Online Journal of Islamic Management and Finance (OJIMF)
The Online Journal of Islamic Management and Finance (e-ISSN: 2785-9398) is a blind peer-reviewed journal published bi-annually (April and October) by Department of Islamic Management and Finance, Academy of Islamic Studies, Universiti Malaya. It is an online and open access journal comprising manuscripts in Malay, English and Arabic languages. OJIMF welcomes manuscript submissions that cover multidisciplinary, interdisciplinary and transdisciplinary studies associated with Islamic management and finance, which may range from management, administration, marketing, entrepreneurship, human resource management, ethics, accounting, finance to banking. The Online Journal of Islamic Management and Finance (OJIMF) is currently accepting manuscripts for publication such as literature review, conceptual framework, case studies, theoretical and empirical research papers. It is indexed in https://mysitasi.mohe.gov.my/portal/#/journal-details/dfe2db8a-5f76-11ef-a699-005056a6a970 - E-ISSN: 2785-9398. OJIMF is also indexed in ARCIF starting 2025. At present, OJIMF does not charge for the submission or processing of articles.
Department of Islamic Management and Finance, Academy of Islamic Studies, Universiti Malaya
The published manuscript shall be a copyright of the Department of Islamic Management and Finance, Academy of Islamic Studies, Universiti Malaya, Kuala Lumpur, Malaysia. The published manuscript would not represent the stand or opinion of the Advisory Board, Editorial Board, Co-Editorial Board and the Management Team of Online Journal of Islamic Management and Finance (OJIMF), or the Department of Islamic Management and Finance, Academy of Islamic Studies, Universiti Malaya. Note: This is an open access journal which means that all content is freely available without charge to the user or his/her institution. Users are allowed to read, download, copy, distribute, print, search, or link to the full texts of the articles in this journal without asking prior permission from the publisher or the author. This is in accordance with the BOAI definition of open access
KEY CHALLENGES AND CRITICAL SUCCESS FACTORS FOR THE ISLAMIC BANKING SECTOR OF BANGLADESH
This research investigates the challenges faced by Islamic banks in Bangladesh in delivering quality service and identifies the critical success factors (CSFs) needed to overcome those obstacles. Semi-structured online interviews were conducted with a purposive sample of 15 experienced bankers from Islamic banks across Bangladesh. Most participants have over 18 years of experience in the field, and their insights offer valuable perspectives on macro and microeconomic challenges. The qualitative analysis of the interviews highlighted five significant challenges and 29 related CSFs. Key challenges include inadequate governance, limited access to capital markets and financial investment, liquidity issues, a lack of Islamic banking products and services, and employees' need for more knowledge about Islamic banking. Understanding these challenges and their CSFs can facilitate Islamic banks in effectively allocating resources, improving their operational performance, and achieving a sustainable competitive advantage. This, in turn, can pave the way for a brighter, more prosperous future for Islamic banking in Bangladesh. By implementing these strategic interventions, Islamic banks can strengthen their role in the wider economic landscape, promoting a more prosperous future for the industry.
RISK-BASED CAPITAL AND TAKAFUL INSURANCE PERFORMANCE: THE MODERATING ROLE OF FIRM SIZE
This study examines the impact of Risk-based Capital (RBC) on Takaful's financial performance, focusing on company size as a moderation factor. The RBC value is an insurance company's benchmark in assessing the ability to meet insurance and reinsurance commitments. Overall, a good RBC level can reinforce a company's value advantage. Based on resource-based theory, which discusses the value possessed by a company, it is explained that the size of a company can provide a positive prospectus signal for investors in terms of the health and performance of the company. The research methodology used in this study is Moderated Regression Analysis (MRA) with a quantitative approach. This research is focused on Islamic insurance companies in Indonesia that have received permits from the Financial Services Authority (OJK) from 2019 to 2023. The results of this study show that the amount of RBC allocation has a significant effect on the financial performance of Islamic insurance companies (takaful) in Indonesia. However, the size of the company does not moderate the influence of RBC on the financial performance of takaful companies in Indonesia. Insurance companies, both large and small, must be able to effectively allocate RBCs so that companies can meet claims obligations and maintain the stability of the company's financial health. RBC can assist insurers in formulating more effective risk management strategies so that insurers can increase customer and stakeholder confidence and maximize their financial performance.
EXPLORING ISLAMIC FINANCE AS A TOOL FOR MITIGATING AGRICULTURAL RISKS
Agricultural financing plays a critical role in ensuring food security and economic stability in many developing countries. However, farmers face numerous financial risks, including fluctuating commodity prices, climate change, and access to affordable credit. This study aims to revisit Islamic financial principles and systems to explore their potential in addressing the financial risks faced by farmers in Sri Lanka. Islamic finance, with its emphasis on risk-sharing and ethical investment, offers unique opportunities for developing innovative solutions adapted to the agricultural sector. This study has analyzed the applicability of Islamic financial instruments such as Murabaha, Mudarabah, and Salam contracts in agricultural financing in Sri Lanka. By examining the strengths and limitations of these instruments, the research has presented financial resilience and sustainability for farmers. Ultimately, this research aimed to contribute to the broader discourse on sustainable agricultural finance by highlighting the relevance of Islamic finance in mitigating financial risks and fostering inclusive growth in the agricultural sector in Sri Lanka.
أثر الثقافة التنظيمية على الأداء الوظيفي: رؤية إدارية معاصرة
This research discussed the impact of organizational culture on job performance from a contemporary management perspective, depending on the concern in organizational culture in the various organizations all around the world because of its positive impact on job performance through adjusting the relationship between these concerned parties and directing the administrative thinking to the organizational, administrative and ethically functional practices in the contemporary business organizations. The study adopted the analytical inductive approach to achieve the research objectives, which are: clarifying the nature of organizational culture and job performance, determining the dimensions of measuring the relationship between them, studying the impact of organizational culture dimensions on job performance, exploring the challenges that hinder the effective application of organizational culture within institutions, and proposing a contemporary vision to enhance the impact of organizational culture on job performance. The research found some results. Organizational culture contributes to cohesion and enhances work quality, growth, and excellence. In addition, it strengthens relationships among employees and fosters loyalty and job satisfaction. Consequently, all these positively influence the competency of job performance. The researcher recommends a shared cultural and social environment should be created to promote interaction, improve communication and collaboration with employees, and establish effective communication channels between leadership and the workforce.
THE ROLE OF ISLAMIC SOCIAL RESPONSIBILITY IN ENHANCING COMMUNITY WELFARE AND SUSTAINABLE DEVELOPMENT
This study investigates the role of Islamic Social Responsibility (ISR) in promoting social welfare and sustainable development, highlighting how Islamic principles of justice (‘adl), charity (ihsan), and stewardship (khilafah) provide a holistic foundation for addressing socio-economic challenges. ISR contributes through the redistribution of wealth and support for essential public services—such as poverty alleviation, education, and healthcare—via key instruments like zakat, waqf, and sadaqah. A qualitative approach was employed, combining literature review, case study, and semi-structured interviews with 10 purposively selected participants, including Islamic scholars, policymakers, and financial institution officials. Thematic analysis was used to identify ISR mechanisms, assess them against Sustainable Development Goals (SDGs), and examine implementation barriers. Findings underscore ISR’s potential as a strategic tool for policymakers in addressing current social and economic issues. Future research could explore ISR’s effectiveness across different cultural or economic contexts and assess its integration into national development policies.
TAWHIDIC EPISTEMOLOGY AND UMMATIC MIND AS STRATEGIC RESOURCES IN ENHANCING SMALL BUSINESS RESILIENCE FOR UMMATIC EXCELLENCE
This study advances strategic management theory by integrating Islamic metaphysical constructs into the discourse on organizational resilience. Anchored in Tawhidic epistemology and the Ummatic mind, we explore taqwa (God-consciousness) as a faith-based intangible resource that shapes small business resilience. Drawing on the Resource-Based View (RBV), the study reconceptualizes resilience both as adaptive capacity and as an expression of spiritual and moral coherence. Utilizing a qualitative, interpretive case study approach involving five Malaysian small business owners, the study identified how internalizing taqwa through the Ummatic mind enhances ethical decision-making, stakeholder trust, and long-term strategic orientation. The findings demonstrate that the integration of Islamic metaphysical resources can produce sustained competitive advantage and lead to Ummatic excellence. This paper contributes to the emergent literature on spirituality in management and expanding the RBV by positioning metaphysical constructs as legitimate strategic assets.
MASA DEPAN INDUSTRI HOTEL HALAL DI MALAYSIA DAN INDONESIA: CABARAN DAN PELUANG
The halal hotel industry is expanding rapidly on a global scale, particularly in Muslim-majority countries such as Malaysia and Indonesia, which are among the leading destinations for Islamic tourism. This study aims to examine the future of the halal hotel industry by focusing on the challenges and opportunities faced by both countries. A qualitative approach was employed, using thematic analysis based on an extensive review of literature and policy documents related to halal tourism, certification, and consumer trends. The findings identify key challenges such as the lack of standardized halal certification, high compliance costs, and varying levels of awareness and perceptions among consumers regarding halal hotel concepts. Nevertheless, significant opportunities are emerging, including the growing demand from global Muslim travelers, strong governmental support, and the integration of innovative technologies in Shariah-compliant hospitality services. This study is expected to provide valuable insights for policymakers, certification bodies, and hotel operators in formulating strategies to develop a more competitive, sustainable, and Maqasid Shariah-aligned halal hotel industry.
PROMOTING ASEAN ISLAMIC BANKING INTEGRATION: PROSPECT AND INCLUSIVE FRAMEWORK
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.
THE POTENTIAL FOR HUMAN CAPITAL DEVELOPMENT (HCD) THROUGH WAQF FUND
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.
KEBOLEHKESANAN HALAL DALAM INDUSTRI LOGISTIK DI MALAYSIA: TINJAUAN LITERATUR SISTEMATIK
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.
KONTRAK PENDASAR SYER KEANGGOTAAN KOPERASI: SATU ANALISIS DARI PERSPEKTIF SYARIAH
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.
تأثير الثقافة القطرية في تحقيق الأداء المؤسسي، دراسة تحليلية
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.
REGULATORY CONFLICT BETWEEN HALAL CERTIFICATION AND HOME FOOD INDUSTRY (P-IRT) LICENSE IN INDONESIA
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.
KEPUASAN PESERTA TERHADAP KUALITI PENYAMPAIAN MAKLUMAT PENGURUSAN PEWARISAN ISLAM: KAJIAN KE ATAS AKTIVITI PROGRAM BAITULMAL MAJLIS AGAMA ISLAM SELANGOR (MAIS)
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.
PENGGUNAAN KECERDASAN BUATAN (AI) DALAM KEUSAHAWANAN ISLAM: PELUANG DAN CABARAN DI NEGERI KEDAH
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.
POVERTY ALLEVIATION IN NIGERIA: AN INSIGHT INTO JAIZ BANK ISLAMIC MICROFINANCE SCHEME
The purpose of this paper is to investigate Jaiz bank Islamic microfinance and poverty alleviation in Nigeria. The paper used qualitative method using exploratory techniques and interview with 15 customers respondents and 3 Jaiz bank executives carried out the research with semi-structured interviews and face-face approach to analyse on how microfinance evolved in poverty alleviation in Nigeria. Jaiz bank microfinance is systematically useful in capacity building and entrepreneurial development of active poor and enhances standard of living of underprivilege. The research goes a long way in reducing the rate of unemployment and empowering potential local communities and reducing difficulties among the poor in Particular in the Northern part of Nigeria. The paper differs from previous studies on the development of microfinance in Nigeria, in sub-Saharan African countries for which research on Islamic microfinance is sparse. The paper is unique in analysing finding and discussing on how microfinance emerged as way of poverty alleviation in the Nigerian context.
STRATEGY AND SUSTAINABILITY OF BAITUL MAAL WAT TAMWIL IN THE DISRUPTION ERA: EXPERIENCE FROM LOMBOK WEST NUSA TENGGARA
The services of Islamic financial institutions known as Baitul Mal Wat Tamwil intended to help low-income communities improve their standard of living, have created economic defense for the community in the era of technological disruption. The research aims to investigate Baitul Mal Wat Tamwil's resiliency strategy in the disruption age. In-depth interviews, literature reviews, and observations were the methods used to collect the data for this investigation. The acquired data has been combined and subjected to descriptive qualitative analyses. In the disruption era, it will be crucial for Baitul Maal Wat Tamwil to stay ahead of emerging trends and technologies in the financial industry. This will require a proactive approach to innovation and a willingness to adapt to changing market conditions. By embracing digital transformation and exploring new business models, the organization can position itself as a leader in the industry and continue to thrive in the face of disruption. Additionally, focusing on sustainability and social responsibility will be essential for maintaining a positive reputation and attracting socially conscious customers. Overall, by staying agile and forward-thinking, Baitul Maal Wat Tamwil can navigate the challenges of the disruption era and emerge more vital than ever before
THE INFLUENCE OF SOCIAL MEDIA MARKETING IN BUILDING TRUSTWORTHINESS AND INTENTION TO DONATE AT CASH WAQF INSTITUTION IN INDONESIA
This study aims to examines the influence of social media marketing on building trustworthiness of cash waqf institutions (nazhirs of cash waqf) and its mediating effect on the intention to waqf in Indonesia. Conducting a survey approach, data were collected from individuals who have made waqf donations through registered nazhir, which is listed in Badan Wakaf Indonesia (Indonesia Waqf Board) within the last two years. Only individuals who follow nazhir’s social media and have made waqf donation that eligible to participate in this research. The study employs Partial Least Square-Structural Equation Modelling (PLS-SEM) to analyze the relationships of Social Media Marketing (SMM), Nazhir Trustworthiness, and the intention to donate waqf. SMM consists of awareness, informativeness, interactivity, and trendiness. Results from 104 eligible respondents indicate that SMM significantly influences nazhir trustworthiness and intention to waqf in direct path. Furthermore, results also reveal that nazhir trustworthiness plays a role as a partial mediating variable in the relationship between SMM and intention to waqf. The findings suggest that social media marketing is a crucial tool for cash waqf institutions to build trust and encourage waqf contributions, providing valuable insights for policymakers and stakeholders in the waqf sector.
INVESTIGATING THE IMPACT OF A TRAINING PROGRAM TO EVALUATE THE QUALITY OF INDIVIDUAL PERFORMANCE OF ISLAMIC STUDIES STUDENTS AT SULTAN QABOOS UNIVERSITY
The current study focuses on investigating the Good Aim training program for students of the Islamic Studies students at Sultan Qaboos University, where the average evaluation continues through several stages that students go through as they activate this process, which are: planning the evaluation, collecting evidence, and issuing justice. Disposing of the judiciary and monitoring the effectiveness of the measures, as a technical study was conducted by 40 students from the Islamic Studies students in Sultan Qaboos. The study population was chosen from the bachelor’s level in its various academic departments. The age of the students ranged from 19 to 22 years. This sample was distributed equally into two groups, one an experimental sample and the other a random control sample. Since the aim of this study is to investigate the effect of a training program to evaluate the quality of Individual performance of students of the Islamic Studies students at Sultan Qaboos University. The students were trained on the evaluation stage processes according to a training program with specific time stages and objectives. The student in the experimental group was trained in these stages according to a number of 10 training sessions distributed over three training hours, including two practical hours and one theoretical hour, taking into account the timetable and the students’ academic circumstances in the college. To verify the effectiveness of the program, a test was developed to determine the extent to which students activated the training program according to technical specifications that were judged by experts in this field. After the process of analyzing and interpreting the results, the results indicated that the training program is effective and achieves the goal of its design in the field of evaluating the quality of students’ individual performance. Islamic Studies students at Sultan Qaboos University.
THE EFFECT OF ULU AL-ALBAB-DRIVEN COMPETITIVE INTELLIGENCE (CI) ON THE ORGANISATIONAL PERFORMANCE OF THE INSTITUTIONS OF HIGHER LEARNING (HLIs) IN MALAYSIA: MODERATED BY ORGANISATIONAL FACTORS
An effective intelligence is necessary for profit and non-profit entities to formulating strategies and developing plans aim to sustain profitability, financially self-sufficient and competitive advantage. An effective intelligence is not just to acquire key input to the strategic planning for sustainable performance, but also to acquire strategic and accurate data before analysis. Competitive intelligence with ulu al-albab provides a comprehensive view that enhances professionalism by incorporating spirituality for al-falah. Institutions of higher education are crucial to society, particularly in creating skilled and high-quality graduates. Institutions of higher learning play an important to the society especially producing professional and quality graduates and also contributes to the development of the country. This study investigates the effect of competitive intelligence with ulu al-albab on the organisational performance of institutions of higher learning (IHLs) in Malaysia, moderated by organizational factors. The study embedded ulu al-albab, resource-based theory, and knowledge-based theory. 594 institutions of higher learning have been identified and 92 respondents participated in this study. The results suggested that there is a significant effect of ulu al-albab driven competitive intelligence on the organizational performance of IHLs in Malaysia even though without the support from organisational factors such as process and structure and awareness and culture. This study deepens and extends resource-based theory and knowledge-based theory driven by ulu al-albab in giving impact to the competitive intelligence on the organisational performance of institutions of higher learning in Malaysia.
INFLUENCE OF ULŪ AL-ALBĀB ON INNOVATION THROUGH KNOWLEDGE TRANSFER AMONG ICT FIRMS
This study investigates the viewpoints of managers in information and communication technology (ICT) firms regarding Ulū al-Albāb influence in promoting innovation through knowledge transfer. This study argues that stickiness in knowledge transfer hindered promotion. However, Ulū al-Albāb reduces stickiness in knowledge transfer among ICT firms for innovation. The study reveals that Ulū al-Albāb with policy instrument aimed at facilitating knowledge transfer for innovation in the advancement of science and technology, encourages knowledge transfer among ICT firms. The study found that the influence of Ulū al-Albāb enable knowledge workers in the ICT firms to effectively employ their wisdom, religiosity, and spirituality to promote the knowledge transfer. Thus, the study suggests that the incorporation of Ulū al-Albāb in the policy instrument with the policies of science and technology parks to promote innovation among ICT firms.
INFLUENCE OF TARBIYYAH IN CONSUMER EDUCATION AND ADVOCACY IN EMPOWERING INDIVIDUAL CONSUMERS FOR EFFICIENT CONSUMER PROTECTION
This paper investigates the effect of tarbiyyah (a systematic education system) on consumer education and advocacy, concentrating on its role in empowering individuals for effective consumer protection. The purpose of this study is to determine how tarbiyyah influences consumer behaviour and promotes responsible consumption, thereby contributing to Sustainable Development Goal 12 (SDG 12) on responsible consumption. An in-depth examination of the experiences and viewpoints of three consumer advocates who are included in the research's scope is made possible via qualitative personal interviews. Two primary research objectives have been identified: first, to examine the effect of tarbiyyah on consumer education and awareness; and second, to evaluate its efficacy in empowering individuals to safeguard their rights as consumers. The results emphasise the importance of a structured tarbiyyah education system in influencing consumer behaviour and encouraging responsible consumption. The study highlights the pragmatic ramifications for consumer associations and civic organisations involved in promoting conscientious consumer behaviour, underscoring the significance of incorporating tarbiyyah principles into their instructional curricula. By offering insights into empowering people for effective consumer protection, this research adds to the general knowledge of the function of tarbiyyah in consumer education and advocacy. The study has a limitation in that it is based solely on three consumer advocates, which may not fully represent the broader consumer population. While this sample size is suitable for qualitative research to ground insights, it may not effectively capture quantitative aspects and statistical significance. Nonetheless, the study still offers valuable insights into the potential impact of tarbiyyah on consumer behavior. and its contribution to Sustainable Development Goal 12.
أثر القيادة الاستراتيجية على تحسين جودة الخدمة (دراسة ميدانية في وزارة الأوقاف والشؤون الدينية بسلطنة عُمان)
This study aimed to identify the impact of strategic leadership in improving and developing the quality of service in the Ministry of Waqif and Religious Affairs in the Sultanate of Oman from the point of view of the ministry's employees. A sample of 249 employees in the Ministry of Waqif and Religious Affairs was randomly selected to answer questionnaire which is consisting of 57 items as a tool for data collection. Descriptive analytical approach and regression were used for entering, processing and analysing data. Results illustrated a good level of strategic leadership and quality of service in the Ministry of Waqif and Religious Affairs. The study also demonstrated the existence of a positive relationship between the five dimensions of strategic leadership and the quality of service provided in the ministry, ranging between medium and weak. Finally, results revealed that there was a significant effect of determining the strategic direction, supporting organizational culture and promoting ethical practices as dimensions of strategic leadership in the quality of service provided by the ministry, while the effect of the other two dimensions of strategic leadership (development of human capital and investment of strategic resources and capabilities) was weak and ineffective on Quality of service. The study presented many recommendations, including the need for all employees to participate in drawing up strategic policies and paying attention to attracting competencies and developing local capabilities working in the ministry and adopting strategic policies based on the latest electronic means and social media to reach the beneficiaries of the ministry's services in a more effective manner in implementation and achievement of Oman 2040 vision.
أثر المساءلة من منظور إسلامي في أداء المعلمين بالمدارس الحكومية في سلطنة عمان بولاية بوشر من وجهة نظر مديري المدارس ومساعديهم
This study aims to reveal the impact of accountability from an Islamic perspective on the performance of teachers in government schools in the Sultanate of Oman in the state of Bausher. And in their relations during the practice of the educational process, and the importance of the study lies in an attempt to shed light on the importance of knowing the impact of accountability from an Islamic perspective on the performance of teachers, and the researchers used a random sample consisting of (24) school principals and assistant principals in government schools in the state of Bausher, and they were chosen using the intentional sampling method, In the way it was prepared, this study relied on the analytical descriptive approach, and the researchers used the questionnaire as a tool for data collection, which consisted of the field of accountability from an Islamic perspective, and the field of teacher performance. The independent variable (accountability) included four dimensions: (discipline, achievement, professional ethics, human relations ), and to extract the results from the questionnaire, the extracted data were processed by using statistical packages for social sciences (SPSS), and the results of the study showed that there is a positive effect of accountability from an Islamic perspective in the performance of teachers from the point of view of school principals and their assistants according to its four dimensions, and the study recommended to instill the principle of accountability subjectivity based on the Islamic perspective, with the importance of linking the outcomes of accountability with reward and according to the Islamic perspective.
العزلة الوظيفية وتأثيرها على انجاز الاعمال بإتقان: المسببات والحلول
In this research paper, the researcher seeks to find out the causes of job isolation and its impact on the proficient completion of work among employees of the State Council and the Shura Council in the Sultanate of Oman, the problem crystallizes in understanding the causes of job isolation and its impact on the completion of work and tasks with perfection. The researcher also seeks to know the extent of the degree of job isolation among the study sample, and the extent of its impact on the completion of work with perfection. The researcher relied on the descriptive analytical approach to analyze the impact of the phenomenon of functional isolation. The quantitative approach was also used, based on the questionnaire, as a tool for collecting primary data. The researcher sought to distribute the questionnaire to the study population, which numbered 171 to obtain the results. The researcher's findings concluded that there were low levels of feeling of lack of power، Also, the results showed, there is a medium level of feeling of functional isolation, and there is also a medium level of feeling of self-estrangement. On the other hand, the results showed that there was an average level of self-confidence, completing work efficiently, and effective social communication. The study also reached a number of recommendations, the most prominent of which are Establish clear specifications and a clear professional job description for each career path within the State Council and the Shura Council and inform employees about it, Establishing clear standards for evaluating institutional performance, which the employee can review, and linked to job specializations, international models can be used to evaluate performance.
THE IMPACT OF TAQWA ON ETHICS AND COMPETITIVE ADVANTAGE IN MALAYSIAN SMES
This paper investigates the influence of taqwa, an Islamic ethical framework, on the competitive advantage of small and medium-sized enterprises (SMEs) in Malaysia. Taqwa, embodying ethical conduct and responsibility, is posited as a key factor enhancing the competitive advantage of small businesses. The study aims to explore the impact of taqwa on ethics and competitive advantage of SMEs in Malaysia through personal interviews with five owners of SMEs. While previous studies have highlighted the crucial role of ethical and socially responsible practices in business success, the specific impact of taqwa in this context remains underexplored. This study addresses this gap by examining the role of taqwa in SMEs' strategies, ethical marketing, and resilience during challenging times, and employee well-being. The results of the study affirmed that taqwa has an impact on ethics into the structure of decision-making procedures. The impact of taqwa serves as a guiding principle for enterprises, ensuring that their activities conform to higher ethical standards while maintaining competitiveness. It also considers the implications of taqwa on entrepreneurial motivation, marketing orientation, and business sustainability.
DECISION TO USE ISLAMIC BANKS DURING ECONOMIC UNCERTAINTY. DOES PERCEIVED SECURITY MODERATE THE PROCESS?
This paper aims to examine the effect of Islamic marketing mix implementation and the moderating role of perceived security towards Islamic bank customers' decisions in the context of economic uncertainty, by taking place at Surabaya, Indonesia. A strong connection between Islamic bank achievement and economic adversity has been affirmed by multifarious research, however; the perceived security among recent IB customers is less discussed. Measuring the influence of Islamic bank marketing mix implementation towards its customers’ decision making combined with perceived security as the moderating variable is somewhat not as sound as it should be. This is the gap that the researchers want to fill. This paper utilizes Structural Equation Modelling (SEM) and Moderating Regression Analysis (MRA) as the analysis technique, along with Confirmatory Factor Analysis (CFA). The significancy test shows that the perceived security does not present any moderating effect, yet, it acted as the second significant independent variable together with the IB’s Islamic marketing mix, towards the decision-making. Put simply, it means that the respondents deliberately sought security from Islamic banks to confront, or anticipate economic uncertainty.
أثر الامتثال على الحوكمة الشرعية في المصارف الإسلامية
The study aims to identify the impact of compliance on Sharia governance in Islamic banks in Libya and Jordan. To achieve the objectives of the study, the research model is designed based on previous studies on the relationship between the research variables. The study sample includes a number of employees of Islamic banks in Libya and Jordan. Based on the quantitative approach in this research, all variables were tested by way of the SPSS application and the AMOS statistical software package. Out of 225 copies, (204) samples were collected from the employees of these banks whereby 21 questionnaires were excluded. The study has reached some findings, the most important of which is that there is a statistically significant effect of compliance on Sharia governance in Islamic banks in Libya and Jordan at a significant level of 0.05. It is also clear that the strength of the correlation is high, indicated by the high level of confidence and the high level of assumption amounting to 0.745. The findings also indicate the positive trend of this relationship, that is, compliance is directly proportional to the Sharia governance of the employees of Islamic banks in Libya and Jordan. The study also suggests some recommendations, the most important of which are: That banks should have a general and clear guide and framework for the principles of Sharia governance, and for compliance with laws and Sharia in addition to clearly defining functions. The study advises Islamic banks to deliberate on compliance by adopting and developing compliance functions and establishing an effective management system to evaluate compliance.
:SEO & SEMالتسويق عبر محركات البحث أهميتها وفوائدها وطريقة عملها واستراتيجياتها ومدى موافقتها مع الشريعة الإسلامية
Search engine marketing is one of the latest means of e-marketing in the modern era, as it is known by the term (SEO) Search Engine Optimization, one of the completely new ways that marketers use through the use of modern digital tools in order to reach customers, and the main goal of it is to facilitate the link between marketing companies and users When anyone searches through search engines, the link, video, or marketing images appear to them at the top of the search results, which helps them to decide to enter and possibly buy, and therefore the better your pages appear in the search results, the more likely it is to attract attention and attract potential and existing customers to your business. As reports indicate that in 2019, more than $55 billion was spent on search engine marketing, and studies and projections indicate that spending could exceed $86 billion by 2023, which is a huge number and a very strong indicator of the importance of e-marketing for small businesses. The current study follows the descriptive approach by explaining and describing methods, programs, and most important marketing strategies through search engines, where the importance of the research lies in presenting scientific material that highlights the importance of modern marketing methods to enhance the performance of institutions, develop their work, and explain their legal ruling. One of the most important theoretical results of the study is that search engine optimization (SEO) has significant positive results by influencing the number of user visits to small and medium-sized companies' websites, increasing the average duration of user visits, as well as the company's overall sales and revenues generated.
التجربتين العُمانية والماليزية في إدارة الوثائق والمحفوظات: دراسة مقارنة
This article aims to provide a forward-looking vision by comparing the Omani and Malaysian experiences in records management and archives, and highlighting the common aspects between them despite the time difference in their establishment. The problem of the study can be formulated in the following question: What are the similarities and differences between the Omani and Malaysian experiences in records management and archives? The study seeks to highlight the importance of investing in the similarities between the two experiences in order to serve workers and specialists in the field in particular, and the field of records and archive management in general. The study relies on the survey methodology by examining the two experiences and describing each experience through several points represented in origin, international standards, and electronic management of records, regional branches, and attention to oral history, private documents, conferences and exhibitions. The study community consists of the authority responsible for supervising this field in both countries, as the National Records and Archives Authority represents the authority responsible for supervising the system in the Sultanate of Oman and the Malaysian National Archives in the Federal Kingdom of Malaysia. Among the most prominent findings of the article: There is a great similarity between the two experiences in many aspects, despite the old Malaysian experience in the management of records and archives.