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All Journal Syarikat : Jurnal Rumpun Ekonomi Syariah International Journal of Education, Social Studies, And Management (IJESSM) Journal of Artificial Intelligence and Digital Business Sharing: Journal Of Islamic Economics, Management And 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 Journal Of Legal Sustainability (JOLS) 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 Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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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.
Analisis Pengaruh Literasi Keuangan Syariah Terhadap Keputusan Mahasiswa Dalam Menggunakan Produk Dan Jasa Perbankan Syariah Reza, Saru; Hasda, Mifta; Rizki, Syafnur Muhammad; Ramadhan, Al Insani Mutiara
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 3 (2025): Agustus - October
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i3.1705

Abstract

Penelitian ini dilakukan untuk mengetahui pengaruh literasi keuangan syariah terhadap keputusan mahasiswa jurusan ekonomi syariah dan perbankan syariah Universitas Pahlawan Tuanku Tambusai untuk menggunakan produk dan jasa di perbankan syariah. Gap pada penelitian ini ialah masih rendahnya market sharing dan literasi keuangan syariah. Jenis penelitian ini ialah penelitian kuantitatif pendekatan asosiatif (korelasi) analisis korelasi pearson dengan maksud melihat literasi keuangan syariah menjadi bagian penting dalam pengambilan keputusan mahasiswa untuk menggunakan produk dan jasa di bank syariah. Penyebaran kuesioner dilakukan menggunakan media google form kepada 30 mahasiswa. Hasil yang diperoleh menyatakan bahwa literasi keuangan syariah mahasiswa berdasarkan indikator pengetahuan, kemampuan, sikap dan kepercayaan masih belum optimal. Literasi Keuangan Syariah mahasiswa terkait pemahaman konsep keuangan syariah, produk dan jasa perbankan syariah, cara mengelola keuangan secara syariah, resiko dan manfaat menggunakan produk dan jasa perbankan syariah serta pemilihan produk dan jasa perbankan syariah yang sesuai kebutuhan, secara keseluruhan hanya dipahami oleh 63,33 persen atau 19 mahasiswa, sedangkan 36,67 persen atau 11 mahasiswa lainnya belum memahami hal tersebut. Selain itu, didapati Nilai r sebesar 0,712 dan nilai t hitung lebih besar dari t tabel pada taraf signifikansi 5% yaitu t hitung (5,373) > t tabel (2,048) yang menunjukkan bahwa variabel X dan Y dalam penelitian ini memiliki hubungan kuat, positif dan signifikan. 
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.
Peran Etika dan Hukum Bisnis dalam Mendorong Keberlanjutan Usaha Mikro, Kecil, dan Menengah Putri, Ramanitya Dewi; Reza, Saru
Journal of Legal Sustainability Vol. 2 No. 4 (2025): Desember 2025
Publisher : EL-EMIR Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/jols.v2i4.454

Abstract

This study aims to analyze the role of business ethics and law in promoting the sustainability of Micro, Small, and Medium Enterprises (MSMEs). The sustainability of MSMEs is a crucial issue given their strategic role in the national economy, yet they still face various challenges, particularly the low level of ethical implementation and compliance with business law. The research method used was a qualitative approach with library research. Data were obtained from various secondary sources, including textbooks, national and international journal articles, official agency reports, and laws and regulations relevant to business ethics, business law, and MSMEs. The collected data were analyzed using descriptive-analytical content analysis. The results indicate that business ethics plays a crucial role in shaping business behavior with integrity, increasing consumer trust, and creating harmonious working relationships, thus positively contributing to the sustainability of MSMEs. Meanwhile, business law provides legal certainty and protection that support business stability and development. The synergy between business ethics and law has proven to be a key factor in realizing MSMEs that are competitive and economically, socially, and environmentally sustainable.
Improving Islamic Financial Literacy of Students of PPMTI Tanjung Berulak through a Participatory Education Program Based on Counseling Mifta Hasda; Saru Reza; Hidayat Hidayat; Zubaidah Assyifa; Muhammad Arif
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.v2i2.55

Abstract

This community service activity was carried out at the Madrasah Tarbiyah Islamiah Islamic Boarding School (PPMTI) Tanjung Berulak with the theme "Introduction to Sharia Finance as a Solution for Islamic Financial Management through a Participatory Education Program Based on Counseling." This program aims to increase students' understanding and awareness of the concepts and practices of sharia financial management as an alternative financial management in accordance with Islamic principles. The activity is designed to equip students not only with normative Islamic knowledge, but also with the application skills in applying sharia financial principles, particularly through an introduction to the systems and products of sharia financial institutions such as Sharia Banks. The activity stages began with preparation that included coordination with the boarding school management, preparation of educational materials, and development of supporting media in the form of presentation materials. The activity was attended by grade XII students with a participatory counseling approach through interactive lectures, discussions, and questions and answers. This approach provides space for students to actively participate, explore understanding, and relate the material to the context of everyday life. The results of the activity demonstrate an increased understanding among students of the urgency of Islamic financial management, as well as a growing interest and enthusiasm for implementing Islamic financial principles in their personal and social lives. This program is expected to encourage students to become agents of Islamic financial literacy in their communities, supporting the creation of an Islamic and sustainable society.
Internalization of Islamic Moral Values in the Rehabilitation of Inmates in Narcotics Correctional Institutions Nining Suniarti; Mohd Winario; Saru Reza; Wahyu Febri Ramadhan Sudirman
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.
Education on Saving and Transactions in Accordance with Sharia Principles for Students and the Community Suci Mardiyah; Saru Reza; Hidayat Hidayat; Mohd Winario
Journal of Community Service and Empowerment Vol. 2 No. 1 (2025)
Publisher : Global Sustainability Research Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63453/jcse.v2i1.79

Abstract

Sharia financial literacy is a crucial aspect in developing healthy financial behavior in accordance with Islamic values. However, the level of public and student understanding of the concept of saving and transactions based on Sharia principles still needs to be improved. This community service activity aims to increase the knowledge, understanding, and awareness of students and the community regarding the importance of saving and transactions in accordance with Sharia principles. The activity was implemented through a participatory approach, encompassing preparation, educational outreach, interactive discussions, practical simulations, evaluation, and follow-up. The material presented covered the basic concepts of Sharia banking, the importance of saving, Sharia savings products, and the application of Sharia principles in daily financial transactions. The results of the activity showed an increase in participants' understanding of the differences between Sharia and conventional banks, the concept of profit-sharing, and the importance of avoiding transactions containing elements of riba, gharar, and maysir. Furthermore, participants demonstrated high enthusiasm throughout the activity and were more motivated to adopt savings habits and use Sharia financial services. This activity makes a positive contribution to increasing Islamic financial literacy and inclusion and encourages wiser, more responsible financial behavior that aligns with Islamic principles.
Co-Authors Agus Susanto Alfiatun Zahrah Amalia, Nala AMELIA, NUR Andini, Bunga Arif Mudi Priyatno Binda Rahma Cahyani Bunga Andhini Diany Mairiza Hidayat Hidayat Hidayat Hidayat Hidayat Irmawanti Irmawanti Lismawati, Lismawati Mardiyah, Suci Mifta Hasda Mohd. Winario Muhamamd Riski Muhammad Arif Muhammad Arif Muhammad Romi Muhammad Syaipudin Muhammad Zakir Muhammad Zakir Mustafa Kamal Nining Suniarti Paisal Paisal Paisal Putri, Elen Sri Ega Putri, Ramanitya Dewi Ramadhan, Al Insani Mutiara Rifqil Khairi Rinda Fithriyana Rizki, Syafnur Muhammad S Sari Sari, Efti Novita Sela Hermawanti Suci Mardiyah Suci Mardiyah Syafnur Muhammad Rizky Wahyu Febri Ramadhan Sudirman Zahara, Alfiatun Zubaidah Assyifa