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All Journal Al-Ittihad: Jurnal Pemikiran dan Hukum Islam Jurnal Bisnis Kompetitif JIFTECH: Journal Of Islamic Financial Technology Sharing: Journal Of Islamic Economics, Management And Business Money: Journal of Financial and Islamic Banking CARE: Jurnal Pengabdian Multi Disiplin Journal of Economic, Management, Business, Accounting Sustainability Journal Of Community Sustainability General Multidisciplinary Research Journal Profetik Jurnal Ekonomi Syariah Journal Of Legal Sustainability (JOLS) Multidisciplinary Journal of Religion and Social Sciences (MJRS) Journal of Community Service and Empowerment
Diany Mairiza
Universitas Pahlawan Tuanku Tambusai
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education 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.
Analisis Dampak Penerapan Sistem Informasi Manajemen Terhadap Kinerja Organisasi Di Era Digital Solekha, Nadira; Khairi, Rifqil; Mairiza, Diany
Journal of Economic, Management, Business, Accounting Sustainability Vol. 2 No. 3 (2025): Agustus 2025
Publisher : EL-EMIR Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/joembas.v2i3.189

Abstract

This study aims to analyze the impact of implementing Management Information Systems (MIS) on organizational performance in the digital era. The main focus is to explore how MIS can enhance operational efficiency, decision-making processes, and the quality of organizational services. This research employs a literature review method by examining various sources and references related to MIS implementation across different types of organizations. The analysis process involves comparing previous studies, relevant information systems theories, and applicable case studies. This approach seeks to provide a comprehensive overview of the impact of MIS implementation on organizational performance. The findings indicate that MIS implementation significantly improves operational efficiency, accelerates decision-making, and enhances customer service. However, MIS implementation also poses challenges, such as high implementation costs and dependence on technology, which can be risky if not properly managed. Therefore, the success of MIS implementation largely depends on management commitment, human resource readiness, and appropriate technology selection.
Implementasi Akad Salam Dalam Pembiayaan Sektor Pertanian Oleh Bank Syariah Nurmaini, Nurmaini; Winario, Mohd; Mairiza, Diany
Journal of Economic, Management, Business, Accounting Sustainability Vol. 2 No. 3 (2025): Agustus 2025
Publisher : EL-EMIR Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/joembas.v2i3.291

Abstract

The implementation of the Salam contract in agricultural financing by Islamic banks in Indonesia serves as an alternative financing method aligned with Sharia principles. The Salam contract is a type of sale in which payment is made in advance, while the goods are delivered at a later date. This model is highly relevant in the agricultural context, as farmers require working capital before the harvest period. This study focuses on how Islamic financial institutions apply the Salam contract to support the agricultural sector, starting from the identification of farmers' needs, determination of price and product specifications, payment mechanisms, to the distribution of agricultural products. The challenges faced by Islamic banks in implementing the Salam contract include commodity price fluctuations, crop failure risks, uncertainty in harvest time, and limited risk management capacity. Furthermore, this study evaluates the extent to which the Salam contract instrument can address farmers' needs for fast, easy, and interest-free (riba-free) financing, as well as its contribution to enhancing national agricultural productivity.
Pengaruh Pendayagunaan Zakat Produktif Program Satu Keluarga Satu Sarjana Dalam Meningkatkan Kesejahteraan Mustahik Pada Baznas Kabupaten Kampar Mairiza, Diany; Widiarsih, Dwi; Winario, Mohd; Rahmawati, Rahmawati; Assyifa, Zubaidah
Journal of Economic, Management, Business, Accounting Sustainability Vol. 2 No. 3 (2025): Agustus 2025
Publisher : EL-EMIR Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/joembas.v2i3.292

Abstract

This research aims to measure how much influence the productive zakat utilization of the one poor family one graduate program has in improving the welfare of mustahik at BAZNAS Kampar Regency. The method used was descriptive quantitative with a simple linear regression model Y=a+bX+e, involving 49 respondents as a sample. Data was collected through a questionnaire to obtain data on This can be seen from the results of the T test (partial) with a significance value of 0.001, which is smaller than 0.05, so that the hypothesis H1 is accepted, indicating that there is a positive and significant influence. In addition, the R square value of 0.535 shows that the utilization of productive zakat for one poor family, one graduate program is 53.5% of the welfare level of mustahik, while the rest is influenced by other variables.
Edukasi Praktik Akad-Akad Syariah Di Sekolah Luar Biasa Negeri Bangkinang Assyifa, Zubaidah; Mairiza, Diany; Rahmawati, Rahmawati; Irmawanti, Irmawanti; Delia, Dwi Anisa
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.v2i3.346

Abstract

This community service activity was carried out in Kampar Regency, Riau Province, with the target of the program being the State Special Needs School (SLBN) in Bangkinang Kota District. The main objective of this activity was to introduce and socialize the practice of Sharia contracts (akad) to students with special needs at the school. The program was designed to help students understand the basic principles of Islamic economics through a simple and interactive approach. The results showed positive outcomes, marked by the achievement of the targeted number of participants, fulfillment of the program’s objectives, completion of the planned material, and the participants’ ability to comprehend the content delivered. Furthermore, the success of this activity was also reflected in the high enthusiasm and satisfaction of the participants. The facilitators provided clear explanations, allowed sufficient time for questions, and the students were able to respond well to the questions asked. The main benefit gained by the participants was improved knowledge and understanding of Islamic economic principles, particularly those related to Sharia contracts.
Tinjauan Hukum Islam Terhadap Implementasi Akad Mudharabah Di Perbankan Syariah Modern Delia, Dwi Anisa; Winario, Mohd; Mairiza, Diany
Multidisciplinary Journal of Religion and Social Sciences Vol. 2 No. 4 (2025): Oktober 2025
Publisher : EL-EMIR Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/mjrs.v2i4.235

Abstract

The implementation of the Musyarakah contract in business capital financing within Islamic banking in Indonesia plays a crucial role in supporting economic growth based on sharia principles. Through a qualitative approach and case studies on several leading Islamic banks, the research shows that Musyarakah is an effective profit-sharing financing instrument, capable of increasing business capital while strengthening the partnership between banks and customers. However, there are several challenges that need to be addressed, such as the complex management of business risks, the need for transparency in profit distribution, and ensuring that financing practices comply strictly with sharia regulations. To optimize the implementation of the Musyarakah contract, Islamic banks need to enhance their risk management capabilities and provide more intensive education to customers so they better understand the profit-sharing mechanism. Additionally, consistency in applying sharia principles is a crucial factor to ensure the sustainability and trustworthiness of Musyarakah-based financing. These findings contribute significantly to the development of more effective and sustainable sharia financing in Indonesia’s banking sector.
Analisis Implementasi Akad Musyarakah Dalam Pembiayaan Modal Usaha Pada Perbankan Syariah Di Indonesia Putri, Elen Sri Ega; Winario, Mohd; Mairiza, Diany
Multidisciplinary Journal of Religion and Social Sciences Vol. 2 No. 4 (2025): Oktober 2025
Publisher : EL-EMIR Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/mjrs.v2i4.237

Abstract

Mudharabah is one of the fundamental forms of business partnership contracts in Islamic economic jurisprudence, established between the capital provider (shahibul maal) and the entrepreneur or business manager (mudharib). In the context of modern Islamic banking, the mudharabah contract serves as a crucial instrument for both collecting and distributing customers' funds, while also representing the values of justice, transparency, and partnership in economic activity. The implementation of mudharabah in contemporary Islamic financial institutions often faces various challenges that warrant critical examination from the normative perspective of Islamic law. This study aims to thoroughly examine how the mudharabah contract is applied in modern Islamic banking practices and to evaluate its compliance with the principles of fiqh muamalah as established by both classical and contemporary Islamic scholars. The approach used in this study is descriptive-analytical, by exploring primary sources of Islamic law (the Qur’an and Hadith), secondary sources (including ijma’, qiyas, and fatwas issued by the National Sharia Council—DSN-MUI), as well as operational practices adopted by Islamic banking institutions in Indonesia and several other Muslim-majority countries. In practice, the mudharabah contract has undergone significant modifications to align with the demands of the modern and complex banking sistem.
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.
From Tradition to Innovation: Tokenizing Dinar and Dirham for the Islamic Digital Economy Hutagalung, Muhammad Wandisyah R; Mairiza, Diany
Journal of Islamic Financial Technology Vol 3, No 2 (2024)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jiftech.v3i2.14645

Abstract

This research explores the potential and implications of tokenizing Dinar and Dirham in the context of Islamic digital finance, with a focus on the use of blockchain technology to facilitate their integration into the global financial system. The study adopts a qualitative approach, analyzing data derived from scholarly publications, online resources, and case studies from countries like the UAE and Malaysia, which are exploring blockchain-based Islamic currencies. The research examines the fundamental principles of Dinar (gold) and Dirham (silver) as intrinsic-value currencies within Islamic finance, highlighting their alignment with Sharia principles such as transparency, fairness, and the prohibition of riba (interest). Furthermore, the study explores the concept of tokenization, its application in the digital economy, and its potential to offer stable, inflation-free payment solutions.Key findings indicate that tokenized Dinar and Dirham can enhance financial inclusion, promote economic stability, and provide an alternative to volatile fiat currencies. Blockchain technology is identified as an effective platform for supporting these tokenized currencies, ensuring transparency, security, and decentralization in compliance with Sharia law. However, the research also identifies several challenges, including regulatory uncertainties, technological scalability issues, and societal resistance to adopting digital currencies. Drawing on case studies, the research highlights the importance of clear regulatory frameworks, technological advancements, and financial literacy programs to support the widespread adoption of tokenized Islamic currencies.The study concludes with policy recommendations aimed at addressing these challenges, emphasizing the need for a collaborative approach involving regulators, financial institutions, and technology providers. Future research directions include exploring the practical implementation of tokenized Dinar and Dirham and examining consumer behavior and the broader economic impact of these digital currencies. This research contributes to the growing discourse on Islamic digital finance and offers insights into how tokenized Dinar and Dirham can potentially reshape the future of finance in Muslim-majority countries. Keywords: Tokenization, Dinar, Dirham, Blockchain, Islamic Finance, Digital Currency, Sharia Compliance.
Co-Authors Amalia, Nala AMELIA, NUR Avilla Veronica Ayu Pani Budi Azwar Delia, Dwi Anisa Devi Afriani Dinata, Shidiq Ramdan Dwi Widiarsih Elisa Amanda Eti Eti Harahap, Nurintan Muliani Hidayat Hidayat Hidayat Hidayat Hutagalung, Muhammad Wandisyah R Irmawanti, Irmawanti Juliana Yulianti Lismawati, Lismawati Lukina, Teresa Maini, Nur Mardiyah, Suci Merry Meilany Mifta Hasda Mohd. Winario Muhammad Hafiz Muhammad Syaipudin Muhammad Zakir Mustafa Kamal Nilam Erman Nurhamidah, Eva Nurmaini Nurmaini Putri, Berliana Putri, Elen Sri Ega Rahmawati, Rahmawati Ramadhan, Al Insani Mutiara Rifqil Khairi Saru Reza Solekha, Nadira Wahyu Febri Ramadhan Sudirman Zubaidah Assyifa