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All Journal Islam Futura Ikonomika : Jurnal Ekonomi dan Bisnis Islam
Salic, Jawad Zacaria
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Religion Arts Humanities Economics, Econometrics & Finance

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Assessing The Awareness and Perceptions of Muslim Entrepreneurs on The Benefits of Islamic Microfinance in The Philippines Salic, Jawad Zacaria
IKONOMIKA Vol 9, No 1 (2024)
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/ijebi.v9i1.17862

Abstract

Islamic banking is gaining popularity around the world as an alternative financial system that encourages ethical and socially responsible investing. The Muslim population in the Philippines accounts for a sizable share of the country's micro, small, and medium-sized enterprise (MSME) sector. However, due to a variety of problems, including a lack of understanding, limited access to Islamic Microfinance products, and insufficient regulatory frameworks, the adoption of Islamic financing among Muslim businesses remains low. The purpose of this study is to analyze Muslim entrepreneurs' awareness and perceptions of the benefits of Islamic Microfinance in the Philippines.A mixed-methods research strategy was used in the study, which combined quantitative and qualitative data collection methods. A survey questionnaire was distributed to selected Muslim entrepreneurs from diverse industries in the Philippines for the quantitative component. The poll measured their degree of awareness and understanding of Islamic finance, as well as their perceptions of the benefits of Islamic Microfinance and the factors that prevent them from utilizing Islamic Microfinance products. The qualitative component included in-depth interviews with selected respondents to acquire a better understanding of their experiences and perspectives on Islamic Microfinance.The study is important because it adds to the literature on Islamic Microfinance in the Philippines and has the potential to promote financial inclusion and economic development among Muslim communities. The study's findings shed light on the impediments to Islamic Microfinance adoption among Muslim entrepreneurs and influenced policy suggestions targeted at supporting the expansion of the Islamic finance industry in the Philippines. Furthermore, the conclusions of the study are applicable to other nations with considerable Muslim populations, particularly those with developing Islamic banking industry.The research's main outcome was a comprehensive investigation of Muslim entrepreneurs' awareness and attitudes of the benefits of Islamic finance in the Philippines. The study sought to provide empirical facts that may be used to inform the creation of policies and initiatives targeted at encouraging MSMEs in the country to use Islamic Microfinance products. Finally, the findings of the study contributed to the general growth and development of the Islamic finance industry in the Philippines, as well as to the promotion of financial inclusion and economic empowerment among Muslim communities.
From Concept to Practice: Developing an Aqil Baligh Life Skills Curriculum to Enhance Primary Student Independence Kurniasih, Apri; Yacub, Jamiluddin; Salic, Jawad Zacaria; Sefriyanti, Sefriyanti; Khusna, Khalimatul
Islam Futura Vol 26 No 2 (2026): Jurnal Ilmiah Islam Futura
Publisher : Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jiif.v26i2.35096

Abstract

Islamic elementary education plays an important role in developing students' independence, character, and readiness for increasing personal, social, and religious responsibilities. This study aimed to develop an Aqil Baligh-based life skills curriculum and examine descriptive changes in student independence during its initial implementation. The study employed a Research and Development (R&D) approach comprising needs analysis, curriculum design, expert review, limited field implementation, product revision, and evaluation. The field trial involved 20 students from Grades IV–VI at one Islamic elementary school. Data were collected through classroom observations, semi-structured interviews, questionnaires, and structured assessments covering five dimensions of student independence: responsibility, time discipline, learning initiative, worship independence, and social cooperation. Quantitative analysis compared mean scores across the pre-cycle, Cycle I, and Cycle II. The recorded mean scores increased from 2.10 to 3.80 for responsibility, 2.31 to 3.60 for time discipline, 2.01 to 3.70 for learning initiative, 2.41 to 3.90 for worship independence, and 2.51 to 3.97 for social cooperation. These findings document consistent upward descriptive patterns across all five dimensions during implementation. The study contributes an integrated curriculum framework connecting practical life skills, Islamic values, and gradual preparation for increasing responsibility. Further evaluation using validated assessment instruments and comparative designs is needed to establish its effectiveness and wider applicability.
Co-Authors Khusna, Khalimatul Kurniasih, Apri SEFRIYANTI, SEFRIYANTI Yacub, Jamiluddin