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All Journal Jurnal Manajemen Teori dan Terapan Indonesian Journal of Islamic Educational Management JMM (Jurnal Masyarakat Mandiri) Jurnal Al Himayah Jurnal At-Tarbiyat (Jurnal Pendidikan Islam) Al-Amwal EKONOMIKA SYARIAH : Journal of Economic Studies Instructional Development Journal Al-Muqayyad Jurnal Teknik Industri Terintegrasi (JUTIN) Jurnal Pengabdian Masyarakat Multidisiplin Jurnal Ilmu Ekonomi dan Bisnis Islam Islamic Business and Finance (IBF) International Journal of Educational Review, Law And Social Sciences (IJERLAS) EKONOMIKA SYARIAH : Journal of Economic Studies Journal of Artificial Intelligence and Digital Business Innovative: Journal Of Social Science Research Prosiding Seminar Nasional Manajemen dan Ekonomi Sharing: Journal Of Islamic Economics, Management And Business Money: Journal of Financial and Islamic Banking CARE: Jurnal Pengabdian Multi Disiplin IIJSE Dedikasi: Jurnal Pengabdian Pendidikan dan Teknologi Masyarakat Journal of Economic, Management, Business, Accounting Sustainability Journal of Digital Community Services Journal Of Community Sustainability Journal Of Legal Sustainability (JOLS) Multidisciplinary Journal of Religion and Social Sciences (MJRS) JPS (Jurnal Perbankan Syariah) Journal of Community Service and Empowerment Dedikasi: Jurnal Pengabdian Pendidikan dan Teknologi Masyarakat
Mohd. Winario
Universitas Pahlawan Tuanku Tambusai, Bangkinang, Indonesia
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Journal : Al-Muqayyad

 1 
Penerapan Manajemen Risiko untuk Meningkatkan Kinerja Industri Perbankan di Indonesia Erman, Nilam; Winario, Mohd.
AL-Muqayyad Vol. 7 No. 1 (2024): Al-Muqayyad
Publisher : STAI Auliaurrasyidin Tembilahan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46963/jam.v7i1.1847

Abstract

This research aims to determine the implementation and control of risk management in the banking industry in Indonesia. This study uses a qualitative method. The results of this research indicate that the application of risk management in the banking industry must be implemented considering the increasing number of types of crime in the banking world. The application of risk management in the banking industry must be adjusted to the objectives, business policies, size and complexity of the business and the capabilities of the bank itself. Business complexity is the diversity of product transactions/business networks. Meanwhile, bank capabilities include financial capabilities, supporting infrastructure and human resource capabilities. How to manage risk management in the banking industry can be carried out with several efforts, including determining risks, weighing risks, observing and controlling these risks.
Strategi peningkatan usaha kecil mitra bank wakaf mikro Fataha Kampung Maredan Barat Kecamatan Tualang Kabupaten Siak Winario, Mohd; Yasra, Dewi; Asnawi, Mizan
AL-Muqayyad Vol. 8 No. 1 (2025): Al-Muqayyad
Publisher : STAI Auliaurrasyidin Tembilahan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46963/jam.v8i1.2487

Abstract

Micro Waqf Bank was established to facilitate access for low-income communities to obtain Sharia-based business financing in a fast, simple, and interest-free manner. This study aims to identify effective strategies in improving the performance of BWM partner small businesses in Maredan Barat Village. This study uses a qualitative method with a descriptive approach. Data were obtained through in-depth interviews, and observations analysis of BWM partner small business actors. SWOT analysis was used to formulate strategies for improving small businesses based on the strengths, weaknesses, opportunities, and threats faced. The results of the study indicate that the BWM program has a positive impact in the form of increased access to capital, income, and managerial skills. However, there are still obstacles in technology adoption, product diversification, and marketing network development. To overcome this, the recommended strategies include strengthening human resource capacity, utilizing digital technology, product diversification, and developing distribution networks. In conclusion, BWM Fataha plays an important role in empowering small businesses, but a more holistic and sustainable strategy is needed to improve the competitiveness of business actors at the local and regional levels.
Analisis strategi pemasaran produk cicil emas dalam meningkatkan minat nasabah pada Bank Syariah Indonesia Kota Pekanbaru Erman, Nilam; Winario, Mohd.
AL-Muqayyad Vol. 8 No. 2 (2025): Al-Muqayyad
Publisher : STAI Auliaurrasyidin Tembilahan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46963/jam.v8i2.3167

Abstract

Cicil Emas is an Islamic investment product that facilitates gold ownership through an installment system based on the murabahah contract. This study aims to analyze the marketing strategy of Bank Syariah Indonesia (BSI) for the Cicil Emas product and to examine its influence on customer interest in Pekanbaru City. A descriptive qualitative method was employed, with data collected through in-depth interviews, observation, and document analysis involving informants from the bank's internal divisions (marketing and financing) as well as customer users and non-users of the product. The findings indicate that BSI's marketing strategy encompasses digital education, social media promotion, community-based outreach, and collaboration with religious figures. Factors influencing customer interest include the perceived value of gold investment, payment flexibility, transparency of the sharia contract, and social influence. This strategy is assessed as moderately effective in enhancing customer understanding and interest, despite obstacles such as the low level of Islamic financial literacy among some community segments. In conclusion, BSI's marketing strategy aligns with sharia principles and contributes to building public trust in the Cicil Emas product.
Co-Authors Adityawarman Hidayat Aisyah, Puji Nur Amalia, Nala AMELIA, NUR Aminin, Risti Andini, Bunga Anggiani, Mei Dinda Arif Mudi Priyatno Ayu Pani Berliana Putri Berliana Putri Budi Trianto Bustanur, Bustanur Candra, Filtra Delia, Dwi Anisa Despira, Despira Dian Novita Dian Pratiwi Dianti, Ratna Diany Mailiza Diany Mairiza Dinata, Shidiq Ramdan Dwi Widiarsih Emilia Susanti Emilia Susanti Faris, Naufal Firmananda, Fahmi Iqbal Fitriyana, Rinda Harahap, Ahmad Muda Harahap, Ahmad Rofi'i HARAHAP, ISMAIL Hasgimianti Hasgimianti Hasgimianti, Hasgimianti Heni Pujiastuti Henry Martin Adriansyah Hidayat Hidayat Hidayati, Qonita Hidayatullah, Iqbal Husni Fuaddi I. Irawati Irawati Irawati Irawati Irawati Irawati Irawati Irmawanti, Irmawanti Jati, Putri Zulia Jenari, Felisa Juliana Yulianti Kamalin, Muhammad Kasman Ediputra, Kasman Khairunisa, Madona KHAIRUNISA, MADONA Larasati, Febrina Putri Lismawati, Lismawati Lubis, Haniah M. Zaim Maini, Nur Merry Meilany Mifta Hasda Miza, Rauzatul Mizan Asnawi, Mizan Muhammad Afif Muhammad Mardiansyah Muhammad Syaipudin Muhammad Zakir Muhammad Zakir Munthe, Marabona Nala Amalia Nala Amelia Nilam Erman Novriavani, Novriavani Nur Amelia NUR HASANAH Nurhamidah, Eva Nurmaini Nurmaini Putra, Aroiyan Faiz Putri, Alfira Huriyah Putri, Berliana Putri, Elen Sri Ega Putri, Ramanitya Dewi Rafiqoh, Lailan Rahmawati, Rahmawati Rahmayani, Wahyu Rantisi, Muhammad Agil Ridwan, M Sulaiman Rifqil Khairi Rinaldi Rinaldi Rinda Fithriyana Rizky, Syafnur M Rohmannudin, Rohmannudin Sari, Efti Novita Sarini, Elfi Saru Reza Simbolon, Muhammad Iran Sisda, Tiara Melfia Siti Fitriyah Suci Mardiyah Suhayanti, Suhayanti Sunelti, Detri Syahfitra, Nofri Ramadhani Syam, Zulkharil Hadi Syamsiar, Syamsiar Tanjung, Lailatul Syifa Taufik Taufik Tutia Saputri Wahyu Febri Ramadhan Sudirman Winnugroho Wiratman, Manfaluthy Hakim, Tiara Aninditha, Aru W. Sudoyo, Joedo Prihartono Yasra, Dewi Yuliani Yuliani Zubaidah Assyifa ZULFAN EPENDI