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All Journal International Journal of Electrical and Computer Engineering Jurnal Manajemen Teori dan Terapan Management and Economics Journal (MEC-J) eCo-Buss Jurnal Teknik Industri Terintegrasi (JUTIN) Muhammadiyah Riau Accounting and Business Journal International Journal on Social Science, Economics and Art International Journal of Education, Social Studies, And Management (IJESSM) Journal of Indonesian Economy and Business Journal of Islamic Economics Lariba Journal of Artificial Intelligence and Digital Business Prosiding Seminar Nasional Manajemen dan Ekonomi Sharing: Journal Of Islamic Economics, Management And Business Money: Journal of Financial and Islamic Banking CARE: Jurnal Pengabdian Multi Disiplin Dedikasi: Jurnal Pengabdian Pendidikan dan Teknologi Masyarakat Journal of Digital Community Services Journal Of Community Sustainability General Multidisciplinary Research Journal Journal of Financial and Business Journal of Community Service and Empowerment Dedikasi: Jurnal Pengabdian Pendidikan dan Teknologi Masyarakat JES-TM Social and Community Service
Wahyu Febri Ramadhan Sudirman
Universitas Pahlawan Tuanku Tambusai
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mechanical Engineering Public Health Social Sciences Other

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Strategies for Writing Interesting and Informative Book Reviews to Build Social Awareness Sudirman, Wahyu Febri Ramadhan; Paisal, Paisal; Rizki, Syafnur Muhammad; Arif, Muhammad
Journal of Community Service and Empowerment Vol. 2 No. 2 (2026)
Publisher : Global Sustainability Research Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63453/jcse.v2i2.60

Abstract

The development of digital technology and social media has influenced the literacy patterns of Generation Z, which tend to reduce in-depth reading habits and critical thinking skills. This condition has resulted in a low social awareness among the younger generation in responding to increasingly complex social issues. One potential critical literacy strategy to address this problem is writing book reviews, as it can train analytical skills, reflection, and the systematic delivery of ideas. However, the skill of writing engaging and informative reviews remains a challenge due to a lack of mentoring and the perception that book reviews are academic and lack context. This community service activity aims to provide training and practical guidance to Generation Z in writing critical book reviews relevant to social issues. The methods used included material delivery, interactive discussions, and review writing practice. The results of the activity demonstrated an increased understanding of the structure, techniques, and function of book reviews as a medium for social reflection. This activity is expected to foster a culture of critical literacy and strengthen Generation Z's social awareness through educational, communicative, and responsible writing.
Internalization of Islamic Moral Values in the Rehabilitation of Inmates in Narcotics Correctional Institutions Suniarti, Nining; Winario, Mohd; Reza, Saru; Sudirman, Wahyu Febri Ramadhan
Journal of Community Service and Empowerment Vol. 2 No. 2 (2026)
Publisher : Global Sustainability Research Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63453/jcse.v2i2.61

Abstract

The problem of drug abuse not only impacts legal and health aspects but also causes moral and spiritual degradation. Drug inmates generally face problems of weak self-control, low religious awareness, and a value crisis that impacts daily behavior. Therefore, correctional guidance needs to be complemented by an approach focused on strengthening morals and spirituality. This community service activity was carried out at the Class II B Rumbai Narcotics Correctional Institution in Pekanbaru with the aim of internalizing Islamic moral values ​​in the inmate development process. The objective of this activity was to instill Islamic moral values, such as honesty, responsibility, patience, discipline, self-control, and repentance, in order to shape the inmates' moral and spiritual awareness. Through internalization of these values, it is hoped that positive changes in attitudes and behavior will be sustained throughout the rehabilitation period and upon their return to society. The implementation methods included religious lectures, interactive discussions, self-reflection (muhasabah), habituation of worship, and moral-spiritual mentoring. A participatory approach was used to ensure that the rehabilitation process was not one-way but rather fostered inmates' internal awareness. Targeted outcomes include increased understanding and practice of Islamic moral values, the development of Islamic moral development modules, and the establishment of ongoing collaboration between universities and correctional institutions to support the rehabilitation and social reintegration of inmates.
Analisis Keuangan Keperilakuan: Pengaruh Financial Attitude, Digital Payment, Lifestyle, dan Financial Knowledge terhadap Financial Well-Being Masyarakat di Provinsi Riau Sari, Nana; Yohanisti, Yohanisti; Irvan, Puji Ananda; Nisyah, Habibah Tun; Sudirman, Wahyu Febri Ramadhan
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 5 No. 1 (2026): Februari - April
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v5i1.6105

Abstract

Penelitian ini bertujuan menganalisis pengaruh financial attitude, digital payment, lifestyle, dan financial knowledge terhadap financial well-being masyarakat di Provinsi Riau. Penelitian menggunakan pendekatan kuantitatif dengan desain cross-sectional. Data dikumpulkan melalui kuesioner daring terhadap 270 responden pengguna pembayaran digital dan dianalisis menggunakan metode PLS-SEM dengan bantuan SmartPLS. Hasil penelitian menunjukkan bahwa financial attitude, digital payment, financial knowledge, dan lifestyle berpengaruh positif dan signifikan terhadap financial well-being. Variabel financial knowledge memiliki pengaruh paling kuat dibandingkan variabel lainnya. Temuan ini menunjukkan pentingnya sikap, pengetahuan keuangan, serta pemanfaatan teknologi pembayaran digital secara bijak dalam meningkatkan kesejahteraan keuangan masyarakat.  
Problems of Musyarakah Account Management in the MSME Sector: A Case Study of Obstacles to Transparency of Customer Financial Reports Arif, Muhamamd; Sudirman, Wahyu Febri Ramadhan
Journal of Financial and Business Vol 2 No 2 (2026)
Publisher : Global Sustainability Research Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63453/jfb.v2i2.64

Abstract

This study aims to analyze the problems of Musharakah account management in the Micro, Small, and Medium Enterprises (MSMEs) sector, with a primary focus on constraints regarding customer financial report transparency. As a profit and loss sharing financing instrument, Musharakah relies heavily on the accuracy of real profit reporting, yet its implementation is often hindered by information asymmetry. The research method employed is library research with a qualitative approach, synthesizing data from scientific literature and official financial authority reports within the last ten years. The results indicate that transparency issues are rooted in the low accounting literacy of MSME actors, leading to the inconsistent application of the Financial Accounting Standards for Micro, Small, and Medium Entities (SAK EMKM). This condition triggers moral hazard risks in the form of inaccurate profit reporting, which impacts high monitoring costs and Non-Performing Financing (NPF) risks for Islamic banking. Logical interpretation of the findings suggests that digital transformation through cloud-based accounting systems is a strategic solution to create real-time cash flow monitoring. The study concludes that standardizing financial reporting and integrating information technology are absolute prerequisites for building trust in Musharakah partnerships and enhancing MSME accountability within the Islamic financial ecosystem.
The Effect of The Profit-Sharing System on Customers’ Interest in Islamic Banks Ramadhan, Al Insani Mutiara; Sudirman, Wahyu Febri Ramadhan
Journal of Financial and Business Vol 2 No 2 (2026)
Publisher : Global Sustainability Research Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63453/jfb.v2i2.68

Abstract

This study aims to analyze the effect of the profit-sharing system on customers’ interest in Islamic banks. The profit-sharing system is a fundamental characteristic that distinguishes Islamic banking from conventional banking and plays an important role in attracting customers who seek financial services based on sharia principles. This research employs a quantitative approach using primary data collected through questionnaires distributed to Islamic bank customers. The sampling technique used is purposive sampling, with respondents selected based on specific criteria relevant to the research objectives. Data analysis is conducted using statistical methods to examine the relationship between the profit-sharing system and customers’ interest. The results indicate that the profit-sharing system has a positive and significant effect on customers’ interest in Islamic banks. This finding suggests that a transparent, fair, and well-implemented profit-sharing mechanism can enhance customers’ willingness to use Islamic banking products. Therefore, Islamic banks are encouraged to continuously improve the implementation and communication of the profit-sharing system in order to strengthen customer interest and competitiveness in the banking industry. banking sector.
The Role of Microfinance in Driving MSME Growth: Challenges and Opportunities Amidst Economic Uncertainty Mardiyah, Suci; Sudirman, Wahyu Febri Ramadhan
Journal of Financial and Business Vol 2 No 1 (2025)
Publisher : Global Sustainability Research Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63453/jfb.v2i1.70

Abstract

This study aims to analyze the role and effectiveness of microfinance in improving the resilience and performance of Micro, Small, and Medium Enterprises (MSMEs) amidst uncertain economic dynamics. MSMEs contribute significantly to Gross Domestic Product (GDP) and employment, but still face various obstacles, particularly in access to formal financing, limited capital, and low financial literacy. This study uses a library research method with a qualitative approach. Data were obtained through searching and analyzing various literature sources such as scientific journals, books, research reports, and official documents relevant to the topic of microfinance and MSME development. Data were analyzed descriptively and analytically to identify patterns of findings, research gaps, and conceptual synthesis related to the effectiveness of microfinance. The results of the study indicate that microfinance plays a significant role in improving capital access, productivity, and the sustainability of MSME businesses. In addition, support for the digitalization of financial services and innovation in financing models contribute to expanding financial inclusion. However, financing effectiveness is strongly influenced by factors such as financial literacy, managerial capacity, and adequate policy support. This study concludes that microfinance serves not only as a credit instrument but also as an economic empowerment strategy capable of sustainably strengthening the resilience of MSMEs.
Analysis of Investment Strategy and Effectiveness of Risk Diversification in Property Investment Andini, Bunga; Mardiyah, Suci; Sudirman, Wahyu Febri Ramadhan
Journal of Financial and Business Vol 2 No 1 (2025)
Publisher : Global Sustainability Research Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63453/jfb.v2i1.73

Abstract

Property investment is one of the most popular long-term investment instruments due to its potential to generate stable income and achieve asset value appreciation over time. As a tangible asset, property is often perceived as relatively secure compared to financial assets; however, it is not free from risk. Property investment is exposed to various uncertainties, including market volatility, fluctuations in economic conditions, location-specific risks, regulatory changes, and relatively low liquidity compared to other investment instruments. These risk factors may negatively affect investment performance if not properly managed. Therefore, a comprehensive analysis of property investment risk is essential to support informed investment decision-making. One effective approach to managing investment risk is portfolio diversification, which involves allocating funds across different asset classes to reduce dependence on a single source of return. Diversification aims to minimize unsystematic risk while optimizing the overall risk–return trade-off of the portfolio. Integrating property assets into a diversified investment portfolio can provide benefits such as income stability, inflation hedging, and risk reduction due to low correlation with certain financial assets. This study emphasizes the importance of analyzing the effectiveness of risk diversification in investment portfolios that include property assets.
Co-Authors Adams, Ravi Afrinis, Nur Alfiatun Zahara Amalia, Fazilla Amalia, Nala AMELIA, NUR Amrina, Dania Hellin Andhini, Bunga Andi Irfan, Andi Andini, Bunga Anggun Pratiwi Anggun Pratiwi Arif Mudi Priyatno Arif, Muhamamd Aryadi Aryadi Aryadi Aryadi Aviandita , Reyngga Yusvika Berliana Putri Bunga Andhini Cahyani, Binda Rahma Cholidhazia, Putri Despira, Despira Diany Mairiza Eti, Eti Faridatus Suhadak Firmananda, Fahmi Iqbal Firmanda, Fahmi Iqbal Fitriyana, Rinda Hastuty, Milda Hayu Ardina Hermawanti, Sela Hermawati, Sela Hidayat Hidayat Hidayat Hidayat Irmawanti, Irmawanti Irvan, Puji Ananda Izzah, Aqidatul Jati, Putri Zulia Lasepa, Wanda Lismawati, Lismawati M. Halim, M. M. Zaim Maini, Nur Mardiyah, Suci Maretha Ika Prajawati Martini, Aldini Nofta Maziyah, Putri Maslahatul Mifta Hasda Mohd. Winario Muhammad Arif Muhammad Ikhsan Alif Muhammad Syaipudin Muhammad Zakir Muhammad Zakir Nadhirah, Ayu Nala Amelia Nisyah, Habibah Tun Noranisa, Noranisa Nur Afrinis Nuraziza, Sania Nurnasrina Nurnasrina PAISAL PAISAL Raden Mohamad Herdian Bhakti Raja Joko Musridho Ramadhan, Al Insani Mutiara Ravi Adams Riani Riani, Riani Rifqil Khairi Rinancy, Hariyet Rinda Fithriyana Riski, Muhamamd Risya Khaerun Nisa Risya Khaerun Nisa Rizki, Syafnur Muhammad Rizky, Syafnur Muhammad Rizqi, Eka Roshifita Rizqon Jamil Farhas Rusnedy, Hidayati Saadah , Nila Sagena, Basir Sari, Efti Novita Sari, Nana Saru Reza Sasmitandia, Kienna Candra Siahaan, Nur Halimah Suci Mardiya Suci Mardiyah Suniarti, Nining Supardi Supardi Syafiq, M Rizan Syaipudin, Muhamamd Tanjung, Lailatul Syifa Yohanisti, Yohanisti Yuni Siswanti Yusup Yusup Zahara, Alfiatun Zahrah, Alfiatun Zubaidah Assyifa