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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 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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Pengembangan Produk Perbankan Syariah untuk Menjangkau Segmen Pasar yang Lebih Luas Rantisi, Muhammad Agil; Winario, Mohd
Multidisciplinary Journal of Religion and Social Sciences Vol. 1 No. 2 (2024): Oktober 2024
Publisher : EL-EMIR Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/mjrs.v1i2.92

Abstract

The Islamic banking industry has become a key pillar in the global financial system, offering an alternative that is in line with Islamic principles and attracting interest from an increasingly wide market segment. However, to remain relevant and sustainable, Islamic banking must continue to develop products and services that meet the needs of diverse consumers. This research aims to explore the challenges and opportunities in developing sharia banking products to reach wider market segments, as well as their impact on financial inclusion and sustainable economic growth. Through a literature review and in-depth analysis, we identified key strategies in developing sharia banking products, including in-depth market research, product innovation, and cross-sector collaboration. We also evaluate the social, economic and regulatory implications of developing inclusive sharia banking products. Our findings highlight the importance of strengthening the innovation ecosystem and supporting a conducive regulatory framework to facilitate the sustainable growth of the Islamic banking industry. Thus, this research provides valuable insights for practitioners, academics and other stakeholders in understanding the dynamics of sharia banking product development in this ever-changing era.
Analisis Yuridis Penyelesaian Sengketa Konsumen Berdasarkan UU No 8 Tahun 1999 Rohmannudin, Rohmannudin; Hidayatullah, Iqbal; Winario, Mohd; Putri, Ramanitya Dewi
Journal of Legal Sustainability Vol. 1 No. 2 (2024): September 2024
Publisher : EL-EMIR Institute

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Abstract

This study aims to analyze the effectiveness of Law No. 8 of 1999 concerning Consumer Protection in resolving consumer disputes in Indonesia, and to identify the challenges faced in its implementation. This study uses a normative legal method with a statutory approach and case analysis. Data were obtained through a literature study covering primary, secondary, and tertiary legal materials, as well as an analysis of various consumer dispute cases that have been resolved through the Consumer Dispute Resolution Agency (BPSK) and the courts. The results of the study indicate that Law No. 8 of 1999 provides a clear legal framework for the protection of consumer rights. Dispute resolution through BPSK is more efficient than litigation, but there are still obstacles, such as low legal awareness among consumers and non-compliance of business actors with BPSK decisions. These challenges hinder the optimization of consumer protection. Although Law No. 8 of 1999 has functioned well in providing protection, corrective measures are needed, including increasing socialization, strengthening BPSK, and stricter law enforcement against violations. Thus, it is expected that consumer protection can be more effective and provide better justice.
Sosialisasi Dan Edukasi Ekonomi Syariah Untuk Pelajar: Fondasi Kuat Menuju Kesejahteraan Dan Keadilan Berbasis Syariah Di Sma It Al-Utsaimin Bangkinang Zakir, Muhammad; Winario, Mohd; Mairiza, Diany; Khairi, Rifqil; Irmawanti, Irmawanti
Journal of Community Sustainability Vol. 2 No. 1 (2025): Maret 2025
Publisher : EL-EMIR INSTITUTE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/jocs.v2i1.154

Abstract

This community service activity was carried out for students of SMA IT Al-Utsaimin Bangkinang, Riau Province, where the purpose of this community service is to provide provisions in increasing understanding of the concept of Sharia Economics to the community, especially generation Z of students of SMA IT Al-Utsaimin Bangkinang. The methods used in this community service activity are through counseling and presentation, discussion and practice (pretset and post test) for participants. The counseling method is used to explain the importance of knowing the concept of Sharia economics for students in order to become prosperous generations using sharia principles. The presentation method is used to show a work process, namely the stages of how we can become individuals who have a prosperous economy. While the question and answer method is used to give participants the opportunity to consult in understanding further the material that has been given. The practice method is used to see how far the participants understand the service before and after the material is delivered. The availability of adequate experts in delivering this material, the enthusiasm of the participants, and the support of the principal for the implementation of the activity are supporters of the implementation of this PPM activity. The obstacles faced are that the students do not yet have initial knowledge about the material of the concept of Islamic economics and limited time in delivering the material. The results of this service indicate that: The community service program can be organized well and run smoothly according to the activity plan that has been prepared, the results of this service concluded that: First, Most students of SMA IT Al-Utsaimin do not understand the concept of Islamic economics well, Second, The achievement of the objectives of the community service program for students of SMA IT Al-Utsaimin Bangkinang, the entire program that has been carried out with collaboration between the school and the community service have been carried out all and in accordance with the event rounddown and the time that has been determined previously.
Edukasi Dhuafa Mart Dalam Pengembangan Ekonomi Syariah Lokal Di Air Tiris Winario, Mohd; Reza, Saru; Priyatno, Arif Mudi; Putri, Elen Sri Ega
Journal of Community Sustainability Vol. 2 No. 1 (2025): Maret 2025
Publisher : EL-EMIR INSTITUTE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/jocs.v2i1.155

Abstract

This community service activity aims to improve public understanding of sharia economics through education conducted at Dhuafa Mart, Air Tiris. Dhuafa Mart is a sharia-based economic business that not only functions as a trading center, but also as a means of empowering the poor community. Through this education program, the community is given an understanding of the concept of halal transactions, Islamic financial management, and sharia-based business strategies that can be applied in micro and small businesses. The methods used in this activity are stages of socialization, training, and mentoring for managers and local business actors. Data and evaluation of the success of the program are carried out through observation, interviews, and questionnaires to education participants. The results of the activity show that the education provided has a positive impact on increasing public understanding of the principles of sharia economics and its application in daily businesses. In addition, this program also encourages active community participation in developing sustainable sharia-based businesses. As a recommendation, there needs to be strengthening of synergy between Dhuafa Mart and sharia financial institutions and local governments to provide further support in developing sharia-based businesses.
Pelatihan Kewirausahaan Untuk Meningkatkan Pendapatan Dan Kemandirian Petani Kelapa Di Desa Kedabu Rapat Winario, Mohd; Zakir, Muhammad
Journal of Community Sustainability Vol. 2 No. 2 (2025): Juni 2025
Publisher : EL-EMIR INSTITUTE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/jocs.v2i2.217

Abstract

This community service activity aims to enhance the entrepreneurial skills of coconut farmers in Kedabu Rapat Village to promote increased income and economic independence. Coconut farmers in the village have long faced challenges such as price fluctuations, limited knowledge of business management, and restricted market access, which have impacted unstable incomes. Through entrepreneurship training, farmers are provided with knowledge on managing coconut businesses, producing processed products, and effective marketing strategies. The service method employs an interactive workshop approach including counseling, hands-on practice, group discussions, and post-training mentoring. The results show an improvement in farmers’ understanding of entrepreneurship concepts and better business management. Farmers have also begun developing processed products such as coconut oil and nata de coco, as well as designing marketing strategies to expand their market reach. Thus, this training successfully increases farmers' motivation and independence in sustainably managing coconut businesses, while opening opportunities for more stable and optimal income growth.
Pelatihan Menumbuhkan Jiwa Kewirausahaan Pada Pelajar SMPN 8 Kecamatan Pelalawan Assyifa, Zubaidah; Winario, Mohd
Journal of Community Sustainability Vol. 2 No. 2 (2025): Juni 2025
Publisher : EL-EMIR INSTITUTE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/jocs.v2i2.218

Abstract

Fostering an entrepreneurial spirit from an early age is essential in shaping a generation that is independent, creative, and innovative. Junior high school students, particularly those at SMPN 8 Pelalawan District, require entrepreneurial training to help them recognize their potential and identify business opportunities in their surroundings. This study aims to determine the effectiveness of training in cultivating an entrepreneurial spirit among students. The method used is a participatory approach involving training sessions, discussions, simple business practices, and evaluations. The results show an increase in students’ interest and understanding of entrepreneurship concepts, as evidenced by the emergence of creative business ideas and entrepreneurial enthusiasm among most participants. The training also demonstrated that hands-on practical approaches are more effective than lecture-based sessions alone. The study recommends that schools continuously provide entrepreneurship training and incorporate it into extracurricular activities to support students' character development and independence
Pelatihan Kewirausahaan Bagi Ibu-Ibu Pada Komunitas Ikatan Keluarga XIII Koto Kampar Sadayoung Rahmawati, Rahmawati; Winario, Mohd
Journal of Community Sustainability Vol. 2 No. 2 (2025): Juni 2025
Publisher : EL-EMIR INSTITUTE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/jocs.v2i2.219

Abstract

The urgency of entrepreneurship training for women in the Ikatan Keluarga XIII Koto Kampar Sadayoung community arises from the need to enhance the role of women in family economics and local community empowerment. This training aims to improve the entrepreneurial skills of women so that they can effectively manage independent businesses and achieve economic self-reliance. The training method used is a participatory approach, combining material presentations, group discussions, and hands-on practice to sharpen participants' technical and managerial abilities. The results of the training show an increase in entrepreneurial knowledge, product creativity development, and improved self-confidence in running a business. Participants were able to apply effective marketing and financial management techniques, which led to an increase in family income. Based on these results, it is recommended that the training be conducted continuously and its scope expanded to reach more women in the surrounding communities. Furthermore, support from the government and related institutions in the form of capital facilitation and business mentoring is crucial to ensure the success and sustainability of the women's entrepreneurial initiatives.  
Pemahaman Hukum Islam tentang Riba dalam Praktik Jual Beli: Studi Kasus Pedagang Pasar Tradisional Putri, Ramanitya Dewi; Winario, Mohd
Journal of Legal Sustainability Vol. 2 No. 1 (2025): Maret 2025
Publisher : EL-EMIR Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/jols.v2i1.185

Abstract

This study aims to analyze the understanding of traditional market traders regarding Islamic law on usury in buying and selling practices and to evaluate the extent to which sharia principles are applied in daily transactions. This study is important considering the rampant practices that contain elements of usury due to the lack of in-depth understanding of religion among small business actors. This study uses a qualitative approach with a case study method conducted on a number of traders in traditional markets. Data collection techniques include observation, in-depth interviews, and documentation. The results of the study indicate that most traders have a limited understanding of the concept of usury according to Islamic law. Some of them still carry out practices that have the potential to contain usury, such as the interest system in capital loans, due to economic needs and the lack of sharia financing alternatives. However, there are also traders who try to avoid usury by choosing a cash buying and selling system or profit-sharing cooperation. This study recommends the need for education and assistance from sharia financial institutions and religious figures so that traders can apply the principles of buying and selling in accordance with Islamic law more optimally.
Implementasi Hukum Waris Islam dalam Masyarakat Pedesaan: Studi Kualitatif di Desa Balung, Kabupaten Kampar Winario, Mohd
Journal of Legal Sustainability Vol. 2 No. 1 (2025): Maret 2025
Publisher : EL-EMIR Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/jols.v2i1.199

Abstract

This study aims to understand how Islamic inheritance law is implemented in inheritance practices within the community of Balung Village, Kampar Regency. The focus of the research is to explore the community's understanding, attitudes, and behaviors toward the provisions of Islamic inheritance law, as well as the factors influencing its application. This study uses a qualitative approach with a case study method. Data were collected through in-depth interviews, participatory observation, and documentation. The primary informants consisted of religious leaders, heirs, and village officials. The findings indicate that although most of the people in Balung Village are aware of the basic principles of Islamic inheritance law, its implementation does not fully adhere to Sharia provisions. The influencing factors include local traditions, family agreements, limited legal understanding, and the roles of customary and religious leaders in the inheritance distribution process. This study concludes that an educational and collaborative approach involving religious leaders, village authorities, and the community is necessary to encourage a more consistent and fair application of Islamic inheritance law.
Tinjauan Yuridis terhadap Perkawinan di Bawah Umur dalam Perspektif Undang-Undang Perkawinan di Indonesia Taufik, Taufik; Winario, Mohd
Journal of Legal Sustainability Vol. 2 No. 1 (2025): Maret 2025
Publisher : EL-EMIR Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/jols.v2i1.220

Abstract

This study aims to juridically analyze the practice of underage marriage in the perspective of Law Number 1 of 1974 on Marriage, as amended by Law Number 16 of 2019. The main focus of this research is to examine the conformity of such practices with positive legal provisions and their legal implications for child protection and human rights. The research method used is normative legal research, employing a statute approach and a conceptual approach. Data were obtained through literature studies on statutory regulations, court decisions, and relevant legal literature. The results of the study show that although the minimum age for marriage has been raised to 19 years for both males and females, underage marriage still occurs through the marriage dispensation mechanism. However, the implementation of this dispensation often raises legal and social issues due to weak oversight and the persistent influence of cultural and social pressures in several regions. Therefore, regulatory reinforcement and consistency in law enforcement are needed to ensure the protection of children and the fulfillment of their fundamental rights in the context of marriage.
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 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 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 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