International Conference on Islamic Economics (ICIE)
International Conference on Islamics Economics is a forum for publishing calls for papers and seminars organized by the Faculty of Islamic Economics and Business, UIN K.H. Abdurrahman Wahid Pekalongan. This proceeding contains the results of research and thoughts carried out by lecturers, researchers, students, and writers from other institutions or agencies from the disciplines of economics, management, accounting, and Islamic philanthropy.
The Effectiveness of QRIS Tap in Improving the Speed and Efficiency of Payment Systems in Indonesia
Digital transformation has significantly reshaped Indonesia’s payment system, particularly through the innovation of the Quick Response Code Indonesian Standard (QRIS). The latest development, QRIS Tap based on Near Field Communication (NFC) technology, was introduced to enhance transaction speed and efficiency, especially in high-frequency transaction sectors. This study aims to analyze the concept, mechanism, effectiveness, and implementation challenges of QRIS Tap in improving the performance of the national payment system. The research employs a qualitative method using a literature review approach by collecting and analyzing relevant academic sources related to digital payment systems in Indonesia. The data were examined through thematic analysis to identify patterns and conceptual relationships. The findings indicate that QRIS Tap significantly increases transaction speed compared to conventional QR scanning and cash payments, supported by real-time authorization and encrypted security systems. Its implementation contributes to operational efficiency, interoperability among payment service providers, and broader financial inclusion. However, several challenges remain, including limited NFC-enabled devices, infrastructure readiness, digital literacy gaps, and cybersecurity concerns. Therefore, strengthening infrastructure, enhancing data protection regulations, and promoting public digital literacy are essential to ensure the optimal and sustainable implementation of QRIS Tap.
Copyright (c) 2026 International Conference on Islamic Economics (ICIE)
The Dynamics of Fiscal Policy Intervention on Monetary Policy: Analysis of the Impact of Cash Withdrawals by the State from Bank Indonesia
This research is based on the increasing complexity of fiscal and monetary policy interactions in Indonesia, particularly in relation to the withdrawal of state funds from Bank Indonesia, which has the potential to affect the liquidity of the financial system and monetary stability. This research aims to analyse the dynamics of fiscal intervention through cash withdrawals by the government and its impact on the effectiveness of monetary transmission and the independence of Bank Indonesia. This research uses a descriptive qualitative approach with a literature study method sourced from official publications, institutional reports, scientific journals, and current economic articles.The results of the study show that state cash withdrawals have the potential to trigger liquidity fluctuations, affect money market equilibrium, and encourage adjustments to Bank Indonesia's monetary operations. These changes in liquidity also have an impact on the effectiveness of monetary transmission through interest rates, credit, and market expectations. Fiscal intervention has the potential to undermine central bank independence, although transparent and integrated policy coordination can mitigate this risk. Therefore, strengthening fiscal-monetary coordination and measured state cash management is crucial. The government and Bank Indonesia need to improve policy synchronisation and liquidity management transparency in order to maintain macroeconomic stability.
Cashless Society: The Impact of Payment System Digitalization on Transaction Patterns Society
The digitization of payment systems has driven changes in people's transaction patterns and accelerated the transition to a cashless society, particularly among Generation Z, who have a high level of technological adaptation. However, the increased use of digital payment instruments does not automatically eliminate the use of cash or guarantee the creation of equitable financial inclusion. This research aims to analyze the impact of the digitization of payment systems on the transaction patterns of Generation Z and identify the gaps that arise in the transition process. The research uses a descriptive qualitative approach with a phenomenological orientation through a literature research based on secondary data obtained from scientific journals, international agency reports, and official publications from financial authorities. The data is analyzed through conceptual synthesis and critical evaluation of the latest empirical findings. The results of the research show that despite the significant growth in digital transactions, Generation Z has not completely abandoned cash due to considerations of privacy, data security, and transaction costs. In addition, three main challenges were identified, namely low digital financial literacy, security risks and consumer protection, and regional disparities in infrastructure access. This research concludes that strengthening digital literacy, improving payment system security, and implementing inclusive policies are necessary to create a fair and sustainable payment ecosystem.
THE IMPACT OF BANK INDONESIA'S INTEREST RATE POLICY: A QUALITATIVE ANALYSIS BASED ON LITERATURE SYNTHESIS
Interest rate policy is the primary monetary policy instrument influencing economic stability and banking intermediation within the financial system. In the context of Indonesia's dual banking system, changes in the benchmark interest rate have the potential to impact Islamic banking financing, even though they do not directly utilize the interest mechanism. This study aims to analyze the impact of Bank Indonesia's interest rate policy on Islamic financing through a qualitative approach using a literature review method. Data were analyzed using a literature review through thematic grouping and comparison of relevant research findings. The study results indicate that interest rates influence indirectly through competition for funds, adjustments to financing margins, and expectations of market risk. Furthermore, the sensitivity of Islamic financing also varies by contract type, with profit-sharing financing being relatively more stable than fixed-margin financing. Nevertheless, the operational independence of Islamic banking from interest rate dynamics has not yet been fully achieved, necessitating the strengthening of Islamic monetary instruments and adaptive regulatory policies to enhance the independence of the Islamic financial system.
Analysis Effectiveness Policy Control Inflation during Christmas and New Year Momentum New 2025 in Tegal City
This study aims to analyze the effectiveness of inflation control policies during the Christmas and New Year (Nataru) 2025 period in Tegal City, with a focus on identifying the main commodities contributing to inflation and formulating mitigation strategies through the 4K approach. The study uses a quantitative descriptive method utilizing secondary data sourced from the Central Statistics Agency (BPS) and the Bank Indonesia Tegal Representative Office. The analysis was conducted by comparing year-on-year (yoy) and month-to-month (mtm) inflation data in the pre-Nataru (November 2025) and Nataru (December 2025) periods. The results show that inflationary pressures during the Nataru period were dominated by volatile food and administered prices. On a mtm basis, the main commodities contributing to inflation included cayenne pepper, broiler chicken, gold jewelry, and broiler chicken eggs. Meanwhile, on a yoy basis, the commodities with the largest contributions included gold jewelry, rice, broiler chicken, cayenne pepper, as well as cigarettes and educational services. This condition indicates pressure from the seasonal demand side and potential supply and distribution disruptions. Therefore, optimizing the role of the Regional Inflation Control Team (TPID) through strengthened coordination, supply stabilization, inter-regional cooperation, and policy communication is a strategic step in maintaining price stability. This research emphasizes the importance of synergy between regional and national policies to ensure inflation remains under control and support regional economic resilience.
regional inflation, strategic commodities, Christmas and New Year, inflation control, TPID
The Role of BI Policy in the Development of Central Bank Digital Currency (CBDC) as a Future Payment Tool
This article aims to analyze the role of Bank Indonesia's policies in the development of the Digital Rupiah as a Central Bank Digital Currency (CBDC) and its implications for monetary stability and the national payment system. The method used is a descriptive qualitative approach with literature analysis and a review of relevant regulations. The results of the study show that Bank Indonesia plays a strategic role not only as a monetary authority, but also as a leader in the transformation of the national payment system through the Garuda Project and the 2030 Indonesian Payment System Blueprint. The successful completion of the wholesale Proof of Concept (PoC) at the end of 2024 proves the readiness of technology and regulations in supporting the implementation of the Digital Rupiah, particularly in improving the efficiency of settlements between financial institutions through the use of Distributed Ledger Technology (DLT). Overall, the Digital Rupiah has the potential to improve payment system efficiency, expand financial inclusion, and strengthen monetary policy transmission through increased money circulation speed and real-time economic condition monitoring. These findings confirm that Bank Indonesia's policy on CBDC development is a strategic step to maintain monetary stability and sovereignty in the digital economy era.
Students Understanding of the Effectiveness of QRIS in Supporting a Cashless Lifestyle
The development of financial technology in Indonesia has encouraged the transformation of payment systems toward a cashless society, particularly through the implementation of the Quick Response Code Indonesian Standard (QRIS). This study aims to analyze students’ level of understanding of the effectiveness of QRIS in supporting a cashless lifestyle. The research employs a qualitative approach using a literature review method, drawing data from scientific journals, proceedings, reference books, and official documents related to QRIS and student transaction behavior. Data were analyzed using content analysis to identify patterns and conceptual relationships between students’ understanding and the effectiveness of QRIS usage. The findings indicate that students’ level of understanding influences their interest and intensity in using QRIS, strengthened by perceptions of ease of use, usefulness, and security. QRIS is considered effective in increasing transaction efficiency, reducing reliance on cash, supporting financial record transparency, and expanding the digital payment ecosystem within campus environments. However, its effectiveness is influenced by digital literacy and technological infrastructure. This study concludes that QRIS plays an important role in shaping students’ digital transaction habits. Therefore, improving digital literacy and strengthening infrastructure are recommended to optimize QRIS implementation in higher education institutions.
Implementation of the Quick Response Code Indonesian Standard (QRIS) in Encouraging Financial Inclusion in IndonesiaImplementation of the Quick Response Code Indonesian Standard (QRIS) in Encouraging Financial Inclusion in Indonesia
Perkembangan digitalisasi sistem pembayaran di Indonesia mendorong lahirnya Quick Response Code Indonesian Standard (QRIS) sebagai instrumen pembayaran non-tunai yang terstandarisasi. Penelitian ini bertujuan untuk menganalisis implementasi QRIS dalam mendorong inklusi keuangan di Indonesia melalui pendekatan kajian literatur naratif dengan analisis konseptual-kritis. Data diperoleh dari artikel ilmiah, laporan resmi, dan regulasi yang relevan dengan sistem pembayaran digital dan inklusi keuangan. Hasil kajian menunjukkan bahwa implementasi QRIS berkontribusi signifikan terhadap peningkatan efisiensi transaksi, digitalisasi manajemen keuangan UMKM, serta perluasan akses masyarakat terhadap layanan keuangan formal. QRIS berperan sebagai pintu masuk inklusi keuangan digital melalui interoperabilitas sistem pembayaran yang terintegrasi. Namun demikian, dampak QRIS terhadap pendalaman inklusi keuangan masih bergantung pada tingkat literasi keuangan, kesiapan infrastruktur digital, serta aspek keamanan dan kepercayaan pengguna. Secara konseptual, QRIS memperkuat transformasi sistem pembayaran nasional menuju ekosistem digital yang lebih transparan dan efisien, tetapi optimalisasi dampaknya memerlukan integrasi kebijakan literasi, pemerataan infrastruktur, dan perlindungan konsumen guna mewujudkan sistem keuangan yang inklusif dan berkelanjutan.
Bank Indonesia's Policy Analysis in Facing the Challenges of Digital Payment System Regulation in the Era of Financial Transformation
Digital transformation in Indonesia’s financial sector has shifted payment systems from cash-based to more efficient digital transactions, requiring adaptive policies from Bank Indonesia as the payment system authority. This study analyzes Bank Indonesia’s policies in addressing regulatory challenges in the digital payment ecosystem. Using a qualitative narrative literature review based on secondary data from academic journals and official policy documents, the findings show that Bank Indonesia has adopted an adaptive and risk-based approach through the Indonesia Payment System Blueprint 2030 and initiatives such as QRIS, BI-FAST, the National Payment Gateway, and the National Open API Payment Standard, which enhance interoperability, efficiency, and security. Nevertheless, cybersecurity risks, digital literacy gaps, and supervisory complexity remain significant challenges. The study concludes that the current policy direction is appropriate but requires continuous evaluation, stronger risk management, and improved digital literacy to ensure sustainable digital payment system stability.
BI-FAST: Revolutionising Fast, Secure and Affordable Payment Systems in Indonesia
Perkembangan digitalisasi sistem keuangan mendorong transformasi infrastruktur sistem pembayaran nasional untuk meningkatkan efisiensi dan stabilitas ekonomi. Penelitian ini bertujuan menganalisis konsep, karakteristik, peran, manfaat, dan tantangan implementasi BI-FAST sebagai inovasi sistem pembayaran ritel di Indonesia. Metode yang digunakan adalah studi kepustakaan dengan pendekatan deskriptif-analitis melalui penelaahan jurnal ilmiah, laporan resmi Bank Indonesia, serta dokumen kebijakan terkait sistem pembayaran digital. Hasil kajian menunjukkan bahwa BI-FAST memiliki karakteristik utama berupa transaksi real-time 24 jam, biaya transfer yang rendah, interoperabilitas antarbank, dan integrasi dengan berbagai kanal digital. Implementasinya berperan dalam meningkatkan efisiensi sistem pembayaran melalui percepatan perputaran uang, optimalisasi operasional perbankan, serta penguatan integrasi infrastruktur pembayaran nasional. BI-FAST juga memberikan manfaat bagi masyarakat dalam bentuk kemudahan, keterjangkauan biaya, dan dukungan terhadap inklusi keuangan, sekaligus mendorong transformasi layanan dan model bisnis di sektor perbankan. Namun demikian, implementasinya masih menghadapi tantangan berupa ketimpangan literasi keuangan digital, keterbatasan infrastruktur teknologi, dan risiko keamanan siber..
Public Sentiment Analysis on the Implementation of QRIS TAP Using Brand24
This study aims to analyze public sentiment towards the implementation of QRIS TAP in the digital space using the Brand24 tool. The study uses a descriptive qualitative approach with a netnography method. Data collection was conducted non-participatively through Brand24, with data sources coming from X, TikTok, blogs, videos, and news portals during the period from September 20, 2025, to February 20, 2026. Data was obtained through keyword searches related to QRIS TAP and analyzed by interpreting data visualizations that included positive and negative sentiments, number of mentions, and reach. The results of the study show that public sentiment tends to be dominated by negative sentiment caused by technical constraints, such as tap process failures and system synchronization issues, although positive sentiment also arises related to the ease and speed of transactions. Analysis of mentions and reach shows fluctuations in the level of public attention with spikes in certain periods influenced by events and news in the digital space. These findings confirm that the success of QRIS TAP implementation is not only determined by technological innovation, but also by operational stability and effective public communication. Therefore, stakeholders, including Bank Indonesia, need to strengthen the system and develop more responsive communication strategies to increase public trust and acceptance.
The National Food Inflation Control Movement (GNPIP) as a Collaborative Strategy to Maintain Price Stability and National Food Security
This article examines the role of the National Movement for Food Inflation Control (GNPIP) as a collaborative strategy in maintaining food price stability and strengthening national food security in Indonesia. Food inflation is a strategic issue that directly affects economic stability, purchasing power, and social welfare, thereby requiring an integrated and cross-sectoral policy approach. This study aims to analyze the implementation of GNPIP as a model of collaboration among Bank Indonesia, the central government, local governments, and stakeholders in the food sector, as well as to identify its implications for price stability and national food security.The research employs a descriptive qualitative approach using a library research method, with secondary data obtained from official government publications, Bank Indonesia, the Central Statistics Agency (BPS), and relevant scientific articles. The data were analyzed using content analysis techniques through stages of data reduction, categorization, and policy concept interpretation. The study finds a research gap in the limited integration of food inflation control and national food security within a single collaborative policy framework. The results indicate that GNPIP serves as a strategic instrument through the 4K strategy, namely supply availability, price affordability, smooth distribution, and effective communication, which contribute to food price stability and the sustainable strengthening of national food security. Furthermore, GNPIP has significant implications for maintaining food price stability while strengthening national food security in a sustainable manner through multi-stakeholder coordination and policy innovation.
The Perspective of the Community in Pekalongan City on the Planned Redenomination of the Rupiah Currency
Rencana kebijakan redenominasi Rupiah merupakan langkah strategis untuk menyederhanakan sistem moneter melalui pengurangan digit nominal tanpa mengubah nilai riil mata uang. Penelitian ini bertujuan menganalisis kesiapan dan perspektif masyarakat Kota Pekalongan terhadap rencana tersebut, mengingat karakter kota sebagai pusat industri kreatif dan perdagangan batik yang sensitif terhadap kebijakan moneter. Penelitian menggunakan pendekatan kualitatif empiris dengan perspektif sosiologis. Data primer diperoleh melalui wawancara mendalam terhadap delapan informan pada Januari hingga Februari 2026, sedangkan data sekunder bersumber dari jurnal ilmiah, buku, dan dokumen resmi yang relevan. Hasil penelitian menunjukkan bahwa pemahaman masyarakat masih heterogen; sebagian informan masih mengaitkan redenominasi dengan penurunan nilai riil (sanering) akibat memori kolektif masa lalu. Meskipun terdapat pandangan positif terkait efisiensi transaksi dan penyederhanaan pencatatan keuangan, muncul kekhawatiran mengenai potensi pembulatan harga ke atas (rounding up) yang dapat memicu tekanan inflasi lokal serta kebingungan sosial pada masa transisi. Penelitian ini menyimpulkan bahwa keberhasilan implementasi redenominasi sangat bergantung pada strategi komunikasi publik yang komprehensif, edukasi keuangan yang merata, dan pengawasan harga yang konsisten. Oleh karena itu, pemerintah perlu melakukan sosialisasi bertahap dan berkelanjutan, melibatkan pelaku usaha lokal, serta memastikan mekanisme pengawasan pasar berjalan efektif guna meminimalkan resistensi dan menjaga stabilitas ekonomi daerah.
Analysis of the Implementation of the QRIS Digital Payment System Policy in Improving the Efficiency and Security of Digital Transactions
The rapid development of digital payment systems in Indonesia has encouraged Bank Indonesia to introduce QRIS (Quick Response Code Indonesian Standard) as a national QR-based payment standard to enhance transaction efficiency and security. This study aims to analyze the implementation of QRIS policy in Pekalongan City and its impact on digital transaction efficiency and security. A descriptive qualitative approach was employed, using observation, in-depth interviews, and documentation involving MSMEs, consumers, and banking institutions. Data were analyzed through data reduction, presentation, and conclusion drawing. The findings indicate that QRIS improves transaction speed and convenience, reduces operational costs, and minimizes payment errors. In terms of security, QRIS ensures data protection and transparent transaction records, although challenges remain, including limited digital literacy and unstable internet connectivity. It is concluded that QRIS implementation is effective in enhancing digital transaction efficiency and security. Strengthening digital literacy programs, improving network infrastructure, and providing continuous assistance for business actors are recommended to support sustainable digital payment transformation.
The Role of National Movement for Food Inflation Control (GNPIP) in Controlling Food Inflation in the Era of Climate ShockThe Role of National Movement for Food Inflation Control (GNPIP) in Controlling Food Inflation in the Era of Climate Shock
Climate change, characterized by the increasing frequency of El Niño, La Niña, drought, and extreme weather events, has strengthened the structural and recurring nature of food inflation in Indonesia. These pressures are particularly reflected in the volatile food component, which is highly sensitive to production and distribution disruptions. This study aims to analyze the role of the National Movement for Food Inflation Control (GNPIP) in controlling food inflation in the era of climate shock and to identify its implementation challenges. The research applies a qualitative approach using a descriptive-analytical literature review method, utilizing secondary data from official reports of Bank Indonesia, Statistics Indonesia (BPS), and national and international academic journals published within the last five to ten years. The findings indicate that while overall inflation in 2025 remained relatively controlled, the volatile food component experienced significant fluctuations due to climate-related supply disturbances and distribution constraints. The implementation of GNPIP’s 4K strategy: supply availability, price affordability, smooth distribution, and effective communication, has contributed to short-term stabilization through strengthened coordination between central and regional inflation control teams, market operations, and interregional cooperation. However, long-term effectiveness remains constrained by limited real-time food data, underdeveloped climate-based early warning systems, and disparities in regional fiscal and logistical capacities. Therefore, stronger integration between inflation control policies, climate adaptation strategies, and food system transformation is essential to ensure sustainable food price stability.
Digital Financial Literacy and QRIS Adoption: A Literature Review on Perceptions of Convenience, Security, Benefits, and Trust
This study aims to examine the relationship between digital financial literacy and the adoption of the Indonesian Standard Quick Response Code (QRIS), focusing on perceptions of ease of use, security, benefits, and user trust. This study used a qualitative approach with the Systematic Literature Review (SLR) method on 20 relevant scientific articles published in the last five years. The data were analyzed descriptively and qualitatively through a process of selection, grouping, and synthesis of research findings based on the main variables studied. The results of the study show that digital financial literacy plays an important role in shaping users' positive perceptions of QRIS. The perception of ease of use is a dominant factor in encouraging the adoption of QRIS, while perceptions of security and trust serve as the foundation for decisions on usage. In addition, perceptions of benefits reinforce the sustainability of QRIS usage, especially among MSME players. This study confirms that QRIS adoption is not only influenced by technological aspects, but also by users' level of digital financial literacy. These findings have implications for strengthening digital financial literacy education to support financial inclusion in Indonesia.
Transformation of the Syariah Court in Malaysia: Towards the Implementation of Alternative Sentencing for Criminal Offences under Islamic Family Law
Islamic Family Law in Malaysia plays a vital role in regulating the institution of the Muslim family in accordance with Shariah principles. Non-compliance with the stipulated laws and regulations may result in legal penalties as provided under the Syariah Courts (Criminal Jurisdiction) Act 1965 (Act 355), as amended in 1988. However, the enforcement of punishment solely based on Act 355 has often sparked debates and raised questions among various stakeholders regarding its effectiveness in achieving the true objectives of punishment in Islam. This article, applying a qualitative approach, explores the necessity of implementing and strengthening alternative punishments alongside existing penalties for specific offences under Islamic family law. By examining current legal provisions related to Islamic family law, including forms of offences and relevant case examples, this paper proposes strategic measures for the application of alternative punishments that align with the Shariah principles of sentencing and respond appropriately to contemporary societal needs. The findings indicate that, if systematically implemented, alternative punishments have the potential to offer a more holistic impact on social justice, including reducing the negative consequences of imprisonment, preventing recidivism, and serving as a deterrent to others from committing similar offences.
Implementation of Alternative Sentencing
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Exploration Of The Experience Of Islamic Religious Education Teachers In Implementing Learning Based On Character Values
This study aims to explore the experiences of Islamic Religious Education (IRE) teachers in implementing character values-based learning in schools. Character values such as honesty, responsibility, tolerance, and discipline are central to the learning process, aiming to shape students with noble character. This research uses a descriptive qualitative method with a case study approach. Data were collected through in-depth interviews, observations, and documentation. The findings reveal that IRE teachers play a strategic role in instilling character values through exemplary behavior, integration of teaching materials, and contextual learning approaches. However, teachers face challenges such as limited environmental support and insufficient instructional time. This study recommends ongoing training and synergy between teachers, parents, and the school environment to strengthen character education.
Islamic Constitutionalism and the Management of Diversity: The Dialectic of Coexistence and Empowerment — A Case Study of "Rukun Negara" and "Pancasila"
This study aims to investigate the foundational dimensions of peaceful coexistence and constitutional empowerment for a diverse society, within the framework of the Islamic constitutional system. The study employs a textual-analytical methodology, examining Prophetic texts and covenants, chief among them the Constitution of Medina, recognized as the first constitutional document to regulate citizenship in a pluralistic society. The study addresses a central problem: the misconception that empowering the Islamic frame of reference in governance and legislation necessarily leads to the weakening of coexistence or the infringement upon the rights of non-Muslims. In contrast, this study posits that constitutional "empowerment" based on Islamic principles (justice, contractual religious freedom, human dignity, and shared responsibility) is the strongest and most effective guarantee for achieving prosperous coexistence and full citizenship. Using a comparative approach, the paper reviews models of coexistence in Malaysia and Indonesia, analyzing how their constitutional frameworks and national philosophies (the Rukun Negara and Pancasila) have contributed to managing diversity and the challenges they face. The study concludes that the Constitution of Medina presents a vibrant and contemporary practical model, demonstrating that the empowerment of the Islamic constitutional system was not an end for the majority but a means to end chaos, establish the rule of law, and protect the rights of all citizens. Thus, the study presents an integrated vision that affirms that empowerment and coexistence are not contradictory concepts but are organically intertwined; genuine coexistence is impossible without just authority to enable it.
The Medina Charter's Enduring Relevance: A Foundational Constitutional Model for Malaysia's MADANI Vision
This study critically examines the potential of Islamic constitutionalism, exemplified by the Medina Charter, to serve as an authentic and profound foundational framework for the contemporary "Malaysia MADANI" philosophy. It posits that modern societal development initiatives, such as the MADANI vision introduced by the Malaysian Prime Minister, require a robust axiological, ethical, and constitutional underpinning to ensure their effective, sustainable, and non-selective implementation. This is particularly crucial for guaranteeing the just treatment of all societal constituents, including religious and ethnic minorities, resident aliens, and displaced populations. The research contends that the timeless principles enshrined in the Medina Charter—the first written constitution in Islam—are uniquely qualified to provide this essential structure. Through a systematic analysis of the MADANI philosophy’s six core pillars, followed by an in-depth examination of the Charter's provisions on the Ummah (political community), contractual citizenship, justice, security, shared responsibility, and fundamental rights, this study elucidates how these classical Islamic principles can form the moral and legal wellspring from which the MADANI concept derives its legitimacy and operational strength. The paper concludes that a sincere and holistic adoption of this referential framework, applied equitably, can be instrumental in building a more just, prosperous, and cohesive Malaysian society, thereby fostering profound civilizational coexistence and actualizing comprehensive, responsible citizenship.
Implementation of Al-Islam and Muhammadiyah Values (AIK) at Muhammadiyah University of Riau
Muhammadiyah Higher Education Institutions have been nationally recognized for their contribution to education. At the curriculum level, Muhammadiyah universities have a hidden curriculum, which makes it mandatory for every Muhammadiyah university to implement the curriculum established by the Central Leadership of Muhammadiyah. This hidden curriculum is Al-Islam and Muhammadiyah Values (AIK). AIK represents the living values, behavioral reference, and driving force at Muhammadiyah University of Riau (UMRI). This study employs field research with a qualitative approach. Data collection techniques include observation, interviews, and documentation. Data analysis techniques involve deductive, inductive, and comparative methods. Research findings show: 1. The policy for implementing the quality standards of Al-Islam and Muhammadiyah Values consists of AIK policies set by the Central Leadership of Muhammadiyah, which are realized through the establishment of the Daily Advisory Board as a means of guiding lecturers and education staff at UMRI. Meanwhile, UMRI’s internal AIK policies are implemented through institutional policies and regulations as outlined in the STATUTE, Strategic Plan (RENSTRA), Internal Quality Assurance System (SPMI), and rector’s circular letters. 2. The implementation of AIK at UMRI includes: (1) the AIK learning system is integrated with the Learning Management System (LMS) called SIKULI (Sistem Kuliah Online), (2) AIK learning is conducted according to the curriculum determined by the Central Leadership of Muhammadiyah and implemented in the Faculty of Islamic Studies. In the AIK curriculum development stage at UMRI, a special team is needed to review the AIK curriculum to ensure it remains contextual and relevant to the needs of students and lecturers. For more creative, innovative, and progressive AIK development, a multicultural approach can be adopted.
LGBT-Related Crime: The Imperative of Awareness and Islamic Education
The increasing acceptance of LGBT practices presents substantial moral and social challenges within Muslim communities, as such practices are inconsistent with the ethical and legal foundations of Islamic teachings. This phenomenon contributes to the deterioration of Muslim family structures and undermines the religious identity of individuals, particularly among the youth. This article aims to analyse LGBT-related offences and explore preventive strategies from an Islamic perspective. A qualitative research methodology was adopted, with content analysis employed as the primary method of data collection. The data were subsequently examined thematically and descriptively in line with the study’s objectives. The findings revealed several forms of criminal conduct in Islam that are linked to LGBT-related behaviour. Consequently, heightened awareness and the integration of Islamic education are essential in effectively addressing this issue.
The Accomplishment of Da'wah in Integrating Islamic Value into the Cultural Orang Asli of Malaysia
The success of Da'wah (Islamic missionary efforts) in integrating Islamic values into the Orang Asli communities of Malaysia has been a complex and gradual process. It involves not just religious conversion, but also cultural negotiation, socio-economic development, and political engagement. The Orang Asli, the indigenous peoples of Peninsular Malaysia, represent a diverse group comprising various tribes with distinct cultures, languages, and spiritual beliefs. Historically rooted in animism and ancestral traditions, the Orang Asli have experienced increasing religious and cultural transformations, particularly through Islamic missionary efforts known as Da’wah. This paper explores the accomplishment of Da’wah in integrating Islamic values into the cultural fabric of the Orang Asli community, examining both the extent of its success and the challenges that accompany this integration. The islamic values introduced in Orang Asli have shaped a distinct and unique by integrating these values such as Islamic principles (Tawhid: belief in the oneness of God, Fitrah: natural disposition, Ubudiyyah:servitude to God, Akhlaq: moral conduct and intellectual development) have become fundamental in shaping the islamic values among orang asli.
Not Marriage, But Maturity: Rethinking Child Marriage in Malaysia through Maqāṣid al-Sharīʿah and Educational Reform
Child marriage remains a pressing issue in modern Muslim societies, involving a complex intersection between Shariah requirements, cultural norms, and the protection of children's rights. This study aims to examine judicial practices in approving underage marriage applications in the Syariah Court of Kelantan, using the framework of maqāṣid al-sharīʿah and fiqh al-muwāzanah. Employing a qualitative methodology, data were collected through semi-structured interviews with five Syariah Court judges and content analysis of official case documents from 2019 to 2020. Findings revealed that nearly all applications were approved, primarily justified as a means to prevent greater harm such as premarital pregnancy and illicit relationships. Key maqāṣid elements considered included ḥifẓ al-dīn (preservation of religion), ḥifẓ al-nafs (preservation of life), and ḥifẓ al-nasl (preservation of lineage). However, the aspect of ḥifẓ al-ʿaql (preservation of intellect) through education was rarely emphasized in judicial reasoning. Education, which plays a vital role in developing intellectual and emotional maturity, was often overlooked. This study recommends the implementation of pre-marital education modules, psychosocial maturity assessments, and alternative psychosocial support for affected adolescents. In conclusion, education must be elevated as a central maqāṣid mechanism in addressing child marriage, balancing short-term societal interests with the long-term intellectual and emotional well-being of Muslim youth.
The Integration of Naqli and Aqli Knowledge in Islamic Law of Evidence in Malaysia: An Overview Based on the Qur’an, Science, and Technology
The Qur’an is the primary source of Islamic law, revealed to the Prophet Muhammad (peace be upon him) as a guide for human life in both worldly and spiritual matters. It encompasses various legal principles, moral teachings, and bodies of knowledge, including those related to science and technology. Clearly, the integration of rational (‘aqli) and revealed (naqli) knowledge within the Qur’an demonstrates Islam’s openness to the advancement of knowledge. This phenomenon is not only acknowledged by Muslim scholars but has also been recognised by Western academics, some of whom embraced Islam as a result of their studies. In principle, Islamic law does not limit evidence to specific methods. On the contrary, the Shariah Court may accept any form of evidence that fulfills the requirements prescribed by Islamic law, as long as it is capable of convincing the judge. Evidence derived from science and technology, such as DNA analysis, may be classified as qarinah (circumstantial evidence) or expert testimony. Although the recognition of such methods is generally expressed in national Acts and State Enactments, the courts do not reject their use in establishing guilt or legal facts, including in matters of lineage determination. This paper aims to analyse the extent to which scientific and technological facts may be utilised as tools of proof in accordance with the Qur’an and the Islamic Law of Evidence, and to examine the practices of the Shariah Courts in accepting and assessing such evidence.
Dehumanization in the Age of Artificiality: Rethinking Medical Education Through The Islamic Conception Of Man
Contemporary medical education faces a growing crisis of dehumanization, driven by the rapid advancement of technology and the rise of artificial intelligence. Within a technocratic system, both medical practitioners and students are at risk of perceiving patients as clinical data rather than holistic human beings. This phenomenon reflects a deeper ontological and epistemological disorder which, from the Islamic perspective—particularly in the thought of Syed Muhammad Naquib al-Attas—is rooted in the loss of adab, the failure to recognize the proper place and purpose of knowledge, self, and human dignity. This study adopts a qualitative-conceptual methodology grounded in Islamic intellectual tradition. It engages with primary texts by Syed Muhammad Naquib al-Attas, classical Islamic sources, and contemporary literature on medical education. The findings reveal that modern medical education, rooted in secular and reductionist epistemologies, marginalizes the spiritual, moral, and metaphysical dimensions of the human being. This has led to the commodification of the medical profession and emotional fatigue among healthcare providers. Drawing from al-Attas’s metaphysical anthropology, the study articulates a holistic conception of the human being comprising jasad, qalb, ʿaql, nafs, and rūḥ. Medical education should be reconceptualized as a moral and spiritual endeavor, aimed not only at professional competence but also at the cultivation of virtuous, God-conscious individuals. Addressing dehumanization in medical education requires a paradigm shift that re-centers the human being as the ontological and ethical core of educational practice. Islamic medical education must be reformed through institutional redesign, faculty development, and spiritually informed mentorship models.
Promoting Islam and Malay Values through Mosque Tour Program in Perlis, Between Opportunities and Challenges
Mosque Tour Program that is implemented in renowned mosques worldwide offers tourists not only enriched experiential value but also aligns with Quranic and prophetic imperatives on da’wah and fostering inter-cultural understanding. Despite Perlis’s reputation for iconic mosques, vibrant tourist inflows, proactive tourism promotion, and initiatives to revitalize the Sunnah, the state has yet to systematically implement such a program. This study explores the feasibility of launching a Mosque Tour Program in Perlis by conducting interviews with senior tour guides at four major tourism mosques in Malaysia’s Federal Territory and analyzing the transferability of best practices. Findings indicate that a successful Mosque Tour Program depends on a dedicated team of volunteers who are spiritually, financially, and professionally equipped to navigate both internal and external challenges. Institutional support from religious, tourism, and educational agencies emerges as essential, yet the intrinsic qualities of the mosque such as its appeal to tourists, willingness to provide necessary facilities, and a communicative, welcoming attitude are equally critical for volunteer sustainability and visitor satisfaction. Notably, experienced guides emphasize that no singular model fits all contexts; rather, each mosque should tailor its approach to local circumstances while engaging in mutual learning for continual improvement. This study concludes that al-Hussein Mosque in Kuala Perlis is the most promising site in Perlis to initiate the program, owing to its strategic location, physical attributes, and supportive administration. Future research should examine how agencies can further facilitate, monitor, and sustain such programs; travel companies to promote the site; and universities students to utilize the program to improve language and communication skillactively promote Malay culture within Perlis’s multicultural landscape.
Development of STEM E-Book Integrated with Religion Values
Education plays an important role in shaping the character and progress of a country. Technological developments should be used to make innovations in achieving educational goals. One of them is to use electronic books because of the flexibility of learning, interactivity, ease of searching, and ease of updating. This research is a type of research and development (R&D) that uses the ADDIE development model (Analysis, Design, Development, Implementation, and Evaluation). The purpose of this research is to create a STEM E-Book integrated with religious values in thematic courses (IPAS) PGMI UMRI students. In the validation level, a) Learning media expert validator obtained a score of 94.13% with the category "very valid", b) Material expert validator obtained a score of 95.53% with the category "very valid", c) Integration expert validation obtained a score of 100% with the category "very valid", and d) Student response to E-Book media obtained a score of 86.30% with the category "very good".
The Influence of Sharia Financial Literacy on Customers’ Saving Interest in BUMDes Sharia Kembang Setanjung
Sharia financial literacy refers to individuals’ awareness and understanding in managing financial resources in accordance with Sharia principles. One of the prevailing issues is that customers’ decisions to save or not are influenced by perceptions of convenience and security. Some believe Sharia-based institutions to be less secure than conventional banks, mainly due to limited understanding of the differences in contract mechanisms. Most customers perceive the primary difference between conventional banks and BUMDes Sharia merely as institutional size. This study aims to examine the influence of Sharia financial literacy on customers’ interest in saving at BUMDes Sharia Kembang Setanjung. The results indicate a positive and significant relationship, evidenced by the t-test result (t = 7.620 > t-table = 1.987). The higher the level of Sharia financial literacy, the greater the customers' saving interest. Conversely, lower literacy levels result in reduced saving interest. The correlation coefficient of 0.633 suggests a strong relationship between Sharia financial literacy and customers’ saving interest based on standard interpretation guidelines.
Transformation of Arabic Language Education: Aligning Cefr with the Needs of Holistic Islamic Literacy
This study explores the transformative potential of aligning Arabic language education with the Common European Framework of Reference for Languages (CEFR), focusing on enhancing holistic literacy—comprising linguistic, intellectual, and spiritual aspects—among Muslim communities. While CEFR has become a dominant global benchmark in language education, its implementation within Arabic language pedagogy, especially in Islamic institutions, remains limited and inconsistent. Key issues identified include the tension between CEFR’s communicative approach and grammar-based traditional instruction, a lack of contextualised teaching materials, and the neglect of spiritual dimensions in curriculum design.This qualitative study adopts document analysis as its method, drawing upon academic journals, education policy reports, and CEFR implementation studies in the Malay Archipelago. The aim is to assess the extent to which CEFR aligns with the linguistic and pedagogical needs of Arabic instruction in contexts shaped by Islamic values and culture.The findings reveal four major themes: (1) the compatibility of CEFR with the linguistic structure of Arabic; (2) the conflict between communicative goals and traditional teaching methods; (3) the lack of CEFR-aligned, contextualised teaching materials; and (4) the neglect of intellectual and spiritual literacy within curriculum design.The study concludes that CEFR’s effectiveness depends largely on how well it is contextualised to align with Islamic epistemology and educational values. It recommends the development of culturally responsive teaching materials, relevant teacher training modules, and curriculum adaptations that meaningfully integrate CEFR with the realities of Muslim learners. This research contributes to building a more holistic and impactful Arabic language pedagogy.
Common European Framework of Reference (CEFR)