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The Role of Religiosity in Shaping Ethical Business Behavior among MSME Actors in the Elementary School Environment of Pekanbaru City Syaipudin, Muhammad; Zakir, Muhamamd; Hidayat, Hidayat
General Multidisciplinary Research Journal Vol. 2 No. 2 (2025)
Publisher : Global Sustainability Research Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63453/general.v2i2.46

Abstract

Introduction:This research is motivated by the importance of religiosity in shaping ethical business behavior, particularly among MSMEs in Pekanbaru City's Public Elementary Schools (SDN). In the context of increasingly competitive economic development, moral and spiritual values ​​are a crucial foundation for maintaining justice and blessings in business activities. Methods:This study employed a descriptive quantitative approach with a survey method. Data were collected through offline questionnaires distributed to 66 MSME respondents within the Pekanbaru City elementary school environment from September 2023 to July 2024. The study population comprised 193 public elementary schools in Pekanbaru City, and the sample size was determined using the Slovin formula with a 10% precision. Data collected included respondent characteristics (gender, age, education level) as well as indicators of religiosity and ethical business behavior. Results:The results showed that the majority of respondents were male (73%), with a productive age group of 30–39 years (47%), and a high school education level (55%). High levels of religiosity have been shown to be positively correlated with ethical business behavior. Business actors with a good understanding and practice of religion tend to be more honest, responsible, and fair in their trading activities. Conclusion and Suggestion: This study concludes that religiosity has a significant influence on the formation of ethical business behavior among MSMEs. Religious values ​​serve as moral guidelines for conducting business in accordance with the principles of justice and blessings. Therefore, it is recommended that local governments, religious institutions, and schools collaborate in providing education and guidance on Islamic business ethics for MSMEs within the school environment.
Penguatan Pemahaman dan Kesadaran Siswa MA PPMTI Tanjung Berulak Air Tiris terhadap Prinsip Keuangan Syariah Syaipudin, Muhammad; Hasda, Miftah; Riski, Syafnur Muhammad; Mardiyah, Suci
CARE: Journal Pengabdian Multi Disiplin Vol. 3 No. 2 (2025)
Publisher : Fakultas Agama Islam Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/care.v3i2.50945

Abstract

Kegiatan pengabdian kepada masyarakat ini dilaksanakan di Pondok Pesantren Madrasah Tarbiyah Islamiah (PPMTI) Tanjung Berulak dengan tema “Peningkatan Kesadaran dan Pengetahuan Prinsip Keuangan Syariah bagi Santri PPMTI Tanjung Berulak.” Tujuan kegiatan ini adalah untuk meningkatkan dan mengukur tingkat kesadaran serta pemahaman santri terhadap prinsip-prinsip keuangan syariah. Dalam rangka mencetak generasi muda yang tidak hanya memahami nilai-nilai keislaman tetapi juga mampu menerapkan prinsip keuangan syariah, kegiatan ini memberikan edukasi mengenai konsep dasar keuangan syariah dan implementasinya dalam lembaga keuangan syariah, khususnya pada bank syariah. Metode pelaksanaan kegiatan meliputi tahapan persiapan, pelaksanaan, dan evaluasi. Tahap persiapan dilakukan melalui koordinasi dengan pihak pesantren, penyusunan materi, dan pembuatan media pembelajaran. Tahap pelaksanaan menggunakan metode ceramah dan diskusi interaktif, diikuti oleh santri kelas 12. Setelah penyampaian materi, dilakukan sesi tanya jawab untuk memperdalam pemahaman peserta. Hasil kegiatan menunjukkan adanya peningkatan kesadaran dan pengetahuan santri terhadap prinsip keuangan syariah serta meningkatnya antusiasme mereka untuk menerapkannya dalam kehidupan sehari-hari. Kegiatan ini diharapkan dapat memberikan manfaat berkelanjutan bagi para santri dan menjadikan mereka sebagai agen perubahan dalam mempromosikan keuangan syariah di lingkungan pesantren maupun masyarakat luas.
Comparative Analysis of The Benefits of Sukuk and Bonds in Indonesia Mardiyah, Suci; Zahrah, Alfiatun; Syaipudin, Muhammad; Hasda, Mifta; Sudirman, Wahyu Febri Ramadhan
Journal of Financial and Business Vol 1 No 1 (2024)
Publisher : Global Sustainability Research Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/jfb.v1i1.13

Abstract

This research aims to analyze the comparison of profits between sukuk and bonds in Indonesia, focusing on aspects such as structure, principles, and regulations, as well as the risk and profit profile of each instrument. Sukuk, which is based on Islamic sharia principles, offers the benefits of real asset ownership and profit-sharing-based income, while conventional bonds offer certainty of income through fixed interest payments. This study also discusses regulations governing the issuance of sukuk and bonds, and their impact on investment security and transparency. The analysis results show that sukuk are more attractive to investors who seek sharia compliance and stability in real assets, while bonds are more attractive to those who want income certainty and investment flexibility. This research concludes that the choice between sukuk and bonds must be adjusted to the risk profile, investment objectives, and personal preferences of each investor in Indonesia.
Development of Mutual Funds in The Indonesian Capital Market Rizky, Syafnur Muhammad; Andini, Bunga; Hasda, Mifta; Syaipudin, Muhammad; Sudirman, Wahyu Febri Ramadhan
Journal of Financial and Business Vol 1 No 1 (2024)
Publisher : Global Sustainability Research Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/jfb.v1i1.15

Abstract

This research examines the development of mutual funds in the context of the Indonesian capital market. Mutual funds have become one of the investment instruments that is increasingly popular and important in diversifying investor portfolios in Indonesia. This research aims to analyze the factors that influence the growth of mutual funds, the role of regulation in regulating the market, and the challenges faced in optimizing the potential of mutual funds as an effective and safe investment instrument. This study uses a descriptive-analytical approach by collecting secondary data from various literature sources related to the development of capital markets and mutual funds in Indonesia. The analysis results show that the growth of mutual funds is influenced by increasing public financial awareness and ease of access to information about investment products. The regulatory role carried out by the Financial Services Authority (OJK) also contributes to creating a more structured and safe investment environment for investors. However, several challenges need to be overcome, such as market fluctuations which can affect investment values, liquidity problems in several types of mutual funds, as well as expanding financial education to the public. Better regulation is needed to address these challenges and increase transparency and protection for investors.
The Role of Baitul Maal Wat Tamwil (BMT) in Community Economic Empowerment Ramadhan, Al Insani Mutiara; Zaim, Muhammad; Hermawati, Sela; Sudirman, Wahyu Febri Ramadhan; Syaipudin, Muhammad
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.v1i2.30

Abstract

This study aims to examine the role of Baitul Maal wat Tamwil (BMT) in empowering the community's economy, especially in areas with low levels of economic welfare. BMT as a sharia-based microfinance institution has two main functions: a social fund management institution (Baitul Maal) and a commercial financial institution (Baitul Tamwil). This study uses a qualitative approach with a case study method on several BMTs in the research area. Data were collected through in-depth interviews, observations, and documentation, then analyzed using thematic analysis techniques. The study results indicate that BMT has contributed to improving the community's standard of living through micro-business financing, entrepreneurship training, and management of social funds in the form of zakat, infaq, and sedekah. In addition, BMT also plays a role in strengthening the community's social capital by encouraging active participation in community-based economic activities. The obstacles BMT faces in economic empowerment include limited capital, lack of financial literacy in the community, and challenges in maintaining sharia principles amidst competition from conventional financial institutions.
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 Intellectual Intelligence on Primary School Teacher Performance Syaipudin, Muhammad; Hidayat, Hidayat
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.v1i1.6

Abstract

Introduction: This research aims to investigate the impact of intellectual intelligence on teacher performance in elementary schools. Methods: This research uses 30 surveys as the data collection method. The analytical method in this research is simple linear regression, then for testing the research instrument using product moment for validity testing and Cronbach alpha for reliability testing. Results: The results of the data analysis show that there is a significant relationship between intellectual intelligence and teacher performance. High intellectual intelligence is closely related to improving the quality of teaching and effectiveness in classroom management. Teachers who show a higher level of intellectual intelligence tend to have good adaptability to various learning challenges in elementary schools. Conclusion and suggestion: The implications of these findings can provide a deeper view of the importance of paying attention to aspects of intellectual intelligence in developing human resources in the field of education, especially to improve the quality of teacher performance. This research provides an empirical basis for teacher professional development policies and programs to increase their intellectual intelligence to provide a more optimal contribution to the learning process in elementary schools.
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.
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.