Muhammad Isa, M.E.I.

Muhammad Isa, M.E.I.

Hukum Ekonomi Syariah

Peneliti LPPM Tazkia




Pengabdian Masyarakat


Tanggal Publikasi: 10 Agt 2022

Analysis of Factors That Affect Customer Interest in Using Mobile Banking Services of Bank Syariah Indonesia 

This aims of this study is to the effect of perceived usefulness, perceived ease of use, and perceived credibility simultaneously affect customer interest in using m-banking services at Bank Syariah Indonesia. This study uses a descriptive quantitative approach. The technique used in sampling is nonprobability sampling with simple random sampling with the Slovin formula, the number of samples in this study were 96 respondents of Indonesian Islamic Bank customers at IAI Tazkia Bogor. The results found from this study are (1) there is an effect of perceived usefulness on the interest of BSI customers in Bogor City in using m-banking Bank Syariah Indonesia, (2) there is no effect of perceived ease of use on the interest of BSI customers in Bogor City in using m-banking Bank Syariah Indonesia, (3) there is an effect of perceived credibility on the interest of BSI customers in Bogor City in using m-banking Bank Syariah Indonesia, and (4) there is an effect of perceived usefulness, perceived ease of use, and perceived credibility on interest of BSI customers in Bogor City in using m-banking Bank Syariah Indonesia.

Keywords: Customer Interest, Perceived Usefulness, Perceived Ease Of Use, Perceived Credibility.




Tanggal Publikasi: 1 Jul 2023

Covid-19, Maqasid Sharia & Islamic Economic Law: VOSviewer Application

This study aims to determine the map of the development of research on the theme of Islamic economic law from the point of view of the maqashid sharia in the Covid-19 pandemic published by indexed journals. The study was conducted in November 2020. The data analyzed were more than 50 published papers. The object of study is a published journal published in 2020. The data is then processed and analyzed using the VOSviewer application program to determine the bibliometric mapping of the development of Islamic economic law research from the perspective of maqashid sharia in the Covid-19 pandemic. The results showed that the research development map of this theme was divided into 6 clusters. Cluster 1 consists of 10 topics, cluster 2 consists of 10 topics, cluster 3 consists of 8 topics, cluster 4 consists of 7 topics, cluster 5 consists of 6 topics and cluster 6 consists of 4 topics. The findings from this study indicate that the sharia economy and its instruments and products are in accordance with the maqashid sharia, all the aspect of maqashid sharia must be guarded by all parties involved in Islamic economic activities, especially the government in charge of managing state finances while maintaining a balance of prices and can be applied and this concept even become a solution during the Covid-19 pandemic, where the objectives of each sharia economic instrument become more focused and their usefulness in this field can be optimized. All economic instruments in Islam that are based on maqashid sharia are expected to be a solution that reduces the impact of the economic crisis due to the Covid-19 pandemic and can continue to be utilized in a sustainable manner.


Tanggal Publikasi: 13 Sep 2021

Bibliometric Review on Gold Currency and The Islamic Perspective

The use of gold is the beginning of the development of the monetary system in the world. The development of gold currency which has long been practiced, has undergone several evolutions from time to time. As a consequence, this evolution has implications for the development of research using gold currency. Therefore, this study aims to provide quantitative information on the development of gold currency literature. There are 917 papers in journals, books, book chapters, conference papers, and review papers indexed and indexed by the Scopus database from 1899-2021. We employed VOSViewer and Excel software to synthesize and analyze the data. This research is limited to the Scopus database related to gold currency. In addition, we find macroeconomic trend that often arise, which are related to the use of gold as a hedge and safe haven. Therefore, the author provides an overview of several studies that discuss the advantages of gold currency as the findings in this paper. In the context of gold currency, to the best of the authors’ knowledge, the bibliometric approach has not been applied previously in literature before. This study also provides an Islamic perspective on gold currency.


Tanggal Publikasi: 21 Okt 2022


The purpose of the study is to This will examine the strong influence of communication effectiveness, functional quality and technical quality on commitment to connectedness with trust as a mediating variable, the quantitative method used in this study is path analysis is used to  determine the effect of communication effectiveness, technical quality, functional quality and trust on connectedness commitment. There are 4 stages of regression; The connectedness commitment, The confidence, The functional quality And The technical quality variable. The conclusions obtained from this research are The regression coefficient which shows the relationship between communication effectiveness and connectedness commitment, The effectiveness of communication does not affect trust directly, but through the perception of technical quality and functional quality, Technical quality is also known to influence commitment to connectedness through trust, quality and trust  This shows that the perception of functional quality affects customer connectedness commitment more than technical quality and Service quality is a variable that affects trust, while effective communication will create a higher perception of service quality in the eyes of customers.


Tanggal Publikasi: 1 Des 2022

Convergence of Maqashid Syariah, Hifzul Bi’ah and Islamic Stock Index

This study aims to explore the urgency of converging the principles of environment protection and Sustainable Responsible Investment from the perspective of Maqashid Syariah into the selection process of Islamic Stock Index. In-depth analysis on current literature practices on Maqashid Syariah, hifdzul bi’ah and Islamic stock index.  The convergence of Maqashid Syariah, in particular Hifzul Bi’ah and stock index screening process will allow a creation of a new Islamic index or rejuvenating current Islamic stock index in Indonesia. We suggest that Dewan Syariah Nasional to start implementing Maqashid Syariah and Hifzul Bi’ah principle in the process of stock screening for Islamic Stock Indexes. This study is among the first of its kind to offer integration of Maqashid Syariah in particular Hifzul Bi’ah to the Islamic stock index.



Tanggal Publikasi: 17 Mar 2022

Maqashid sharia-based mosque empowerment index


This study aims to formulate an index formula for mosque empowerment based on Maqashid Syariah as a measuring tool for the level of mosque empowerment.


This study uses a qualitative and quantitative approach (mixed method). Data collection techniques are carried out by in-depth interviews with experts consisting of academics, practitioners, scholars and regulators. The data analysis technique uses the Analytical Network Process (ANP) with Super Decision 2.10 software to construct the index model structure.


The results indicate that the mosque has a multi-field role, including in the fields of worship, social, education, politics, economy and culture. This study produces an index of mosque empowerment based on Maqashid Syariah, composed of sic criteria, namely, elements of Maqashid Syariah; protect religion, soul, mind, lineage, property and environment. The weighting results of the criteria indicate that maintaining religion is the main criterion with a weighted value of 0.209. Each of these criteria consists of five indicators. Of all indicators, environmental safety is the top priority, with a weighted value of 0.056.


This study is the first comprehensive study that discusses the mosque empowerment index by weighting the ANP method to produce an index of mosque empowerment based on Maqashid Syariah.


Tanggal Publikasi: 1 Jan 2021

Meta Analysis on Mosque Economics

This study tries to review the research around the Mosques economy on reputable journal. It uses descriptive statistical analysis based on selected 103 article publications or papers related to the Mosques economy, with national and international journal. The entire sample journal publications have published for twelve years from 2009 to 2020. The Results show that mosques economy research study case is still dominated by Indonesia (76 studies), following by Malaysia (14 studies) and Bangladesh (3 studies). In addition, the average time of journal publication, between 9 and 10 years. There are at least 43 journals that published mosques economy articles with the other and zakat for focus study. Furthermore, the comparison of qualitative research (76%) is still more than the quantitative approach (14%). This study found that mosques play an essential role in building Islamic socio-economic and political civilization as a basis for supporting the development of Islamic social funds, the halal industry and BMT microfinance.