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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
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Arts Humanities Astronomy Automotive Engineering Biochemistry, Genetics & Molecular Biology Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Immunology & microbiology Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Mechanical Engineering Medicine & Pharmacology Nursing Public Health Social Sciences Other

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Analisis Implementasi Akad Musyarakah Dalam Pembiayaan Modal Usaha Pada Perbankan Syariah Di Indonesia Elen Sri Ega Putri; 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.v2i4.237

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.
Pengaruh Label Halal dan Harga dalam Keputusan Pembelian Produk Makanan dan Minuman Mifta Hasda; Mohd Winario; Saru Reza
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; Mohd Winario
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.
Transformasi Dan Tantangan Keuangan Dan Perbankan Syariah Berliana Putri; Mohd Winario; Zubaidah Assyifa
Multidisciplinary Journal of Religion and Social Sciences Vol. 3 No. 2 (2026): April 2026
Publisher : EL-EMIR Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/mjrs.v3i2.485

Abstract

The Islamic finance and banking industry has experienced significant development in recent decades, particularly in Indonesia, the country with the largest Muslim population in the world. This growth is characterized by an increasing number of Islamic financial institutions, product innovation, and increasingly strong regulatory support. This article examines the transformation of the Islamic finance sector in the digital era, the challenges of regulation, and the opportunities for developing products and services based on Islamic principles. Using a descriptive-analytical approach, this article discusses the basic concepts of Islamic banking, its historical evolution, the variety of Islamic financial products such as profit-sharing financing and buying and selling, and the dynamics of industry development amidst technological change. The study results indicate that although the Islamic banking industry faces various challenges, such as low Islamic financial literacy, limited human resources, and intense competition with conventional banking, its growth potential remains significant. This is supported by the use of financial technology (fintech), increased financial inclusion, and increasingly conducive government policies. Therefore, innovative and collaborative strategies are needed to strengthen the competitiveness of the Islamic finance industry in the future.
Green Economy Dan Tanggung Jawab Moral Manusia Terhadap Lingkungan Dalam Perspektif Islam Bunga Andini; Mohd Winario; Rifqil Khairi
Multidisciplinary Journal of Religion and Social Sciences Vol. 3 No. 2 (2026): April 2026
Publisher : EL-EMIR Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/mjrs.v3i2.486

Abstract

The concept of green economy has developed as a development paradigm that emphasizes the balance between economic growth, environmental sustainability, and social justice amidst the global ecological crisis. From an Islamic perspective, green economy is not merely a technical approach, but also a manifestation of human moral and spiritual responsibility as caliphs on earth. Humans are required to maintain balance (mīzān), avoid damage (fasād), and ensure the sustainability of resources for future generations. This study aims to analyze the relationship between the principles of green economy and human moral responsibility within the framework of Islamic values, by integrating the Qur'an, Hadith, and maqāṣid al-sharī‘ah. The method used is a qualitative literature study from classical and contemporary sources related to Islamic economics and environmental ethics. The results of the study indicate that green economy principles such as resource efficiency, emission reduction, distributive justice, and ecosystem sustainability are in line with Islamic values, especially amanah (trust), justice (‘adl), benefit (maṣlaḥah), and the prohibition of isrāf and tabdhīr. This responsibility is both individual and collective, involving the state, economic actors, and society in realizing sustainable development.
Bisnis Dan Kewirausahaan Syariah: Prinsip, Konsep, Dan Implementasi Dalam Ekonomi Modern Lismawati Lismawati; Muhammad Zakir; Mohd Winario
Multidisciplinary Journal of Religion and Social Sciences Vol. 3 No. 2 (2026): April 2026
Publisher : EL-EMIR Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/mjrs.v3i2.487

Abstract

This article examines the concept of business and entrepreneurship from the perspective of Islamic economics as an alternative economic system based on Islamic values. This research uses a descriptive-analytical approach to outline the basic principles of Islamic business, such as the prohibition of riba (usury), gharar (gharar), and maisir (gambling), as well as the application of justice, transparency, and social responsibility in economic activities. Furthermore, this article discusses the characteristics of Muslim entrepreneurs, who are oriented not only toward profit but also toward blessings, ethics, and contributions to the welfare of the community. The study's findings indicate that Islamic business has the advantage of creating a balance between economic and social goals, thereby promoting sustainable societal welfare. In the modern economic context, the implementation of Islamic entrepreneurship faces various challenges, such as low Islamic financial literacy, limited access to capital, and global market competition. However, significant opportunities exist through regulatory support, the development of digital technology, and increasing public awareness of halal products. Therefore, strategies are needed to strengthen an innovative, inclusive, and highly competitive Islamic business ecosystem.
Nilai-Nilai Syariah Dalam Proses Penawaran: Kajian Literatur Atas Prinsip Transparansi Dan Kejujuran Hairullah Efendi; Mohd Winario
Multidisciplinary Journal of Religion and Social Sciences Vol. 3 No. 3 (2026): Juli 2026
Publisher : EL-EMIR Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/mjrs.v3i3.552

Abstract

This study aims to examine sharia values in the offering process with a focus on the principles of transparency and honesty through a literature review approach. In the perspective of Islamic economics, the offering process is not merely understood as an economic activity, but also as a form of moral responsibility that must be aligned with Islamic values. Transparency requires the disclosure of information related to product quality, pricing, and conditions, while honesty emphasizes the integrity of business actors in every transaction. These two principles serve as fundamental foundations in preventing practices such as gharar, tadlis, and fraud in muamalah. In the context of the digital era, the implementation of transparency and honesty faces new challenges due to the rapid growth of online transactions and e-commerce, thereby requiring stronger ethical commitments from business actors. The findings indicate that consistent application of sharia values has a positive impact on enhancing consumer trust and loyalty. Furthermore, transparency and honesty play a crucial role in ensuring business sustainability by building reputation, credibility, and long-term competitive advantage. Thus, sharia values in the offering process are not only normatively relevant but also strategically important in supporting the development of a just and sustainable Islamic economy.
Prinsip Distribusi dalam Islam dan Implementasinya dalam Ekonomi Modern: Kajian Literatur Habibis Salam; Mohd Winario; Muhammad Zakir
Multidisciplinary Journal of Religion and Social Sciences Vol. 3 No. 3 (2026): Juli 2026
Publisher : EL-EMIR Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/mjrs.v3i3.553

Abstract

Distribution is one of the fundamental aspects of an economic system that plays an important role in creating justice and social welfare. From the Islamic perspective, wealth distribution is not merely viewed as an economic activity, but also as part of moral and social responsibility based on the values of justice, balance, and public benefit (maslahah). The principles of distribution in Islam emphasize the prohibition of wealth concentration among certain groups, the obligation to share wealth through social instruments such as zakat, infaq, sadaqah, and waqf, as well as the requirement to conduct economic activities ethically. This article aims to examine the principles of distribution in Islam and analyze their implementation in the context of the modern economy. The method used is a literature review of relevant scientific sources, including journals, books, and academic publications. The results of the study indicate that Islamic distribution principles have strong relevance to modern economic challenges, particularly in addressing income inequality and improving social welfare. The implementation of Islamic distribution values in modern economic systems can serve as an alternative solution to creating a more just, inclusive, and sustainable economy.
Analisis Penerapan Akad Murabahah Dalam Pembiayaan Konsumtif Di Bank Syariah Mulki Akhdan; Mohd Winario; Mifta Hasda; Muhammad Syaipudin; Rifqil Khairi
Multidisciplinary Journal of Religion and Social Sciences Vol. 3 No. 3 (2026): Juli 2026
Publisher : EL-EMIR Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/mjrs.v3i3.554

Abstract

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.
Penerapan Good Corporate Governance Dalam Peningkatan Kinerja Bank Syariah Di Indonesia Irmawanti Irmawanti; Mohd Winario
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.
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