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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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Education on Sharia Financial Contracts for PDAM Tirta Kampar Employees: Edukasi Akad-Akad Keuangan Syariah pada Karyawan PDAM Tirta Kampar Winario, Mohd; Assyifa, Zubaidah; Sudirman, Wahyu Febri Ramadhan; Zakir, Muhammad; Khairi, Rifqil; Lismawati, Lismawati; Despira, Despira
Journal of Digital Community Services Vol. 1 No. 1 (2024): January
Publisher : Institute Of Advanced Knowledge and Science

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/dcs.v1i1.1

Abstract

Tujuan dari pengabdian ini adalah untuk mengedukakasi akad-akad keuangan syariah pada Karyawan PDAM Tirta Kampar. Metode yang digunakan dalam kegiatan pengabdian kepada masyarakat (PkM) ini adalah dengan cara memberikan edukasi berupa penyuluhan, diskusi dan pemahaman kepada Karyawan PDAM Tirta Kampar. Program pengabdian kepada masyarakat Karyawan PDAM Tirta Kampar ini dapat diselenggarakan dengan baik dan berjalan dengan lancar sesuai dengan rencana kegiatan yang telah disusun, hasil dari pengabdian ini disimpulakan bahwa: Pertama, Karyawan PDAM Tirta Kampar pemahaman tentang transaksi keuangan syariah beragam, ada yang sudah faham, ada yang masih ragu-ragu, bahkan ada yang belum faham, Kedua, Ketercapaian tujuan program kegiatan pengabdian kepada masyarakat Karyawan PDAM Tirta Kampar keseluruhan program yang telah dilakukan dengan kolaborasi antara pemilik usaha dan pengabdi telah dilakukan semua dan sesuai dengan roundown acara maupun waktu yang telah ditentukan sebelumnya.
Analisis Penerapan Pembiayaan Akad Murabahah Bank Rakyat Indonesia Syariah (BRI Syariah) Pekanbaru Winario, Mohd; Irawati, Irawati; Hasgimianti, Hasgimianti; Susanti, Emilia
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 3 No 1 (2020): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v3i1.723

Abstract

This research was conducted at BRI Syariah Pekanbaru, with the aim of knowing the application of murabahah financing, is it in accordance with Islamic principles or is it in accordance with the fatwa set by DSN-MUI. The sampling method of this research using snowball sampling, by interview, observation and documentation. This research uses descriptive qualitative analysis. The results can be concluded that the application of BRI Syariah Pekanbaru murabaha financing uses a tiered percentage system from each year on the principal of murabahah financing. Determination of margins is still calculated based on the BI Rate and looking at the applicable margins in other banks. The murabahah financing system at the bank can start from administrative requirements, collateral requirements, financing conditions, financing ceiling, financing period, and fees charged to customers. In determining murabahah financing margins, the rate of inflation is still used annually. If the BI rate is higher, then the margin taken by the bank of the customers will be higher also.
Sosialisasi Transaksi Ekonomi Yang Sesuai Dengan Prinsip Ekonomi Syariah Pada Siswa SMKN 1 Tapung Khairi, Rifqil; Winario, Mohd; Zakir, Muhammad; Sudirman, Wahyu Febri Ramadhan; Fitriyana, Rinda; Amalia, Nala; Irmawanti, Irmawanti
Journal of Community Sustainability Vol. 2 No. 4 (2025): Desember 2025
Publisher : EL-EMIR INSTITUTE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/jocs.v2i4.366

Abstract

This community service activity was carried out for the students of SMKN 1 Tapung Kampar, Riau Province. The purpose of this program is to provide knowledge and enhance understanding of the concept of Islamic Economics among the community, especially Generation Z, represented by the students of SMKN 1 Tapung Kampar. The methods used in this community service activity included counseling and presentations, discussions, as well as practice sessions (pre-test and post-test) for the participants. The results of this program show that the community service activities were successfully implemented and ran smoothly according to the planned schedule. The findings indicate that: First, most students of SMKN 1 Tapung Kampar do not yet have a good understanding of the concept of Islamic economics. Second, the objectives of the community service program were achieved, as all activities were conducted through collaboration between the school and the facilitators, and were carried out according to the event rundown and the predetermined schedule.
Analisis Kesesuaian Prinsip Syariah Pada Akad Dan Standar Operasional Prosedur (Sop) Pembiayaan Di Baitul Maal Wa Tamwil Islam Abdurab Pekanbaru Madona Khairunisa; Nur Hasanah; Mohd Winario
ISLAMIC BUSINESS and FINANCE Vol 6, No 1 (2025): ISLAMIC BUSINESS and FINANCE
Publisher : Universitas Islam Negeri Sultan Syarif Kasim Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24014/ibf.v6i1.37578

Abstract

This study aims to analyze the compliance of contracts and the Standard Operating Procedures (SOP) of financing at Baitul Maal wat Tamwil Islam Abdurrab (BMTIA) Pekanbaru with sharia principles. As a sharia-based microfinance institution, BMTIA plays an important role in providing financing that aligns with Islamic values, such as the prohibition of riba (usury), gharar (uncertainty), maysir (gambling), and the application of justice principles. This research employs a qualitative approach through the analysis of SOP documents. The results show that most of the financing procedures implemented by BMTIA are in accordance with sharia principles, particularly in terms of contract selection, financing mechanisms, and supervisory systems. However, there are several aspects that still need improvement, such as transparency of information to customers and monitoring of financing implementation. Therefore, this study recommends refining the SOP to ensure better alignment with sharia principles and to enhance public trust. These findings are expected to contribute to the development and supervision of Islamic microfinance institutions in IndonesiaKeywords: SOP, Financing, Sharia Principles, BMT, Usury, Sharia MicrofinanceArticle history:   
Penerapan Good Corporate Governance Dalam Peningkatan Kinerja Bank Syariah Di Indonesia Irmawanti, Irmawanti; Winario, Mohd
Journal of Economic, Management, Business, Accounting Sustainability Vol. 2 No. 4 (2025): November 2025
Publisher : EL-EMIR Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/joembas.v2i4.430

Abstract

This study aims to analyze the implementation of Good Corporate Governance (GCG) in improving the performance of Islamic banks in Indonesia. GCG is regarded as an essential element in maintaining the sustainability of Islamic banking by applying the principles of transparency, accountability, responsibility, independence, and fairness in accordance with Sharia values. The research method employed is a qualitative approach using a literature review and descriptive analysis of annual reports, GCG reports, and regulations related to Islamic banking in Indonesia. The data are systematically analyzed to identify the relationship between GCG implementation and the performance of Islamic banks, both in financial and non-financial aspects. The results indicate that consistent and effective implementation of GCG can enhance the performance of Islamic banks through strengthening internal control systems, improving the quality of managerial decision-making, and increasing the trust of customers and stakeholders. In addition, the role of the Sharia Supervisory Board is proven to be significant in ensuring compliance with Sharia principles and supporting institutional performance. This study concludes that GCG is a strategic factor in promoting the sustainable performance and competitiveness of Islamic banks in Indonesia.
Al-Ḥisbah and Sharia Market Supervision: A Qualitative Study From Traders’ and Consumers’ Perspectives Adriansyah, Henry Martin; Winario, Mohd
Jurnal Ilmu Ekonomi dan Bisnis Islam Vol 7 No 2 (2025)
Publisher : Program Studi Ekonomi Syariah, FEBI UIN Datokarama Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24239/jiebi.v7i2.387.123-136

Abstract

This study examines the role of al-ḥisbah as a market supervisory institution from the perspectives of traders and consumers, addressing the limited empirical evidence on dual-actor perspectives in contemporary Sharia markets. It focuses on the functions of al-ḥisbah in ensuring transactional fairness, preventing fraudulent practices, and upholding Sharia principles in trading activities. Using a qualitative descriptive approach, data were collected through fieldwork at the Ulul Albab Sharia Market in Kampar Regency, Indonesia, involving in-depth interviews with five traders and five consumers, participatory observation, and documentation. Data analysis followed an interactive model comprising data reduction, data display, and conclusion drawing. The findings reveal that al-ḥisbah is perceived as a moral overseer and regulator of market ethics, playing a crucial role in fostering trust between traders and consumers. Traders associate its presence with fair competition and price transparency, while consumers perceive stronger protection against fraud and product quality manipulation. Nevertheless, the implementation of al-ḥisbah faces challenges related to limited human resources, insufficient socialization, and the need to adapt supervisory mechanisms to modern trade systems. This study underscores the importance of strengthening institutional capacity and integrating digital technologies into market supervision to enhance the effectiveness and sustainability of al-ḥisbah in the digital era.
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.
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.
Pertumbuhan Ekonomi Dan Ketimpangan: Dampaknya Terhadap Kemiskinan Di Indonesia Irmawanti, Irmawanti; Winario, Mohd
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.v3i1.434

Abstract

Economic growth is one of the main indicators of a country’s development success, as it reflects increases in productive capacity and overall economic activity. However, high economic growth is not always accompanied by an equitable distribution of income. In Indonesia, economic inequality remains a structural problem that directly affects poverty levels and social welfare. This study aims to analyze the relationship between economic growth and income inequality and their impact on poverty in Indonesia. The research employs a descriptive and analytical approach using secondary data obtained from official institutions, such as Statistics Indonesia (Badan Pusat Statistik) and other relevant agencies. The findings indicate that uneven economic growth tends to widen income inequality and hinder poverty reduction. Conversely, inclusive economic growth, accompanied by a more equitable distribution of income and expanded access to economic opportunities, is proven to be more effective in reducing poverty. Therefore, development policies in Indonesia should be directed not only toward accelerating economic growth but also toward reducing inequality in order to achieve equitable and sustainable social welfare.
Relevansi Konsep Harta Bersama Dalam Kompilasi Hukum Islam Dengan Hukum Islam Paisal, Paisal; Winario, Mohd; Hidayat, Hidayat; Nongliasma, Nongliasma
Journal of Legal Sustainability Vol. 2 No. 4 (2025): Desember 2025
Publisher : EL-EMIR Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/jols.v2i4.422

Abstract

The concept of joint marital property is an important aspect of family law in Indonesia as regulated in the Compilation of Islamic Law (Kompilasi Hukum Islam/KHI). The existence of this concept is often debated in terms of its relevance to Islamic law, considering that classical fiqh does not explicitly recognize the term joint property in marriage. This study aims to analyze the relevance of the concept of joint property in the KHI to the principles of Islamic law, as well as to examine the normative and philosophical foundations of its application. The research employs a library research method with a juridical-normative approach, analyzing sources of Islamic law, statutory regulations, and the opinions of scholars and legal experts. The results indicate that although the concept of joint property is not textually mentioned in classical fiqh, its substance is consistent with the principles of justice (‘adl), public interest (maslahah), and cooperation (syirkah) in Islam. Therefore, the concept of joint property in the KHI can be viewed as a form of contextual ijtihad that is relevant to Islamic legal values and the needs of Indonesian Muslim society.
Co-Authors Adityawarman Hidayat Aisyah, Puji Nur Akhdan, Mulki 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 Dedi Sumanto 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 Hendri K, Hendri Heni Pujiastuti Henry Martin Adriansyah Hidayat Hidayat Hidayati, Qonita Hidayatullah, Iqbal Husni Fuaddi I. Irawati Irawati Irawati Irawati Irawati Irawati Irawati Irmawanti, Irmawanti IRWAN, YUDI 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 Mardiyah, Suci 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 Nongliasma, Nongliasma Novriavani, Novriavani Nur Amelia NUR HASANAH Nurhamidah, Eva Nurmaini Nurmaini PAISAL PAISAL 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 Saputra, Rio Panji Sari, Efti Novita Sarini, Elfi Saru Reza Simbolon, Muhammad Iran Sisda, Tiara Melfia Siti Fitriyah Suci Mardiyah Suhayanti, Suhayanti Sunelti, Detri Suniarti, Nining Syahfitra, Nofri Ramadhani Syam, Zulkharil Hadi Syamsiar, Syamsiar Tanjung, Lailatul Syifa Taufik Taufik Tiara Aninditha Tutia Saputri Wahyu Febri Ramadhan Sudirman Yasra, Dewi Yoly, Zafia Sarina Yuliani Yuliani Z, Rafida Zubaidah Assyifa ZULFAN EPENDI