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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 Syarikat : Jurnal Rumpun Ekonomi Syariah 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 Journal of Economics, Entrepreneurship, Management Business and Accounting 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 General Multidisciplinary Research Journal 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 LAN TABUR: JURNAL EKONOMI SYARIAH
Mohd. Winario
Universitas Pahlawan Tuanku Tambusai, Bangkinang, Riau, Indonesia
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Penguatan Literasi Keuangan Syariah Bagi Santri Di Pondok Pesantren Madrasah Tarbiyah Islamiyah (PPMTI) Kabupaten Kampar Muhammad Zakir; Rahmawati Rahmawati; Mohd Winario; Rifqil Khairi; Hairullah Efendi; Nur Amelia
Journal of Community Sustainability Vol. 3 No. 2 (2026): Juni 2026
Publisher : EL-EMIR INSTITUTE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/jocs.v3i2.521

Abstract

This community service activity was conducted at the Air Tiris Islamic Boarding School (PPMTI) in Kampar Regency, targeting students currently studying. The activity, themed "Strengthening Sharia Financial Literacy for Students at PPMTI in Kampar Regency," aimed to increase students' knowledge of sharia financial concepts in accordance with Islamic principles. The results of the activity showed an increase in students' understanding of sharia-compliant economic transactions after participating in the counseling. Prior to the activity, most participants had a limited understanding of the difference between sharia-compliant transactions and those containing riba (usury). Through the presentation of material, interactive discussions, and case studies relevant to everyday life, students gained a better understanding of the principles of justice, honesty, and welfare in economic activities. The counseling also succeeded in raising students' awareness to avoid riba practices and to be more selective in choosing sharia-compliant transactions. The enthusiasm of the participants throughout the activity demonstrated that the counseling was effective in improving sharia-compliant financial literacy within the Islamic boarding school environment.
Literasi Keuangan Syariah Di SMPN 2 Kec. Bangkinang Kota Zubaidah Assyifa; Mohd Winario; Wahyu Febri Ramadhan Sudirman; Nala Amalia; Nur Amelia
Journal of Community Sustainability Vol. 3 No. 2 (2026): Juni 2026
Publisher : EL-EMIR INSTITUTE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/jocs.v3i2.524

Abstract

This community service activity was conducted at SMP Negeri 2 Bangkinang Kota, Kampar Regency, Riau Province. This activity aims to socialize basic knowledge about Islamic economics to students from an early age so that they have a good understanding of Islamic economic principles in everyday life. The material presented covered the basic concepts of Islamic economics, the importance of avoiding usury practices, and the application of the values ​​of justice and honesty in economic activities. The results of the activity indicate that the implementation of the community service went well and achieved the set targets. This success was evident in the achievement of the planned number of participants, the achievement of the activity objectives, the delivery of all materials according to plan, and the increased ability of participants to understand the material presented. Furthermore, participant enthusiasm throughout the activity was also very high. This was evident from the active participation of students in the discussion and question and answer sessions. The level of participant satisfaction was also quite good, as evidenced by their ability to answer the questions posed. This activity provided benefits in the form of increased student knowledge and understanding of Islamic economic principles and their application.
Al-Ḥisbah and Sharia Market Supervision: A Qualitative Study From Traders’ and Consumers’ Perspectives Henry Martin Adriansyah; Mohd Winario
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.
Determinan Minat Melamar Kerja pada Bank Syariah: Employer branding, E-Recruitment, dan Kompensasi Saru Reza; Mohd. Winario; Wahyu Febri Ramadhan Sudirman; Paisal; Hidayat
Syarikat: Jurnal Rumpun Ekonomi Syariah Vol. 9 No. 1 (2026): Syarikat : Jurnal Rumpun Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah, Fakultas Agama Islam Universitas Islam Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25299/syarikat.2026.vol9(1).29219

Abstract

Penelitian ini bertujuan menganalisis faktor-faktor yang memengaruhi minat mahasiswa Program Studi Ekonomi dan Perbankan Syariah Universitas Pahlawan Tuanku Tambusai untuk melamar pekerjaan di bank syariah. Penelitian mengenai employer branding, e-recruitment, dan kompensasi telah banyak dilakukan pada berbagai sektor, namun pengujian ketiga variabel tersebut secara simultan pada sektor perbankan syariah masih terbatas. Selain itu, karakteristik perbankan syariah yang berlandaskan nilai-nilai Islam berpotensi memengaruhi preferensi calon pelamar. Penelitian ini menggunakan pendekatan kuantitatif dengan analisis data menggunakan SPSS versi 25 dan skala Likert. Sampel penelitian berjumlah 30 mahasiswa yang dipilih melalui teknik purposive sampling dengan kriteria mahasiswa aktif berusia 18–25 tahun dan memiliki ketertarikan bekerja di perbankan syariah. Analisis dilakukan melalui uji validitas, reliabilitas, asumsi klasik, uji parsial, dan uji simultan. Hasil penelitian menunjukkan bahwa secara simultan employer branding, e-recruitment, dan kompensasi berpengaruh positif dan signifikan terhadap minat melamar kerja di bank syariah. Secara parsial, employer branding dan e-recruitment berpengaruh positif dan signifikan, sedangkan kompensasi tidak berpengaruh signifikan. Temuan ini menunjukkan bahwa citra perusahaan, reputasi, kemudahan akses, transparansi informasi, dan proses rekrutmen berbasis digital lebih menentukan minat mahasiswa dibandingkan faktor kompensasi pada tahap awal keputusan melamar kerja. Penelitian ini diharapkan menjadi masukan bagi perbankan syariah dalam menyusun strategi rekrutmen yang lebih efektif melalui penguatan employer branding dan optimalisasi sistem e-recruitment untuk menarik minat generasi muda.
Faktor-faktor pengunduran diri karyawan pada Bank Syariah Indonesia area Riau: Pendekatan fenomenologi Merry Meilany; Mohd. Winario
AL-Muqayyad Vol. 9 No. 1 (2026): Al-Muqayyad
Publisher : STAI Auliaurrasyidin Tembilahan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46963/jam.v9i1.3166

Abstract

The purpose of this study is to explore in depth the reasons behind employees' The purpose of this study is to explore in depth the reasons behind employees' resignation decisions from Islamic banks, particularly at Bank Syariah Indonesia in the Pekanbaru City area of ​​Riau. The research method used a qualitative phenomenological approach. Data were obtained through in-depth interviews with former employees who resigned voluntarily. The data analysis technique used an interpretive phenomenological analysis (IPA) approach. The results show that resignation decisions are influenced by various factors, such as work pressure, authoritative leadership, limited career development opportunities, and a mismatch between organizational culture and Islamic values. Employees feel disappointed when the principles of justice, trustworthiness, and transparency are not reflected in work practices. In addition, conflicts between personal values ​​and the search for a more spiritual meaning in life also contribute to resignation decisions. In conclusion, non-technical factors such as value mismatches are the main reasons for resignation, not solely workload or career path.
Beyond Knowledge: The Moderating Role of Investment Literacy in Biases and Irrational Investment Decision-Making Wahyu Febri Ramadhan Sudirman; Rinda Fithriyana; Mohd Winario; Nana Sari; Puji Ananda Irvan
Journal of Economics, Entrepreneurship, Management Business and Accounting Vol 4 No 4 (2026): Volume 4, Issue 4, July 2026
Publisher : CV. Sakura Digital Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61255/jeemba.v4i4.1113

Abstract

Purpose – This study investigates irrational investment behavior among individual stock investors in the Indonesian capital market, with particular attention to the role of investment literacy. Grounded in behavioral finance theory, the research examines how cognitive biases—namely availability bias, overconfidence bias, and herding bias are associated with irrational investment decision-making and assesses whether investment literacy moderates these relationships. As an additional analysis, the study also explores potential gender differences in the proposed relationships. Design/methodology/approach – This study employed a quantitative research design and utilized Partial Least Squares Structural Equation Modeling (PLS-SEM) to examine the relationships among the proposed constructs and test the moderating effects. Data were collected from 756 Indonesian stock investors through structured online and offline questionnaires. CMB preventive strategies were implemented to reduce the risk of common method bias (CMB). Findings – The results show that while investing literacy was inversely correlated with irrational investment decision-making, availability bias, overconfidence bias, and herding prejudice were favorably correlated. Additionally, the association between availability bias and irrational investment decision-making was considerably mitigated by investment literacy; a lesser relationship between availability bias and irrational investment decision-making was linked to higher levels of investment literacy. The associations between herding bias and overconfidence bias, however, were not substantially mitigated by financial literacy. There were no discernible variations between male and female investors in the structural linkages analyzed, according to the supplementary Multi-Group Analysis (MGA), indicating that the observed associations function equally across gender groups. Originality/Value – This study adds to the body of research on behavioral finance by showing that investment literacy plays a crucial boundary condition in the relationship between availability bias and irrational investment decision-making, but it has no discernible moderating effect in the relationships between herding bias and overconfidence bias. The study offers a more comprehensive understanding of the circumstances in which financial knowledge is linked to lower levels of irrational investment decision-making by incorporating cognitive biases, objective investment literacy, and an additional gender-based comparison within an emerging market setting
Konsep Gharar Dalam Transaksi Modern Dan Implikasinya Terhadap Keabsahan Akad Nur Amelia; Mohd Winario; Zubaidah Assyifa
Journal of Economic, Management, Business, Accounting Sustainability Vol. 3 No. 2 (2026): Mei 2026
Publisher : EL-EMIR Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/joembas.v3i2.482

Abstract

This study aims to analyze the concept of gharar in modern transactions and its implications for the validity of contracts from an Islamic legal perspective. Technological developments and economic digitalization have given rise to various new forms of transactions, such as e-commerce, fintech, digital investment, and online trading, which potentially contain elements of ambiguity, speculation, and uncertainty. This situation necessitates a reexamination of the application of the concept of gharar in contemporary muamalah practices. The research method used is qualitative research with a library research approach. Data were obtained through a review of classical fiqh literature, scientific journals, books, fatwas of scholars, and previous research related to gharar and modern transactions. The results show that elements of gharar are still prevalent in various modern transactions, especially those with unclear objects, prices, contract mechanisms, and high risks. This study also found that the dominant presence of gharar can render a contract invalid because it contradicts the principles of justice, transparency, and willingness in Islamic law. Therefore, a comprehensive understanding of sharia principles in modern transaction practices is necessary.
Digital Investment and the Indonesian Capital Market: A Review of Current Evidence Binda Rahma Cahyani; Wahyu Febri Ramadhan Sudirman; Mohd Winario
General Multidisciplinary Research Journal Vol. 3 No. 2 (2026)
Publisher : Global Sustainability Research Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63453/general.v3i2.90

Abstract

Introduction:The rapid advancement of information technology has accelerated the digital transformation of Indonesia’s financial sector, particularly in capital market investment activities. The emergence of digital investment platforms, online brokerage services, and financial technology applications has increased retail investor participation by improving accessibility, efficiency, and affordability. Methods:This study employed a qualitative literature review approach. Relevant studies were identified through searches in Scopus, ScienceDirect, and Google Scholar using the keywords digital investment, capital market, financial technology, online trading, retail investors, and Indonesia. The review included peer-reviewed journal articles published between 2020 and 2025. Inclusion criteria comprised studies focusing on digital investment adoption, investor behavior, financial technology, and capital market development, while duplicate articles, conference abstracts, editorials, and studies unrelated to investment activities were excluded. Following the screening process, 30 eligible articles were selected and analyzed using descriptive thematic analysis to identify recurring themes, opportunities, challenges, and research gaps. Results:The findings indicate that digital investment has significantly increased retail investor participation, improved market accessibility, enhanced trading efficiency, and supported financial inclusion in Indonesia. Nevertheless, the rapid expansion of digital investment has also heightened cybersecurity risks, information asymmetry, behavioral biases, and speculative investment practices that may influence investment decisions and market stability.Conclusion and Suggestion:Digital investment has become an important driver of Indonesia’s capital market development. However, sustainable growth requires strengthening financial literacy, enhancing investor protection, improving cybersecurity measures, and implementing adaptive regulatory frameworks. Future studies are recommended to employ empirical methods to examine the causal relationships between digital investment adoption, investor behavior, financial literacy, and capital market performance in Indonesia.
Tinjauan Hukum Islam Terhadap Implementasi Akad Mudharabah Di Perbankan Syariah Modern Dwi Anisa Delia; Mohd Winario; Diany Mairiza
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 Komparatif Penerapan Akad Wadiah Dalam Produk Tabungan Syariah Dan Dampaknya Terhadap Loyalitas Nasabah Qonita Hidayati; Mohd Winario; Rifqil Khairi
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.v2i4.236

Abstract

This study aims to conduct a comparative analysis of the implementation of the wadiah contract in savings products at several Islamic banks in Indonesia and examine its impact on customer loyalty. Wadiah is a safekeeping (deposit) contract without compensation, commonly applied in Islamic banking savings products. This research uses a descriptive qualitative approach with case studies at three prominent Islamic banks: Bank Syariah Indonesia (BSI), Bank Muamalat, and Bank Mega Syariah. Data were collected through in-depth interviews with management and customers, as well as product documentation. The results show that the application of the wadiah contract varies in terms of transparency, hibah (bonus) incentives, and treatment of customer funds. These differences significantly affect customers' perceptions of fairness, comfort, and trust, ultimately influencing varying levels of customer loyalty. This study recommends standardizing the implementation of the wadiah contract to avoid sharia ambiguity and maintain public trust in Islamic banks.
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 Binda Rahma Cahyani Budi Trianto Bunga Andini Bustanur, Bustanur Candra, Filtra Dedi Sumanto Delia, Dwi Anisa Despira, Despira Dian Novita Dian Pratiwi Dianti, Ratna Diany Mairiza Dinata, Shidiq Ramdan Dwi Anisa Delia Dwi Widiarsih Elen Sri Ega Putri Emilia Susanti Emilia Susanti Fahmi Iqbal Firmananda Faris, Naufal Fitriyana, Rinda Habibis Salam Hairullah Efendi Harahap, Ahmad Muda Harahap, Ahmad Rofi'i HARAHAP, ISMAIL Hasgimianti Hasgimianti Hasgimianti, Hasgimianti Hendri K, Hendri Heni Pujiastuti Henry Martin Adriansyah Henry Martin Adriansyah Hidayat Hidayat Hidayat Hidayat Hidayat Hidayati, Qonita Hidayatullah, Iqbal Husni Fuaddi I. Irawati Irawati Irawati Irawati Irawati Irawati Irawati Irmawanti Irmawanti Irmawanti, Irmawanti Jati, Putri Zulia Jenari, Felisa Juliana Yulianti Kamalin, Muhammad Kasman Ediputra, Kasman Khairunisa, Madona KHAIRUNISA, MADONA Larasati, Febrina Putri Lismawati Lismawati Lismawati, Lismawati Lubis, Haniah Maini, Nur Merry Meilany Mifta Hasda Miza, Rauzatul Mizan Asnawi, Mizan Muhammad Afif Muhammad Mardiansyah Muhammad Syaipudin Muhammad Zaim Muhammad Zakir Muhammad Zakir Mulki Akhdan Munthe, Marabona Nala Amalia Nala Amalia Nala Amelia Nana Sari Nilam Erman Nining Suniarti Nongliasma, Nongliasma Novriavani Novriavani Nur Amelia Nur Amelia NUR HASANAH Nurhamidah, Eva Nurmaini Nurmaini Paisal PAISAL PAISAL Puji Ananda Irvan Putra, Aroiyan Faiz Putri, Alfira Huriyah Putri, Berliana Putri, Elen Sri Ega Putri, Ramanitya Dewi Qonita Hidayati Rafida Z Rafiqoh, Lailan Rahmawati Rahmawati 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 Syafnur Muhammad Rizki Syahfitra, Nofri Ramadhani Syam, Zulkharil Hadi Syamsiar, Syamsiar Tanjung, Lailatul Syifa Taufik Taufik Tiara Aninditha Tutia Saputri Wahyu Febri Ramadhan Sudirman Yasra, Dewi Yudi Irwan Yuliani Yuliani Zafia Sarina Yoly Zubaidah Assyifa ZULFAN EPENDI