v25. The results demonstrated that green image and green trust mediate the relationship between green practices and green purchase intention. Meanwhile, environmental awareness was found to moderate the indirect relationship among the variables of green practices, green image, green trust, and green purchase intention. These findings contribute to the strengthening of self-congruity theory. This study also contributes to theoretical and contextual knowledge related to the perceptions and behavior of Muslim consumers regarding the consumption of green products, offering valuable business considerations for practitioners.
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