Online Journal of Islamic Management and Finance (OJIMF)

PENGGUNAAN KECERDASAN BUATAN (AI) DALAM KEUSAHAWANAN ISLAM: PELUANG DAN CABARAN DI NEGERI KEDAH

Mohd Adib Abd Muin — 2025-04-30

This study examines the use of artificial intelligence (AI) in Islamic entrepreneurship in the State of Kedah, with the aim of identifying the opportunities and challenges faced by Muslim entrepreneurs in utilizing technology. In the era of Industrial Revolution 4.0, AI is gaining more and more attention as a tool that can speed up the process innovation, improve operational effectiveness, and help make smarter business decisions. However, the use of AI in the context of Islamic business is still at an early stage, especially among micro and small entrepreneurs who face constraints in terms of technical skills, investment costs, and sharia compliance requirements. Through a qualitative approach involving secondary data analysis and interviews with entrepreneurs and technology experts, this study found that AI has the potential to optimize customer service, expand market reach, and increase efficiency in the management of Islamic entrepreneurial operations. However, there are major challenges such as lack of awareness, high implementation costs, and the need for sharia compliance monitoring in each phase of technology use. This study suggests that there be support in the form of AI training specifically for Muslim entrepreneurs as well as creating a syariah compliance guide in the use of technology to ensure that AI is used ethically and based on Islamic principles. The implications of this study show the great potential of AI in strengthening the competitiveness of Muslim entrepreneurs in the state of Kedah while strengthening Islamic values in high-tech business.

SIGNIFIER OF BRAND NAME RELATED TO BRAND IMAGE FOR MUSLIM CONSUMER

Mohd Fauzi Harun — 2025-04-30

Brand name is one of the bases in elaborative information processing in driving a positive consumer attitude by the cultural attribute, but the manipulation of consumer self-preferences can be deceiving and wrongly interpreted; especially to Muslim consumers in different societal backgrounds of Malaysia. Therefore, the purpose of this study is to explore brand names as a cultural value in Muslim consumer preferences, and to discuss the impacts of brand names to brand image. Qualitative study by interviewing six informants from maximum variation sampling were selected for this study; ranging from designers/art directors, academicians, and marketers. Thematic analysis was used to transcribe the dataset with the discovery of four main themes: target audience, emphasis, attention, and trust. The findings suggest that cultural values in brand names are complex but the usage is significant to be applied by all to represent the local marketplace and attention of the target audience. Brand name alone cannot be representative of brand image, but it has a distinctive impact on recognition. Culture has a great influence towards branding stimuli of Muslim consumers beyond the limits of the exchange of goods. Hopefully, this study will inform practitioners regarding options to reduce the noise of brand communication efficacy for the application of brand name. In addition, consumer side of view regarding the topic can be explore more to gain deeper insights into their expectations and preferences related to brand image.

KEBOLEHKESANAN HALAL DALAM INDUSTRI LOGISTIK DI MALAYSIA: TINJAUAN LITERATUR SISTEMATIK

Mohamad I’rfan Shahruddin — 2025-04-30

The global acceptance of halal logistics has increased due to the demand for quality control and safety measures. While Malaysia is a leader in the halal industry, there remains a need for improved halal traceability systems to guarantee product integrity throughout the supply chain. This paper explores the elements of halal traceability that enhance halal integrity in halal logistics. A systematic review of articles published between 2013 and 2024 focused on traceability, integrity, and halal logistics, particularly third-party logistics (3PL). From an initial pool of 318 articles, 27 were identified as highly relevant. The study identifies five elements vital to developing an efficient traceability system, which are halal certification (HC), documentation and halal policy (DHP), technology management (TM), and human resources management (HR). Those elements are important to make the traceability system relevant to sustaining the halal industry. The findings show that integrating traceability systems in halal logistics is vital in maintaining halal product integrity throughout the supply chain. The synergy between halal certification, policy, technology such as TMS, WMS, blockchain, and a trained workforce is required to maintain halal status. This holistic approach not only improves halal traceability and consumer trust but also supports the sustainability of the halal industry in line with the Sustainable Development Goals.

KEPUASAN PESERTA TERHADAP KUALITI PENYAMPAIAN MAKLUMAT PENGURUSAN PEWARISAN ISLAM: KAJIAN KE ATAS AKTIVITI PROGRAM BAITULMAL MAJLIS AGAMA ISLAM SELANGOR (MAIS)

Ihyaul Lazib — 2025-04-30

The principles of Islamic inheritance have been clearly outlined in the primary sources of Shariah, namely the Quran, Hadith, Ijma’, and Qiyas, along with structured procedures for estate management. However, the Muslim community still faces challenges in understanding and implementing inheritance distribution due to limited knowledge of faraid (Islamic inheritance law), hibah (gifts), wasiat (wills), and the processes involved in estate claims. To address these issues, Baitulmal MAIS has initiated various educational programs, including seminars, courses, and advisory services, to enhance public awareness. This study aims to evaluate the quality of information delivery in Islamic estate management programs organized by Baitulmal MAIS and assess participants' satisfaction with these programs. The SERVQUAL model was applied to measure service quality across five key dimensions: reliability, assurance, responsiveness, empathy, and tangibles. This study adopted a quantitative approach using questionnaires distributed to participants at three faraid programs held at different locations. The sample was selected through convenience sampling, involving 97 respondents out of 200 participants, representing a response rate of 48.5%. The findings indicate that all SERVQUAL dimensions positively influence participant satisfaction. The "tangibles" dimension recorded the highest score, while "reliability" scored the lowest. The study recommends extending program durations, conducting follow-up programs, and improving delivery methods to enhance the effectiveness of Islamic inheritance education.

REGULATORY CONFLICT BETWEEN HALAL CERTIFICATION AND HOME FOOD INDUSTRY (P-IRT) LICENSE IN INDONESIA

Inayatillah Djakfar — 2025-04-30

Recently, there has been a misalignment or overlap between regulations governing halal certification and the Home Industry Food Permit (P-IRT) in Indonesia. Products that have obtained distribution permits from the National Agency of Drug and Food Control (BPOM) or have PIRT certificates have been withdrawn by the Halal Task Force because they did not display the halal logo, even though they meet food safety standards. This study aims to analyze the main causes of regulatory issues between halal certification and the Home Industry Food Permit (P-IRT) in Indonesia, as well as provide effective recommendations for policy restructuring among the Ministry of Religious Affairs, the National Agency of Drug and Food Control (BPOM), the Health Office, and other relevant stakeholders. This study employs a qualitative approach by analyzing existing policies related to documents governing halal certification and P-IRT regulations, as well as its challenges and coordination among agencies. The findings indicate that the main cause of this issue is differences in interpretation, such as the varying definitions of the term "food product" and procedural interpretation. Furthermore, inadequate understanding of regulations arises from two standards that are not always aligned in technical requirements, such as hygiene requirements. Lastly, weak coordination between institutions is caused by the duality of supervision and certification, which are not integrated. These issues significantly impact business actors, especially Micro, Small and Medium Enterprises (MSMEs), who are often hindered in marketing their products. This study contributes to the development of a more harmonious policy framework between halal certification regulations and the Home Industry Food Permit (P-IRT). Furthermore, this study enriches the understanding of how halal product supervision, food safety and distribution permits can be implemented in a more integrated manner, in line with the principles of Islamic economics that support sustainability and the well-being of society. This study also recommends the need for procedure alignment, simplification or streamlining of procedures, and improved coordination between agencies through an integrated system. Thus, the synergy between halal certification and product distribution permits will not only strengthen national food security but also contribute to economic and social sustainability, increase public trust in local products, and support the management of Islamic wealth for a more sustainable future.

تأثير الثقافة القطرية في تحقيق الأداء المؤسسي، دراسة تحليلية

Faisal Mohd A Al-Ansari — 2025-04-30

Culture is a major component of societies and a key to understanding their ideas, behavior, and goals. Given that the Qatari citizen constitutes the most prominent component of government institutions in the State of Qatar, this issue must be given sufficient attention to understand its circumstances and analyze its diverse impact on institutional performance. The research problem is about the impact of Qatari culture on the institutional performance realization in the State of Qatar’s public institutions. Qatari culture is considered a significant contributor to realizing institutional performance in Qatar, although there are challenges that reduce the impact of Qatari culture on institutional performance realization. The research adopted the descriptive-analytical methodology as it is the best for achieving the research objectives, which are defining the concept of Qatari culture and institutional performance and determining the extent to which Qatari culture influences institutional performance. The research found that Qatari culture emphasizes cooperation, teamwork spirit, and strengthens belonging and commitment, which contributes to a team spirit and cooperation within the institution, increases job commitment, quality of production, and achievement of goals. In addition, there are challenges reducing the impact of Qatari cultural values on institutional performance. Addressing these challenges requires joint efforts from management, employees, and all members of the institution to ensure the successful application of Qatari culture and achieve the efficiency of the institutional performance. The researcher recommends the Islamic values and principles constituting the Qatari culture should be ensured and activated in institutions to ensure institutional performance and consolidate the Qatari culture.

THE POTENTIAL FOR HUMAN CAPITAL DEVELOPMENT (HCD) THROUGH WAQF FUND

Mahfuzul Alam Taifur — 2025-04-30

This research aims to address the current contribution of waqf in human capital development (HCD) and to study the potential advantages of utilizing waqf for further enhancements of HCD in Malaysia. The study adopts a qualitative research approach collecting data from the existing literature and it analyzes the data through descriptive and exploratory analysis methods of the study. This study concludes that the use of Waqf for human capital development holds great potential. The study highlights that in Malaysia, Waqf funds have been complimentary financial supports in enhancing various sectors such as education, skills development and training, healthcare, social welfare, and business support programs. Various successful stories in Malaysia are the proof that Waqf funds can improve HCD. The study also recommends that authorities, waqifs, and mutawallī (endowment managers) actively channel waqf funds into educational initiatives, healthcare services, training programs, and social welfare activities. In addition, raising awareness and promotional activities regarding waqf can multiply its benefits, thereby maximizing its positive impact on society. This study contributes to the body of knowledge and provides a clear landscape of using waqf funds for HCD. Future research may develop a specific waqf-based HCD model and include a case study.

KONTRAK PENDASAR SYER KEANGGOTAAN KOPERASI: SATU ANALISIS DARI PERSPEKTIF SYARIAH

Muhammad Fathi — 2025-04-30

This study explores and analyzes the application of Shariah contracts specifically musyarakah and mudarabah in cooperative institutions in Malaysia. It aims to determine the takyif fiqhi for the implementation of membership shares based on cooperative operations in line with the Cooperative Act 1993 and the latest guidelines. Unlike previous studies that focus on conceptual discussions, this study assesses the suitability of Shariah contracts within cooperative membership structures by analyzing legal frameworks and regulatory guidelines in Malaysia. This study adopts a qualitative approach through document analysis of the legal framework governing cooperatives, Shariah contract guidelines, and fiqh texts to evaluate the compatibility of these contracts in cooperative membership structures. Findings reveal that musyarakah, particularly syirkah al-‘inan, is the most suitable contract for membership shares as it aligns with most cooperative regulations. In contrast, mudarabah is less suitable due to conflicts with cooperative principles, particularly shared ownership and active member participation. Despite this, challenges remain in inheritance management of membership shares and dividend distribution, requiring further refinement. This study contributes to the development of a Shariah-compliant framework for cooperative membership shares and serves as a reference for policymakers, cooperative managers, and Islamic finance researchers in improving Shariah compliance in cooperative operations.

PROMOTING ASEAN ISLAMIC BANKING INTEGRATION: PROSPECT AND INCLUSIVE FRAMEWORK

Tate Agape Bawana — 2025-04-30

The implementation of the ASEAN Banking Integration Framework (ABIF) seeks to integrate the system of banking across the ASEAN region. Given the prevalence of dual banking systems across ASEAN, Islamic banking has a substantial opportunity for regional integration, and facilitating cross-border banking activities is a vital policy measure to capitalize on this. This study seeks to improve the framework for integrating Islamic banking within ASEAN by systematically reviewing and meta-analyzing how the current ASEAN Banking Integration Framework (ABIF) has been implemented. The review findings will be synthesized with existing literature to perform a thematic analysis of the challenges and opportunities facing ASEAN Islamic banking integration. A total of 39 articles, sourced from WoS and Scopus-indexed journals, were used as the primary data for this review. In alignment with established scholarship, this study posits that the successful integration of Islamic banking within ASEAN is contingent upon the implementation of robust, harmonized regulatory frameworks and standardized practices, particularly with respect to Sharia compliance. Additionally, bilateral cooperation in cross-border Islamic banking can serve as a catalyst for wider Islamic banking integration in ASEAN.