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All Journal International Journal of Education, Social Studies, And Management (IJESSM) Journal of Artificial Intelligence and Digital Business Money: Journal of Financial and Islamic Banking CARE: Jurnal Pengabdian Multi Disiplin Finest : Jurnal Riset dan Pengembangan Ekonomi Islam Journal Of Community Sustainability General Multidisciplinary Research Journal Multidisciplinary Journal of Religion and Social Sciences (MJRS) Journal of Financial and Business Journal of Community Service and Empowerment
Saru Reza
Universitas Pahlawan Tuanku Tambusai
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Health Professions Languange, Linguistic, Communication & Media Public Health Social Sciences Other

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The Role of Sharia Banking in Building Micro Business in Indonesia Zahara, Alfiatun; Andini, Bunga; Sudirman, Wahyu Febri Ramadhan; Reza, Saru
International Journal Of Education, Social Studies, And Management (IJESSM) Vol. 4 No. 2 (2024): The International Journal of Education, Social Studies, and Management (IJESSM)
Publisher : LPPPIPublishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52121/ijessm.v4i2.258

Abstract

This research aims to provide a better understanding of how Sharia banking can contribute to the development of micro-businesses in Indonesia. The research method used is the literature research method or literature review. This method focuses on the analysis and synthesis of written works that are relevant to the research topic being investigated. The results of this research show that Sharia banking has a significant role in building micro businesses in Indonesia. Islamic banking can be an effective partner in helping micro-businesses grow and develop in Indonesia. This article focuses on the role of Islamic banking in building micro businesses in Indonesia. Although the role of Islamic banking in developing micro-businesses is well known, this research provides a better understanding of the real contribution of Islamic banking in forming an ecosystem that supports the growth and sustainability of micro-businesses in Indonesia, as well as highlighting the challenges and obstacles faced by Islamic banking in building micro businesses in Indonesia. Indonesia. This article provides important implications for Sharia banking, government, financial institutions, and society in creating an environment that supports the growth and sustainability of micro-businesses in Indonesia.
Penerapan Qardul Hasan Di Koperasi Syariah Sman 1 Bangkinang Kota Assyifa, Zubaidah; Winario, Mohd; Hasda, Mifta; Reza, Saru; Zakir, Muhammad; Lismawati, Lismawati; Amelia, Nur
Multidisciplinary Journal of Religion and Social Sciences Vol. 2 No. 1 (2025): Januari 2025
Publisher : EL-EMIR Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/mjrs.v2i1.120

Abstract

This study aims to analyze the implementation of qardhul hasan in the Sharia Cooperative of SMAN 1 Bangkinang City as a form of financing that is in accordance with sharia principles. Qardhul hasan is a sharia financial product in the form of an interest-free loan that aims to help cooperative members in need. The research method used is a qualitative descriptive approach, with data collection techniques in the form of in-depth interviews, observations, and document studies. Data analysis was carried out through data reduction, data presentation, and drawing conclusions. The results of the study indicate that the implementation of qardhul hasan in the Sharia Cooperative of SMAN 1 Bangkinang City is in accordance with sharia principles. The loan provision procedure is carried out by considering the eligibility and repayment ability of members, and is equipped with a simple administrative mechanism. In addition, the implementation of qardhul hasan has a positive impact on cooperative members, such as helping urgent needs without burdening interest, and increasing solidarity and a sense of responsibility among members. However, several challenges such as limited funds and member awareness in repaying loans on time need further attention.
Pelatihan Desain Kemasan Produk Yang Menarik Bagi Pelaku UMKM Kampar Muhammad Syaipudin; Saru Reza; Hidayat Hidayat
Journal of Community Service and Empowerment Vol. 1 No. 1 (2024)
Publisher : Global Sustainability Research Institute

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Abstract

Attractive product packaging design training for Micro, Small, and Medium Enterprises (MSMEs) was carried out to increase the competitiveness of local products by improving the quality of packaging. Product packaging functions as a protector and an important marketing tool in building brand image and attracting consumer interest. This training provides knowledge and skills to MSMEs in designing aesthetic, functional packaging that follows product characteristics and target markets. Through a practical approach, the training succeeded in increasing participants' understanding of the importance of packaging in business strategy. The training results showed an increase in the visual quality of the packaging produced by the participants, as well as a positive impact on their product sales. In addition, this training also facilitated the formation of collaborative networks among MSMEs, which can support their sustainable business growth. In conclusion, this training contributed significantly to increasing the competitiveness of MSMEs and is expected to be a model for MSME development programs in the future.
Urgensi Konsep dan Teori Uang dalam Islam bagi Siswa SMK IT AL-Izhar Pekanbaru Saru Reza; Muhammad Syaipudin; Diany Mairiza; Mifta Hasda; Suci Mardiyah
Journal of Community Service and Empowerment Vol. 1 No. 1 (2024)
Publisher : Global Sustainability Research Institute

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Abstract

This community service program aims to improve students' understanding of the concept and theory of Islamic finance. This research is motivated by the need to equip the younger generation with in-depth knowledge of financial management following Islamic principles, in order to face economic challenges in the future. The methods used in this program include a participatory and educational approach, with the main activities being interactive learning sessions, financial planning simulations, and group discussions. This program improves students' understanding of the principles of Islamic finance, such as the prohibition of usury, gharar, and maysir. Students not only gain theoretical knowledge but also practical skills in managing finances through Islamic teachings. The positive impacts felt include changes in students' attitudes towards financial management, increased collective awareness of the importance of Islamic financial literacy, and strengthening relationships between students, teachers, and parents. Overall, this program has succeeded in achieving its main objective, which is to equip students with the knowledge and skills to apply Islamic financial principles in their lives, and is expected to contribute to the formation of a financially intelligent young generation committed to Islamic values.
Edukasi Dhuafa Mart Dalam Pengembangan Ekonomi Syariah Lokal Di Air Tiris Winario, Mohd; Reza, Saru; Priyatno, Arif Mudi; Putri, Elen Sri Ega
Journal of Community Sustainability Vol. 2 No. 1 (2025): Maret 2025
Publisher : EL-EMIR INSTITUTE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/jocs.v2i1.155

Abstract

This community service activity aims to improve public understanding of sharia economics through education conducted at Dhuafa Mart, Air Tiris. Dhuafa Mart is a sharia-based economic business that not only functions as a trading center, but also as a means of empowering the poor community. Through this education program, the community is given an understanding of the concept of halal transactions, Islamic financial management, and sharia-based business strategies that can be applied in micro and small businesses. The methods used in this activity are stages of socialization, training, and mentoring for managers and local business actors. Data and evaluation of the success of the program are carried out through observation, interviews, and questionnaires to education participants. The results of the activity show that the education provided has a positive impact on increasing public understanding of the principles of sharia economics and its application in daily businesses. In addition, this program also encourages active community participation in developing sustainable sharia-based businesses. As a recommendation, there needs to be strengthening of synergy between Dhuafa Mart and sharia financial institutions and local governments to provide further support in developing sharia-based businesses.
Dhuafa Mart's Strategy in Popularizing the Concept of Sharia Buying and Selling Reza, Saru; Assyifa, Zubaidah; Sudirman, Wahyu Febri Ramadhan; Cahyani, Binda Rahma; Hermawanti, Sela
Journal of Community Service and Empowerment Vol. 1 No. 2 (2025)
Publisher : Global Sustainability Research Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/jcse.v1i2.41

Abstract

This community service was carried out at Dhuafa Mart Air Tiris with the main target being consumers who shop there. This activity aims to improve consumer understanding of the concept of sharia-based buying and selling. The method used in this activity is an interactive discussion, where consumers are explained the principles of sharia buying and selling, followed by a question and answer session to deepen their understanding. The activity results show that consumers who participate in this program gain increased knowledge about transactions that follow Islamic sharia principles. Furthermore, the delivery of the material is expected to encourage consumers to implement sharia buying and selling practices in their daily economic activities. By implementing sharia principles in transactions, it is hoped that a fairer, more transparent trading environment will be created, and will provide benefits for consumers and the management of Dhuafa Mart.
Implementasi Edukasi Ekonomi Syariah Pada Siswa SMK IT Al-Izhar Pekanbaru Zakir, Muhammad; Mairiza, Diany; Syaipudin, Muhammad; Hidayat, Hidayat; Reza, Saru; Hasda, Mifta
Journal of Community Sustainability Vol. 2 No. 2 (2025): Juni 2025
Publisher : EL-EMIR INSTITUTE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/jocs.v2i2.166

Abstract

This community service is carried out for SMK IT Al Izhar Pekanbaru students, the purpose of this community service is to determine the level of understanding of SMK IT Al Izhar Pekanbaru students about the development of Islamic banks in Indonesia. The methods used in this community service activity are counseling, presentations and discussions. The results of the community service show that: The community service program for SMK IT Al Izhar Pekanbaru students can be organized well and run smoothly according to the activity plan that has been prepared, the results of this community service concluded that: First, SMK IT Al Izhar Pekanbaru students' understanding of the development of Islamic banks in Indonesia varies, some already understand, some are still hesitant, some even do not understand, Second, The achievement of the objectives of the community service program for SMK IT Al Izhar Pekanbaru students, the entire program that has been carried out with collaboration between business owners and community service workers has been carried out all and in accordance with the event rounddown and the time that has been determined previously.  
Pelatihan Peningkatan Literasi Keuangan Syariah Pada Siswa SMA IT Al-Utsaimin Bangkinang Khairi, Rifqil; Mairiza, Diany; Hasda, Mifta; Hidayat, Hidayat; Reza, Saru; Syaipudin, Muhammad
Journal of Community Sustainability Vol. 2 No. 2 (2025): Juni 2025
Publisher : EL-EMIR INSTITUTE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/jocs.v2i2.167

Abstract

This community service is carried out for SMA IT Al Utsaimin Bangkinang students, the purpose of this community service is to find out about Sharia Contract Education and the Development of Sharia Economics for SMA IT Al Utsaimin Bangkinang students. The methods used in this community service activity are counseling, presentations and discussions. The results of the community service show that: The community service program for SMA IT Al Utsaimin Bangkinang students can be organized well and run smoothly according to the activity plan that has been prepared, the results of this community service concluded that: First, SMA IT Al Utsaimin Bangkinang students, some already understand, some are still hesitant, some even do not understand, Second, The achievement of the objectives of the community service program for SMA IT Al Utsaimin Bangkinang students, the entire program that has been carried out with collaboration between business owners and community service workers has been carried out all and in accordance with the event rounddown and the time that has been determined previously.
Edukasi Akad-Akad Syariah Dan Perkembangan Ekonomi Syariah Pada Siswa SMA IT Al Utsaimin Zakir, Muhammad; Hasda, Mifta; Hidayat, Hidayat; Reza, Saru; Mardiyah, Suci
Journal of Community Sustainability Vol. 2 No. 3 (2025): September 2025
Publisher : EL-EMIR INSTITUTE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/jocs.v2i3.269

Abstract

This community service program was carried out for students of SMA IT Al Utsaimin Bangkinang with the main objective of providing education on Islamic contracts (akad-akad syariah) and the development of Islamic economics. This activity is considered important since students’ understanding of the basic concepts of Islamic economics varies, thus requiring systematic efforts through non-formal learning outside the classroom. The methods used in this activity included counseling, presentations, and interactive discussions. The counseling sessions aimed to provide a basic understanding of the principles of Islamic contracts, presentations were used to showcase the development of Islamic economics in Indonesia and globally, while the discussions allowed students to ask questions and clarify their understanding of the material delivered. The results of the activity indicated that the community service program was successfully implemented and carried out in accordance with the planned schedule. In general, students showed great enthusiasm in participating, although their levels of understanding differed. Some students already had a good grasp of Islamic contract concepts, some were still uncertain, and others had not yet fully understood the material. The achievement of the program’s objectives can be considered positive since all activities were successfully conducted with the support of collaboration between the school, the facilitators, and the business owners involved
Literasi Tentang Transaksi Jual Beli Yang Sesuai Dengan Nilai-Nilai Islam Pada Siswa PPMTI Tanjung Berulak Kec. Kampar Khairi, Rifqil; Reza, Saru; Hidayat, Hidayat; Hasda, Mifta; Arif, Muhammad; Amalia, Nala
Journal of Community Sustainability Vol. 2 No. 3 (2025): September 2025
Publisher : EL-EMIR INSTITUTE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/jocs.v2i3.326

Abstract

This community service activity was conducted at Pondok Pesantren Madrasah Tarbiyah Islamiah (PPMTI) Tanjung Berulak under the theme “Introduction to Islamic Finance as a Solution for Managing Finances in an Islamic Way.” The aim was to provide 12th-grade students with a basic understanding of Islamic finance concepts and their implementation, particularly through financial institutions such as Islamic banks. Preparations for the activity included coordination with the pesantren, development of materials, and creation of supporting media. The material was delivered through a lecture method, followed by an interactive discussion session that allowed students to ask questions and gain deeper understanding. The results of the activity showed an increase in students’ understanding and enthusiasm for applying Islamic financial principles in their daily lives. This activity not only provided direct benefits but is also expected to shape students into agents of change who promote Islamic financial practices within their communities and contribute to the creation of a more Islamic and prosperous society.
Co-Authors Agus Susanto Amalia, Nala AMELIA, NUR Andhini, Bunga Andini, Bunga Arif Mudi Priyatno Cahyani, Binda Rahma Diany Mairiza Hermawanti, Sela Hidayat Hidayat Hidayat Hidayat Lismawati, Lismawati Mardiyah, Suci Mifta Hasda Mohd. Winario Muhammad Arif Muhammad Romi Muhammad Syaipudin Muhammad Zakir Mustafa Kamal Putri, Elen Sri Ega Ramadhan, Al Insani Mutiara Rifqil Khairi Rinda Fithriyana Riski, Muhamamd Rizki, Syafnur Muhammad S Sari Sari, Efti Novita Suci Mardiyah Suci Mardiyah Syafnur Muhammad Rizky Wahyu Febri Ramadhan Sudirman Zahara, Alfiatun Zahrah, Alfiatun Zubaidah Assyifa