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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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Legal Risk Analysis in the Sharia Bank Operational System Zahrah, Alfiatun; Mardiyah, Suci; Syaipudin, Muhammad; Reza, Saru
Journal of Financial and Business Vol 1 No 2 (2025)
Publisher : Global Sustainability Research Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/jfb.v1i2.33

Abstract

This study analyzes legal risks in the operational system of Islamic banks, with the aim of identifying factors that can affect legal compliance and their implications for the stability of Islamic banking. Islamic banks operate based on sharia principles as stated in national regulations and fatwas of the National Sharia Council (DSN), so that potential legal risks can arise due to inconsistencies in products and services with sharia provisions, changes in regulations, and lack of legal understanding by stakeholders. This study uses a qualitative method with an analysis of Islamic banking regulations, case studies of legal disputes, and interviews with practitioners and regulators. The results of the study indicate that strengthening compliance with sharia regulations and harmonization between positive law and Islamic law are key to mitigating legal risks. In addition, increasing contract transparency, legal education for industry players, and the active role of supervisory authorities can increase the effectiveness of the operational system of Islamic banks. Thus, this study provides strategic recommendations for Islamic banks in managing legal risks in order to maintain the sustainability and trust of customers in the Islamic banking industry.
The Influence of Emotional Intelligence on the Performance of Ridan Permai Village Officials Reza, Saru; Mairiza, Diany; Kamal, Mustafa
General Multidisciplinary Research Journal Vol. 1 No. 1 (2024)
Publisher : Global Sustainability Research Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/general.v1i1.3

Abstract

Introduction: This research aims to explore and analyze the influence of emotional intelligence on the performance of village officials in Ridan Permai. Emotional intelligence is measured through aspects such as emotion recognition, emotion management, self-motivation, empathy, and social skills. Methods: This research used a survey to collect data which was distributed directly to Ridan Permai village officials at random. This research used the Slovin approach in determining the sample size and obtained 60 respondents who could be used for research. The simple linear regression analysis method is used to test the research hypothesis, then to test the research instrument using product moment for validity testing and Cronbach alpha for reliability testing, while testing classical assumptions using normality, multicollinearity, and heteroscedasticity tests. Results:  The results of this research show that emotional intelligence has a positive effect on the work of Ridan Permai village officials. Conclusion and suggestion: These findings can be the basis for developing training and coaching programs aimed at increasing the emotional intelligence of village officials, with the hope of improving the quality of services and management at the village level. The practical implications of this research can support policymakers and stakeholders in optimizing the role of Ridan Permai village officials by increasing their emotional intelligence.
Persepsi Konsumen Terhadap Keinginan Pembelian Produk Halal Di Kota Pekanbaru Reza, Saru; Hasda, Mifta; Syaipudin, Muhammad; Rizky, Syafnur Muhammad
General Multidisciplinary Research Journal Vol. 1 No. 2 (2024)
Publisher : Global Sustainability Research Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/general.v1i2.10

Abstract

Introduction: This research aims to analyze consumer perceptions regarding their desire to purchase halal products in Pekanbaru City. In the era of globalization and increasing awareness of the importance of halal products, understanding the factors that influence consumer desires is very important. Methods: This research uses a quantitative approach with survey methods. The survey was conducted on 204 respondents who were randomly selected from various areas in Pekanbaru City. Data was collected using a questionnaire. Data analysis was carried out using descriptive analysis and analyzed simply based on the highest indicator value of the variable being observed. Results: This research shows that the majority of respondents in Pekanbaru City have good knowledge about the latest halal logo from BPJPH and BPJPH's authority in managing halal certification. Respondents also felt that halal labeling was very helpful in making product purchasing decisions, and they tended to choose products labeled halal even though the price was more expensive. Quality standards, quality, and halal guarantees are the main considerations in purchasing products. Conclusion and Suggestions: This research concludes that consumers in Pekanbaru City pay great attention to knowledge about halal logos and certification authorities in choosing halal products. The halal label is considered to guarantee product quality, and consumers are willing to pay more for products labeled halal. Producers and marketers are advised to increase information and education about halal products, maintain brand quality and reputation, and ensure products have clear and reliable halal certification.
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.
Pelatihan Desain Kemasan Produk Yang Menarik Bagi Pelaku UMKM Kampar Syaipudin, Muhammad; Reza, Saru; Hidayat, Hidayat
Journal of Community Service and Empowerment Vol. 1 No. 1 (2024)
Publisher : Global Sustainability Research Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/jcse.v1i1.22

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 Reza, Saru; Syaipudin, Muhammad; Mairiza, Diany; Hasda, Mifta; Mardiyah, Suci
Journal of Community Service and Empowerment Vol. 1 No. 1 (2024)
Publisher : Global Sustainability Research Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/jcse.v1i1.26

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.
Improving Islamic Financial Literacy of Students of PPMTI Tanjung Berulak through a Participatory Education Program Based on Counseling Hasda, Mifta; Reza, Saru; Hidayat, Hidayat; Assyifa, Zubaidah; 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.v2i2.55

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.
Pengaruh Label Halal dan Harga dalam Keputusan Pembelian Produk Makanan dan Minuman Hasda, Mifta; Winario, Mohd; Reza, Saru
Multidisciplinary Journal of Religion and Social Sciences Vol. 3 No. 1 (2026): Januari 2026
Publisher : EL-EMIR Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/mjrs.v3i1.433

Abstract

This study aims to analyze the effect of halal labeling and price on purchasing decisions for food and beverage products among students of the Faculty of Islamic Studies at Universitas Pahlawan Tuanku Tambusai. The study employs a quantitative approach using a survey method to obtain objective empirical data. The research sample consists of 28 respondents selected through purposive sampling, with the criteria of active students who have previously purchased packaged food and beverage products. Data were collected through the distribution of questionnaires using a five-point Likert scale to measure respondents’ perceptions of the research variables. The collected data were then analyzed using multiple linear regression analysis with the assistance of SPSS version 22. The results indicate that halal labeling has a positive and significant effect on purchasing decisions, while price does not have a significant partial effect. However, simultaneously, halal labeling and price have a significant effect on purchasing decisions for food and beverage products. These findings confirm that the halal aspect is the main consideration for students in determining purchasing decisions compared to the price factor.
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 Rizky, Syafnur Muhammad S Sari Sari, Efti Novita Suci Mardiyah Wahyu Febri Ramadhan Sudirman Zahara, Alfiatun Zahrah, Alfiatun Zubaidah Assyifa