Nurizal Ismail, S.E.I, MA, PhD

Nurizal Ismail, S.E.I, MA, PhD

Ekonomi Syariah

Riset Utama yaitu Sejarah Pemikiran Ekonomi Islam dan Peradaban lainnya, Maqasid Syariah dan Ekonomi Islam




Pengabdian Masyarakat


Tanggal Publikasi: 20 Jun 2024

Use of ChatGPT to Improve Digital Enterprise Business Performance

Artificial intelligence-based technologies, such as Chat GPT, are increasingly being applied in online businesses to improve business performance in businesses. This research uses qualitative research to explore the impact of using GPT Chat on online business performance among digital business actors using a phenomenology approach. In this research, data collection was carried out using a structured interview method. The data analysis method used in this research is thematic analysis. The results of data analysis show that using ChatGPT helps complete tasks faster, makes it easier to complete tasks, helps acquire new knowledge, helps acquire new skills, helps find innovative ideas, using ChatGPT can improve your service delivery to customers, helps identify problems faced by the company, helps in making decisions for the company, helps make better quality decisions and helps make more effective decisions.


Tanggal Publikasi: 6 Jun 2024

Pengaruh Tingkat Literasi Wisata Halal, dan Perilaku Wisatawan Terhadap Minat Berwisata Halal di Provinsi Riau

This research aims to analyze the effect level of halal tourism literacy and tourist behavior towards interest in visiting halal tourism with a focus on halal tourism in Riau Province. This research uses the PLS-SEM (Partial Least Square Structural Equation Modeling) method to illustrate the results of regression analysis related to testing the relationship between independent and dependent variables. The results of this research reveal that the variables of halal tourism literacy and tourist behavior have a significant effect on interest in visiting halal tourism, which means that the better the public's literacy towards halal tourism, the better the public's attitude towards halal tourism. Vice versa, the better the public's attitude towards halal tourism, the higher the interest in visiting halal tourism. Therefore, it is important to cultivate a positive image of halal tourism to ensure halal tourism in Indonesia, especially in Riau Province.


Tanggal Publikasi: 1 Jun 2024

Analisis Komparatif Teori Konsumsi Mazhab Monzer Kahf, Abdul Manan dan Yusuf Al-Qardhawi

This study aims to compare consumption theories according to the perspectives of Monzer Kahf, Abdul Manan, and Yusuf Al-Qardhawi. It employs a formal literature review method to compare the consumption theories of these three figures, utilizing qualitative analysis of relevant literature and texts such as books, articles, and journals authored by the three thinkers. The research findings indicate that Monzer Kahf, Abdul Manan, and Yusuf al-Qardhawi have different approaches to understanding consumption in the context of Islamic economics. Monzer Kahf emphasizes the importance of consuming goods without extravagance or wastefulness and paying attention to the benefits of those goods. Abdul Manan underscores the significance of creating fair income and wealth distribution. Meanwhile, Yusuf al-Qardhawi emphasizes the importance of consuming by considering necessary needs, including spending wealth for goodness, avoiding miserliness, combating wasteful actions, and adopting a modest attitude in spending wealth. Thus, the three consumption theories according to the perspectives of Monzer Kahf, Abdul Manan, and Yusuf Al-Qardhawi share similarities in emphasizing the importance of moderate consumption, avoiding miserliness, and meeting the basic needs of individuals and society.


Tanggal Publikasi: 19 Jun 2024

Pengaruh Literasi Keuangan Syariah Terhadap Minat Menggunakan Fintech Peer to peer (P2P) Lending Syariah: Studi Kasus Masyarakat di Jabodetabek

This study aims to analyze the influence of variables such as knowledge, ability, attitude, and trust on the interest in using Shariah Peer to peer (P2P) Lending Fintech: A Case Study of Communities in Jabodetabek. The data source of this research is primary data derived from a sample of residents in Jabodetabek. Data collection was conducted by distributing questionnaires to 100 respondents. The analysis method used is Partial Least Squares Structural Equation Modeling (SEM-PLS) technique using SmartPLS.3 software. The results of this study indicate that all four variables significantly influence interest and engagement of the community in using Shariah fintech services. It emphasizes the complexity of factors influencing the adoption of Shariah financial technology.


Tanggal Publikasi: 4 Apr 2024

Analisis Pengaruh Literasi Keuangan Syariah, Religiusitas, Inflasi
Terhadap Minat Beli Cash Waqf Linked Sukuk pada Gen Z Kota Bogor

his research investigates the influence of Sharia financial literacy, religiosity, and inflation on the purchase intention of Cash Waqf Linked Sukuk (CWLS) among Generation Z in Bogor City. Using a questionnaire and Structural Equation Modeling -Partial Least Square analysis, primary data were collected from 263respondents. The results show that Sharia financial literacy and religiosity have a significant positive influence on the purchase intention of CWLS, while inflation also has a significant effect. This indicates the importance of understanding Sharia finance and levels of religiosity in enhancing the purchase intention of CWLS among Generation Z. These findings underscore the need for Sharia financial education and better religious understanding to support the growth of investments in Sharia financial instruments in the future


Tanggal Publikasi: 23 Feb 2024

The Islamic Social Finance in Poverty Alleviation: R Bibilioshiny Method Approach

The concept of Islamic social finance has gained significant attention in recent years as a tool for poverty alleviation. Islamic social finance refers to the use of Islamic financial instruments to address social and economic issues, including poverty, through zakat, infaq, shadaqah, and waqf. This research explores the application of Islamic social finance for poverty alleviation through the case study of the R Bibilioshiny program. Researchers conduct quantitative methods for data collection, primarily utilizing the Scopus database with the keyword "Islamic Social Finance on Poverty Alleviation". This research employs the R Bibilioshiny program application to process and visualize data obtained from the Scopus database. From the conceptual structure results in the thematic maps discussion, it is found that the most frequently appearing keywords closely related to the research are banking, poverty alleviation, and microfinance. This serves as a benchmark for influence, especially banking and microfinance as Islamic social finance in poverty alleviation efforts. The research finds that the R Bibilioshiny program has been successful in reducing poverty and improving the socio economic status of participants. The success of the R Bibilioshiny program highlights the potential of Islamic social finance as a tool for poverty alleviation. However, there are also challenges that need to be addressed, including the lack of awareness and understanding of Islamic social finance among the general public, and the need for more rigorous monitoring and evaluation of Islamic social finance programs to fully realize this potential, greater awareness and understanding of Islamic social finance is needed, as well as more rigorous monitoring and evaluation of Islamic social finance programs to ensure their effectiveness and sustainability.


Tanggal Publikasi: 31 Des 2023

This study intends to determine how Tazkia Islamic Institute Hafidzpreneur students actually apply the rules of Islamic consumerism when they shop online. The descriptive qualitative approach method is employed in this research. The Tazkia Islamic Institute's Hafidzpreneur Matriculation Campus students who like shopping online were interviewed for this study's primary data. The findings demonstrated that the majority of students across different batches had implemented the principles of Islamic consumption, with the class of 2020 having the highest percentage of students doing so when shopping online. Whenever it comes to shopping, students adopt sharia principles, abstain from usury, focus on maslahah (the goodness of this world and the hereafter), and direct their expenses toward Allah's way through infak, alms, and waqf. Furthermore, the students underscored the need to maintain hygiene when shopping online, steering clear of garbage (israf) and gharar when transacting online. Ethical behavior and philanthropic concepts have also been applied by students to their online purchases. This is consistent with the practical application of Islamic economics.


Tanggal Publikasi: 27 Jul 2023

Mekanisme Pasar dalam Pandangan Yahya bin Umar

The market mechanism is the tendency for supply and demand to equilibrate (i.e., prices move to the market-clearing level), so that there is neither excess demand, nor excess supply, as introduced by Adam Smith (1729-1790) and later developed by the classical economists. In the literature of the history of Islamic economic thought, there have been many studies related to the issue of market mechanisms. Al-Ghazāli and Ibn Taimiyah argued that prices can influence the quantity demanded and supplied. Yahya bin Umar (828-901 AD) also discussed market mechanisms in his book Ahkām Assūq, which is the earliest work examining economic thought on hisbah. Therefore, this study aims to understand the market mechanism according to Yahya bin Umar's views as presented in his work Ahkām Assūq. The research methodology employed is a qualitative approach using literature review and content analysis. The findings of this study state that Yahya bin Umar's perspective on the market mechanism is the process of the intersection between demand and supply, which then determines the prices and volume of desired goods through the decree of Allah Swt.


Tanggal Publikasi: 2 Mar 2024

Reexamining the Notion of Wealth Management: Insights from the Qur'an and Hadith

Populasi Muslim diproyeksikan meningkat sebesar 26% pada tahun 2030, mencapai sekitar 2,2 miliar orang patut menjadi perhatian industri keuangan Syariah. Saat ini, pasar keuangan syariah global bernilai US$ 2,2 miliar pada tahun 2021 dan diperkirakan akan mencapai valuasi US$ 3,02 miliar pada tahun 2027 dan diperkirakan akan mencatat Tingkat Pertumbuhan Tahunan Majemuk (CAGR) sebesar 10,2% selama 2022-2027. Oleh karena itu, kebutuhan pengelolaan kekayaan Islam berkembang sangat pesat. Baru-baru ini, pengelolaan kekayaan Islam atau Islamic wealth management sebagai suatu produk dan jasa adalah salah satu industri jasa keuangan baru yang muncul dan menarik banyak orang kaya untuk dikelola aset mereka dengan nilai-nilai dan prinsip-prinsip yang patuh syariah. Namun, manajemen kekayaan Islam berbeda dari konsepsi Barat tentang manajemen kekayaan dari landasan filosofis. Oleh karena itu, konsep landasan filosofis manajemen kekayaan Islam sangat penting untuk dipahami dengan baik dalam mengelola kekayaan dari perspektif Islam. Studi ini memiliki tujuan sederhana yaitu berusaha untuk mendefinisikan kembali konsep kontemporer pengelolaan kekayaan dari perspektif Islam yang berasal dari Al-Qur'an dan Hadith dan mengusulkan model konsep yang pengelolaan kekayaan dari kerangka Islam. Hasil penelitian menunjukkan bahwa manajemen kekayaan Islam, yang bersumber dari Al-Qur'an dan Hadis, berpusat pada konsep Tawhid sebagai pilar utama dan ketaatan terhadap syariah sebagai hukum yang mengatur umat Muslim. Proses manajemen kekayaan Islam meliputi dua aspek utama: penciptaan kekayaan dan pengeluaran yang terdiri akumulasi, proteksi dan distribusi kekayaan. Penciptaan kekayaan erat kaitannya dengan pencapaian tujuan pengeluaran yaitu untuk mempromosikan maqashid syariah dan mendorong keadilan serta kesejahteraan guna mencapai falah (kesuksesan dan keberhasilan baik di dunia maupun di akhirat).


Tanggal Publikasi: 31 Des 2023

Pengabdian Masyarakat Kegiatan Bersih-Bersih dan Penyuluhan Usaha Kampung di Cadasngampar oleh Mahasiswa IIUM Bersama IAI Tazkia

The community service of IIUM students in collaboration with IAI Tazkia encompasses two activities focusing on village cleanup and education in Kampung Cadasngampar. The first activity involves cleaning the village with the intention of preserving and tidying up the environment within a village or settlement. This activity goes beyond physical cleanliness, aiming to create environmental awareness and concern for the cleanliness of the surroundings. Additionally, students are also engaged in educational activities with school dropouts. The purpose of this initiative is to provide informal learning opportunities for children who have discontinued formal schooling or lack access to formal education. Through this interaction, they strive to provide education and basic skills to children, enabling them to develop their potential even without following the formal education path. This community service reflects the commitment of IIUM students and IAI Tazkia to make a positive impact on the local community, addressing both environmental cleanliness and informal education for those in need.


Tanggal Publikasi: 10 Nov 2020

Islamic wealth management and digital marketing in achieving sustainable finance

Purpose – This paper aims to analyze digital marketing's role in Islamic wealth management in achieving sustainable finance. Design/methodology/approach – The article presents an overview of Islamic Wealth Management (I.W.M.) by employing a qualitative method using document and content analysis classifying digital marketing's role on Islamic wealth management and its relationship to sustainable finance. Findings – The finding revealed that digital marketing's role in Islamic wealth management uses its elements: wealth accumulation, protection, distribution, and purification, which can engage with prospective investors and deepen the relationships with the existing clients, which is based on Islamic ethical values to achieve sustainable finance. Practical implications – The paper's importance contributes to the current theory and practice of Islamic wealth management. Practical Impact - The beneficial impact suggests I.W.M. is used in a traditional and digital approach. Originality/value – The practical implications mean I.W.M. is used in traditional and digital approaches.


Tanggal Publikasi: 1 Jan 2020

Kitab Pandemi: Dari Ta'un sampai Corona dalam Perspektif Teologi, Fikih, Sejarah, Ekonomi Syariah, dan Masa Depan Kemanusiaan

Terlepas dari dugaan pandemi bermula dari konspirasi dan akan berakhir sebagai bisnis ‘dagang obat’, melalui buku ini Anda akan tahu hakikat pandemi menurut Islam dari sejumlah sudut pandang yang berbeda, seperti teologi, fikih, sejarah, dan ekonomi syariah.

Buku ini tidak hanya memberikan jawaban terkait pertanyaan pandemi Corona: Benarkah ada kesamaan antara virus Wuhan dan Wahn? Benarkah Allah sudah lebih dulu menyebut Corona dalam Alquran? Namun juga membahas pandemi-pandemi lain sebelumnya yang meresahkan dunia, entah sebagai hikmah pengetahuan atau inspirasi pemberantasan.

Sebagaimana kitab, buku ini hadir memberikan pencerahan terkait pandemi agar tidak mudah menjadi korban hoaks, atau turut serta menyebarkan kebencian dan ketakutan.


Tanggal Publikasi: 28 Okt 2021

Developing Halal Tourism Guidance in Indonesia Based on Maqāṣid al-SharῙ’a Approach

The increase of the tourism sector in the world, including Indonesia having various lands and cultures, will captivate tourists’ attention. On the other side, with the majority Muslim population, Indonesia should keep its culture and tradition within the Islamic framework. This paper aims to develop Halal tourism in Indonesia by employing the Maqāṣid al-Sharῑa approach in four sectors: hotel, restaurant, tour, travel, and SPA. These sectors are the point of development of Halal tourism in Indonesia based on the Ministry of Tourism and Creative Economy regulation. This study explored the theories related to the five universals of Maqāṣid Al-Sharῑa, including the preservation of din (religion), life, intellect, descendants, and wealth. The analysis results indicate that if the four sectors are used in the five universals of Maqāṣid Al-Sharῑa, the implementation of Shariah tourism is about the Shariah label and the substance of the Shariah objectives. This study guides the developing halal tourism in Indonesia based on Islamic teachings, that is al-Ḍarūriyyat al-Khams on Maqāṣid Al-Sharῑa.

Meningkatnya sektor pariwisata di dunia, sebagaimana di Indonesia yang kaya akan tradisi dan budaya, akan memberikan hiburan dan pemandangan yang menarik bagi para wisatawan. Di sisi lain, Indonesia yang mayoritas penduduknya beragama Islam harus tetap menjaga budaya dan tradisinya dalam kerangka Islam. Makalah ini bertujuan untuk mengembangkan pariwisata Halal di Indonesia dengan pendekatan Maqāṣid Al- Sharῑa pada empat sektor, seperti hotel, restoran, tour and travel, dan spa, sektor-sektor tersebut merupakan titik pengembangan pariwisata Halal di Indonesia berdasarkan Kementerian Pariwisata dan Ekonomi Kreatif. Untuk mencapai tujuan penelitian ini penjagaan Maqāṣid Al-Sharῑa, yaitu pelestarian din, pelestarian nyawa, pelestarian akal, pelestarian keturunan dan pelestarian kekayaan. Hasil penelitian menunjukkan bahwa jika keempat sektor tersebut digunakan dalam lima penjagaan pada Maqasid al-Sharia, maka implementasi wisata syariah tidak hanya sekedar label syariah, tetapi juga substansi dari Maqāṣid Al-Sharῑa. Kontribusi penelitian ini memberikan pedoman untuk mengembangkan pariwisata halal di Indonesia berdasarkan ajaran Islam, yaitu berdasarkan al-Ḍarūriyyat al-Khams pada Maqāṣid Al-Sharīa.


Tanggal Publikasi: 30 Sep 2022

Decoding Islamic Wealth Management from Qur’anic Texts

Islamic wealth management is one of the new emerging financial service industries that attract many wealthy people to trust their assets managed in accordance with Islamic values and principles. Islamic wealth management is distinct from the conventional conception of wealth management from the philosophical foundation. Therefore, Islamic wealth management’s philosophical foundation is fundamental to understanding wealth management from the Islamic perspective. The paper aims to redefine the contemporary concept of wealth management from an Islamic perspective derived from the Qur’anic perspective. The finding shows that Islamic conception of wealth management from Qur’anic framework is very comprehensive that cover all philosophical foundation; ontology, epistemology, and axiology. The Islamic wealth management process contends three aspects: (1) wealth creation, (2) spending


Tanggal Publikasi: 11 Jun 2021

Sejarah pemikiran ekonomi Islam

Pada kesempatan ini kami dengan bangga menyampaikan kepada stakeholders, hasil kerjasama yang telah dilakukan antara Bank Indonesia dengan Komite Nasional Ekonomi dan Keuangan Syariah (KNEKS) dan berbagai perguruan tinggi dalam mempersembahkan buku “Sejarah Pemikiran Ekonomi Islam”. Buku ini adalah buku yang menyajikan informasi beragam pemikiran ekonomi Islam dari pemikir Islam masa awal Islam sampai dengan modern saat ini. Kelebihan buku ini bukan saja menyajikan buku dengan sangat lengkap dengan para pemikirnya, tetapi juga dilengkapi dengan analisis yang membandingkan dengan sejarah pemikiran ekonomi konvensional