Articles
<![CDATA[Pengaruh Label Halal dan Harga dalam Keputusan Pembelian Produk Makanan dan Minuman ]]>
<![CDATA[Mifta Hasda]]>;
<![CDATA[Mohd Winario]]>;
<![CDATA[Saru Reza]]>
<![CDATA[ Multidisciplinary Journal of Religion and Social Sciences Vol. 3 No. 1 (2026): Januari 2026 ]]>
Publisher : <![CDATA[EL-EMIR Institute ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.63477/mjrs.v3i1.433
<![CDATA[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.]]>
<![CDATA[Analisis Implementasi Akad Murabahah Dalam Pembiayaan Konsumtif Di Bank Syariah ]]>
<![CDATA[Mulki Akhdan]]>;
<![CDATA[Mohd Winario]]>;
<![CDATA[Mifta Hasda]]>;
<![CDATA[Muhammad Syaipudin]]>;
<![CDATA[Rifqil Khairi]]>
<![CDATA[ Multidisciplinary Journal of Religion and Social Sciences Vol. 3 No. 3 (2026): Juli 2026 ]]>
Publisher : <![CDATA[EL-EMIR Institute ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.63477/mjrs.v3i3.554
<![CDATA[The development of Islamic financing in Indonesia has positioned the murabahah contract as the dominant instrument in consumer financing. However, its implementation still raises several issues related to ownership of goods, margin transparency, and potential procedural deviations. This study aims to evaluate the implementation of murabahah contracts in consumer financing within Islamic banking and to assess their compliance with Sharia principles and the provisions of the DSN-MUI Fatwa. The research employs a qualitative approach using an explanatory case study through literature review and normative analysis of regulations and operational practices. The findings indicate that, conceptually, murabahah contracts have been systematically implemented through mechanisms involving the bank’s purchase of goods, transparent margin determination, and installment payments agreed upon by both parties. Nevertheless, several challenges remain, including practices that tend to resemble conventional credit systems and the limited understanding of Sharia principles among some transaction participants. This study highlights the importance of strengthening Sharia supervision, improving customer literacy, and optimizing financing governance to ensure that murabahah contracts maintain integrity, fairness, and accountability within the Islamic financial system.]]>
<![CDATA[Strategi Pengembangan Kewirausahaan UMKM di Kecamatan Pelalawan ]]>
<![CDATA[Zubaidah Assyifa]]>;
<![CDATA[Mifta Hasda]]>;
<![CDATA[Muhammad Zakir]]>
<![CDATA[ Journal of Community Service and Empowerment Vol. 1 No. 1 (2024) ]]>
Publisher : <![CDATA[Global Sustainability Research Institute ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.69693/jcse.v1i1.24
<![CDATA[This community service was carried out in Pelalawan District, Pelalawan Regency, Riau Province. The objects were MSMEs in Pelalawan District as partners of the Pelalawan District Religious Affairs Office in collaboration with the Riau Province Baznas in distributing Productive Zakat from BAZNAS Riau Province. This community service aims to develop entrepreneurial skills for MSMEs so that they can develop further than before. The results of this community service indicate that: 1) The success of the target number of training participants. 2) Achievement of activity objectives. 3) Achievement of planned material targets. 4) The ability of participants to master the material. Overall, this community service activity can be said to be successful. This success, in addition to being measured by the four components above, can also be seen from the interactive dialogue between participants and the community service providers where the community service providers provide the opportunity to ask as many questions as possible and provide answers that are quite satisfactory, as can be seen from the satisfaction of the participants after participating in the activity. The benefits obtained by participants are knowledge and understanding of the development of entrepreneurial skills possessed by participants.]]>
<![CDATA[Penerapan Strategi Bisnis Berkelanjutan Sesuai Dengan Prinsip Syariah Di Dhuafa Mart ]]>
<![CDATA[Mifta Hasda]]>;
<![CDATA[Mohd Winario]]>;
<![CDATA[Hidayat Hidayat]]>;
<![CDATA[Muhammad Zaim]]>
<![CDATA[ Journal of Community Service and Empowerment Vol. 1 No. 1 (2024) ]]>
Publisher : <![CDATA[Global Sustainability Research Institute ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.69693/jcse.v1i1.25
<![CDATA[This community service aims to integrate sharia principles into sustainable business strategies to improve operational sustainability and social impact of Dhuafa Mart. The methods used include needs analysis, strategy design, training, implementation, and evaluation and adjustment. The initial needs analysis identified challenges and opportunities in existing business practices, while strategy design involved developing a plan that combined sharia principles with sustainable business practices. Training and socialization were conducted to ensure staff understanding and skills in implementing the new strategy. Implementation was carried out in stages to minimize disruption, followed by monitoring and evaluation to ensure the effectiveness and suitability of the strategy. The results of the community service showed that the strategies implemented succeeded in improving operational efficiency, strengthening customer relationships, and providing significant social benefits, including empowering the data community and protecting the environment. In conclusion, integrating sharia principles into sustainable business has proven effective. It can be used as a model for other companies, offering ethical and sustainable solutions in the context of modern business.]]>
<![CDATA[Urgensi Konsep dan Teori Uang dalam Islam bagi Siswa SMK IT AL-Izhar Pekanbaru ]]>
<![CDATA[Saru Reza]]>;
<![CDATA[Muhammad Syaipudin]]>;
<![CDATA[Diany Mairiza]]>;
<![CDATA[Mifta Hasda]]>;
<![CDATA[Suci Mardiyah]]>
<![CDATA[ Journal of Community Service and Empowerment Vol. 1 No. 1 (2024) ]]>
Publisher : <![CDATA[Global Sustainability Research Institute ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.69693/jcse.v1i1.26
<![CDATA[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.]]>
<![CDATA[The Effect of Training on Work Productivity of PDAM Tirta Kampar ]]>
<![CDATA[Mifta Hasda]]>;
<![CDATA[Zubaidah Assyifa]]>;
<![CDATA[Rifqil Khairi]]>
<![CDATA[ General Multidisciplinary Research Journal Vol. 1 No. 1 (2024) ]]>
Publisher : <![CDATA[Global Sustainability Research Institute ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.69693/general.v1i1.5
<![CDATA[Introduction: This research aims to evaluate the impact of training on employee work productivity at PDAM Tirta Kampar. Methods: This research uses a quantitative approach with simple linear regression as the analysis method. Research data was collected through a survey of PDAM Tirta Kampar employees which was conducted offline and after data screening a sample of 35 respondents was obtained which could be used in the research. Results: The research results show a significant increase in employee work productivity after participating in the training. This is reflected in increased operational efficiency, more optimal management of water resources, and improved services to the community. The analysis also shows increased employee motivation and job satisfaction, creating a more productive work environment. Conclusion and suggestion: This research provides an overview of management in integrating training concepts in the context of daily work, and the use of effective evaluation mechanisms to continue to support human resource development through targeted and planned training while ensuring continuous efforts in monitoring and evaluating its impact on the productivity and overall well-being of the organization.]]>
<![CDATA[Principles of Accounting Calculations in Sharia Banking ]]>
<![CDATA[Suci Mardiyah]]>;
<![CDATA[Syafnur Muhammad Rizky]]>;
<![CDATA[Mifta Hasda]]>;
<![CDATA[Hidayat Hidayat]]>;
<![CDATA[Wahyu Febri Ramadhan Sudirman]]>;
<![CDATA[Rinda Fithriyana]]>
<![CDATA[ General Multidisciplinary Research Journal Vol. 1 No. 2 (2024) ]]>
Publisher : <![CDATA[Global Sustainability Research Institute ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.69693/general.v1i2.8
<![CDATA[Introduction: This article aims to provide a better understanding of Accounting Principles in Islamic Banking. Methods: The research method used is the literature research method or literature review. The purpose of literature research is to understand existing understanding of a research topic, identify knowledge gaps, and provide a conceptual basis for further research. Results: The research results provide a better understanding of the calculations and accounting treatment of sharia banking products, as well as discussing the importance of compliance with Islamic sharia principles in sharia banking operations. Conclusion and suggestion: This article highlights the importance of research and a deeper understanding of calculations and accounting treatment in sharia banking products to strengthen accounting practices following sharia principles. The implication of this article is to increase understanding and awareness of sharia banking among the wider community. With a better understanding of how Islamic banking operates and how their financial products and services are managed accounting, people can make smarter financial decisions that comply with sharia principles.]]>
<![CDATA[Persepsi Konsumen Terhadap Keinginan Pembelian Produk Halal Di Kota Pekanbaru ]]>
<![CDATA[Saru Reza]]>;
<![CDATA[Mifta Hasda]]>;
<![CDATA[Muhammad Syaipudin]]>;
<![CDATA[Syafnur Muhammad Rizky]]>
<![CDATA[ General Multidisciplinary Research Journal Vol. 1 No. 2 (2024) ]]>
Publisher : <![CDATA[Global Sustainability Research Institute ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.69693/general.v1i2.10
<![CDATA[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.]]>
<![CDATA[Implementation of the Financial Inclusion Concept in the Zakat Payment System at BAZNAS Kampar Regency ]]>
<![CDATA[Mifta Hasda]]>;
<![CDATA[Saru Reza]]>;
<![CDATA[Muhammad Arif]]>;
<![CDATA[Binda Rahma Cahyani]]>
<![CDATA[ General Multidisciplinary Research Journal Vol. 2 No. 2 (2025) ]]>
Publisher : <![CDATA[Global Sustainability Research Institute ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.63453/general.v2i2.47
<![CDATA[Introduction:This study explores the implementation of inclusive zakat payment systems at the National Zakat Agency (BAZNAS) in Kampar Regency. Inclusive zakat payment aims to provide broader and easier access for muzakki (zakat payers) in fulfilling their zakat obligations, both through direct and digital channels. This initiative supports financial inclusion by integrating zakat management into accessible and innovative financial services. Methods:The research employed a qualitative approach. Data were obtained through interviews with key informants, including BAZNAS leaders in Kampar Regency, as well as secondary data from relevant literature, reports, and official documents. data analysis using the Miles and Huberman 1994 approach. The analysis focused on understanding the implementation process, accessibility, and service quality of zakat payment mechanisms. Results:The findings indicate that zakat payment access in Kampar Regency is relatively easy and affordable. Muzakki can pay zakat directly at the BAZNAS office, through nearby UPZ (Zakat Units), or via digital platforms. BAZNAS offers various zakat products tailored to the needs of the payers. Additionally, the competence and service quality of amil (zakat officers) are crucial factors influencing effective implementation. The inclusive approach has also contributed to an increase in the total amount of zakat collected in the region. Conclusion and Suggestion: The implementation of inclusive zakat payments at BAZNAS Kampar has successfully expanded access and improved the efficiency of zakat collection. To sustain and enhance these outcomes, BAZNAS is encouraged to continuously develop digital payment innovations, strengthen amil training, and promote public awareness campaigns about the benefits of zakat inclusion.]]>
<![CDATA[The Effectiveness of Microfinance Schemes in Promoting the Sustainability of Micro Enterprises in Developing Countries ]]>
<![CDATA[Bunga Andini]]>;
<![CDATA[Mifta Hasda]]>;
<![CDATA[Muhammad Syaipudin]]>
<![CDATA[ General Multidisciplinary Research Journal Vol. 3 No. 1 (2026) ]]>
Publisher : <![CDATA[Global Sustainability Research Institute ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.63453/general.v3i1.66
<![CDATA[Introduction: Micro, Small, and Medium Enterprises (MSMEs) play a strategic role in the national economy, particularly in job creation and strengthening the people's economy. However, limited access to formal financing sources remains a major obstacle hindering MSME performance. Microfinance serves as a crucial instrument for expanding financial inclusion and encouraging microenterprise development. This study aims to analyze the effect of microfinance on MSME performance. Methods: This study used a quantitative approach with a survey of 320 MSMEs who had received microfinance. Data were collected through a structured questionnaire that had been tested for validity and reliability. The sampling technique used purposive sampling, with the criteria being that respondents had received microfinance for at least one year. Data analysis was conducted using multiple linear regression to examine the effect of microfinance on MSME performance. Results: The analysis shows that microfinance has a positive and significant effect on MSME performance. Microfinance has been proven to improve business performance, as reflected in increased revenue, more efficient business management, and business sustainability. The results of the validity and reliability tests indicate that all research indicators meet the required measurement criteria, so the results of the hypothesis testing can be interpreted scientifically and reliably. Conclusion and Suggestion: This study concludes that microfinance is a significant factor in improving MSME performance. Therefore, it is recommended that microfinance institutions and policymakers not only expand microfinance distribution but also improve the quality of financing through schemes tailored to MSME needs and business mentoring support to ensure the sustainable impact of financing.]]>
