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All Journal Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) Diklat Review : Jurnal manajemen pendidikan dan pelatihan Islamic Business and Finance (IBF) JAAMTER : Jurnal Audit Akuntansi Manajemen Terintegrasi Jurnal Pengabdian Masyarakat ISEI Journal Of Legal Sustainability (JOLS)
Khairunisa, Madona
Unknown Affiliation
Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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The Synergy Of Islamic Banking And Village-Owned Enterprises (BUMDes) To Strengthen Unbankable Business Capital Nurnasrina, Nurnasrina; Putra, Popi Adiyes; Khairunisa, Madona; Lubis, Haniah; Jenita, Jenita
JAAMTER : Jurnal Audit Akuntansi Manajemen Terintegrasi Vol. 1 No. 4 (2023): JAAMTER - DESEMBER
Publisher : MUI Kota Pekanbaru

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.10408927

Abstract

This study aims to determine the synergy that can be implemented between Islamic Bank and Village Owned Enterprises (BUMDes) to strengthen unbankable business capital and to assess the application of sharia contracts toward some products provided by BUMDes. The research methodology used qualitative analysis, primary data obtained from informants, namely one branch manager of Islamic Bank of Indonesian (BSI), Pekanbaru branch and 14 BUMDes leaders in Tambang District, Kampar. The results show that first: two forms of synergy can be implemented between BSI and BUMDes to strengthen unbankable business capital, namely BSI finances through BUMDes then distributed to the unbankable micro-entrepreneurs and BSI distributes directly to the unbankable micro-entrepreneurs based on BUMDes recommendation then BSI provides a fee after BUMDes gives the guarantee, second: the application of sharia contracts toward some products supplied by BUMDes currently could use wadi`ah, mudharobah, musyarokah, murobahah, salam, istisna, ijaroh and wakalah.
EDUKASI PENERAPAN AKAD KEUANGAN SYARIAH PADA BUMDes Se KECAMATAN TAMBANG Nurnasrina, Nurnasrina; Khairunisa, Madona; Hasanah, Nur; Syamsurizal, Syamsurizal
Diklat Review : Jurnal manajemen pendidikan dan pelatihan Vol. 7 No. 3 (2023)
Publisher : Komunitas Manajemen Kompetitif

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35446/diklatreview.v7i3.1581

Abstract

Tambang District has one of the sharia financial villages, namely Kualu Nenas village, so the BUMDes of this village and other villages need to adapt their BUMDes management based on the sharia financial agreement. This service aims to identify the type of business in each BUMDes, increase the knowledge and understanding of BUMDes managers regarding sharia financial contracts, motivate them to convert to using sharia financial contracts and be able to implement sharia financial contracts in their respective BUMDes. The service method is semi participation action research (semi PAR). The service activity begins by identifying the type of business in BUMDes, providing education and literacy about sharia financial contracts, then asking participants to carry out a simulation of adjusting the appropriate contract for each type of business product in their respective BUMDes. The final stage is that the service team and participants jointly evaluate the results of the simulation whether they are in accordance with the principles of sharia financial contracts or whether they still need to be improved. The results of the service can be seen that, first: the business sectors carried out are savings and loans using a conventional financial system, rental of rice production facilities (saprodi), waserda, mini markets, electronic and motorbike credit, and gas stations. secondly, the level of understanding of BUMdes managers regarding sharia financial contracts has increased but further assistance is still needed over a longer period of time and the majority of participants strongly agree and support the implementation of sharia financial contracts in the BUMDes they manage. Third: the ability of BUMDes managers to apply sharia financial contracts to the products in their respective BUMDes is good but further guidance is still needed. Keywords: BUMDes, sharia financial contract, conversion
Edukasi Peran Istri yang Bekerja Dalam Membantu Ekonomi Keluarga Pada Ibu-Ibu Majelis Taklim Dusun V Kampung Baru Kualu khairunisa, Madona; Lubis, Haniah; Nurlaili, Nurlaili
Jurnal Pengabdian Masyarakat Isei Vol. 1 No. 1 (2023): Jurnal Pengabdian Masyarakat Isei
Publisher : ISEI Cabang Pekanbaru, Koordinator Provinsi Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46750/abdimasisei.v1i1.156

Abstract

The wife is a friend to the husband in wading through the ups and downs of household life. While the mother is the first teacher in the household madrasah for her children. However, Islam does not prohibit women from working. The wife works, her main motivation is to help her husband meet the economic needs of the family. In working the wife must pay attention to adab which must be maintained according to the view of Islamic law. The problem of family economic needs is the main problem that can often lead to disputes. BPS data shows that the economy is the second most important factor that makes a wife choose to separate. The service was carried out to the people of Dusun V Kampung Baru Kuala Kualu, in this case the women of the Taklim Assembly with a total of 22 respondents who acknowledged that the majority of household problems were due to economic problems. Apart from not having adequate steady income, most of them also do not keep records of family finances. The method is carried out through the provision of education/materials, conducting open discussions, and making an ideal family financial recording simulation.
Peran Dan Tantangan Lembaga Arbitrase Syariah Dalam Menyelesaikan Sengketa Bisnis Syariah Syahfitra, Nofri Ramadhani; Winario, Mohd; Khairunisa, Madona; Syam, Zulkharil Hadi
Journal of Legal Sustainability Vol. 1 No. 2 (2024): September 2024
Publisher : EL-EMIR Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/jols.v1i2.67

Abstract

This research examines the role and challenges faced by sharia arbitration institutions in completing sharia business settlements. As an alternative to out-of-court settlement, sharia arbitration offers a solution that complies with sharia principles and Islamic law. This research uses qualitative methods with a literature study approach and in-depth interviews with practitioners in the field of sharia arbitration. The research results show that sharia arbitration institutions play an important role in providing legal certainty and justice for disputing parties, especially in the context of sharia business. However, there are a number of challenges that hamper the effectiveness of this institution, including a lack of public understanding and trust in sharia arbitration, limited competent human resources, and regulatory constraints that do not fully support the development of this institution. Therefore, further efforts are needed to increase socialization, training and regulatory adjustments to strengthen the role of sharia arbitration institutions in completing the recovery of sharia business in Indonesia. The research results show that the Sharia Arbitration Institution plays an important role in providing dispute resolution mechanisms that are in accordance with sharia principles, maintaining the trust of sharia business actors, and reducing the burden on district courts. However, the challenges faced include a lack of public understanding and awareness about sharia arbitration, limited competent human resources, and a lack of harmonization of regulations that support the operationalization of these institutions.
Governance Transformation in Indonesia’s Banking Sector: Regulatory Pressures and Institutional Dynamics in the Conversion of Bank Riau Kepri to Islamic Banking Megawati, Devi; Khairunisa, Madona; Zulkifli, Zulkifli
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol 17, No 1 (2025)
Publisher : Faculty of Sharia and Law, UIN Syarif Hidayatullah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/aiq.v17i1.46353

Abstract

This study investigates the governance transformation underpinning the conversion of Bank Riau Kepri (BRK) into Bank Riau Kepri Syariah (BRK Syariah), focusing on the interplay between regulatory pressure, institutional dynamics, and strategic intent. Using a qualitative case study design, the analysis reveals that the conversion was driven by a combination of internal aspirations for regional economic leadership and external pressures, including regulatory encouragement and alignment with national Islamic finance roadmaps. While institutional support and political endorsement facilitated the conversion, challenges remain in harmonizing Sharia principles with operational realities, including staff capacity, legacy systems, and market adaptation. The study contributes to the growing discourse on conventional-to-Islamic bank conversion by highlighting how regulatory ecosystems, institutional inertia, and governance reform intersect in shaping the trajectory of Islamic banking transformation in Indonesia. Abstrak:Studi ini menelaah transformasi tata kelola yang mendasari proses konversi Bank Riau Kepri (BRK) menjadi Bank Riau Kepri Syariah (BRK Syariah), dengan menyoroti interaksi antara tekanan regulasi, dinamika kelembagaan, dan strategi institusional. Melalui pendekatan studi kasus kualitatif, temuan penelitian menunjukkan bahwa proses konversi dipicu oleh aspirasi internal untuk menjadi pemimpin ekonomi regional serta dorongan eksternal berupa dukungan regulatif dan sinkronisasi dengan peta jalan keuangan syariah nasional. Meskipun konversi difasilitasi oleh dukungan kelembagaan dan legitimasi politik, tantangan tetap muncul dalam menyelaraskan prinsip-prinsip syariah dengan praktik operasional, termasuk kapasitas SDM, sistem warisan, dan adaptasi pasar. Studi ini memperkaya wacana tentang konversi bank konvensional menjadi bank syariah dengan menyoroti bagaimana ekosistem regulatif, inersia kelembagaan, dan reformasi tata kelola membentuk arah transformasi perbankan syariah di Indonesia.
Analisis Kesesuaian Prinsip Syariah Pada Akad Dan Standar Operasional Prosedur (Sop) Pembiayaan Di Baitul Maal Wa Tamwil Islam Abdurab Pekanbaru Khairunisa, Madona; Hasanah, Nur; Winario, Mohd
ISLAMIC BUSINESS and FINANCE Vol 6, No 1 (2025): ISLAMIC BUSINESS and FINANCE
Publisher : Universitas Islam Negeri Sultan Syarif Kasim Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24014/ibf.v6i1.37578

Abstract

This study aims to analyze the compliance of contracts and the Standard Operating Procedures (SOP) of financing at Baitul Maal wat Tamwil Islam Abdurrab (BMTIA) Pekanbaru with sharia principles. As a sharia-based microfinance institution, BMTIA plays an important role in providing financing that aligns with Islamic values, such as the prohibition of riba (usury), gharar (uncertainty), maysir (gambling), and the application of justice principles. This research employs a qualitative approach through the analysis of SOP documents. The results show that most of the financing procedures implemented by BMTIA are in accordance with sharia principles, particularly in terms of contract selection, financing mechanisms, and supervisory systems. However, there are several aspects that still need improvement, such as transparency of information to customers and monitoring of financing implementation. Therefore, this study recommends refining the SOP to ensure better alignment with sharia principles and to enhance public trust. These findings are expected to contribute to the development and supervision of Islamic microfinance institutions in IndonesiaKeywords: SOP, Financing, Sharia Principles, BMT, Usury, Sharia MicrofinanceArticle history:   
Co-Authors Devi Megawati jenita jenita, jenita Lubis, Haniah Mohd. Winario Nur Hasanah Nurlaili Nurlaili Nurnasrina Nurnasrina Putra, Popi Adiyes Syahfitra, Nofri Ramadhani Syam, Zulkharil Hadi Syamsurizal - - Zulkifli Zulkifli