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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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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.
Murabahah Sebagai Solusi Pembiayaan Syariah: Alternatif Jual Beli Bebas Riba Untuk Kebutuhan Konsumtif Dan Produktif Irmawanti, Irmawanti; Winario, Mohd
Journal of Economic, Management, Business, Accounting Sustainability Vol. 2 No. 2 (2025): Mei 2025
Publisher : EL-EMIR Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/joembas.v2i2.186

Abstract

This study aims to analyze the role of the murabahah contract as a Sharia-compliant financing solution free from riba (usury) in meeting both consumptive and productive needs of the community. Murabahah, a sale contract with an agreed profit margin between Islamic banks and customers, has become one of the dominant instruments in the Islamic finance industry. This research adopts a qualitative descriptive approach through literature study. Data sources include books, scholarly journals, fatwas from the National Sharia Council of Indonesia (DSN-MUI), and reports from Islamic finance practitioners. The findings indicate that the murabahah contract is highly flexible in financing various needs, ranging from household consumer goods purchases to working capital financing for MSMEs. Furthermore, murabahah offers profit margin certainty and is free from riba, aligning with Sharia principles. Nevertheless, challenges remain in its implementation, such as the potential for practical deviations and the low public literacy regarding Sharia contracts. Therefore, strict supervision and continuous education are needed to ensure that murabahah truly serves as a fair and sustainable solution within the Islamic financial system.
PEMBERDAYAAN PETANI KELAPA UNTUK MENINGKATKAN NILAI TAMBAH MINYAK KELAPA Winario, Mohd.; Zakir, Muhammad; Sari, Efti Novita; Amelia, Nur
JMM (Jurnal Masyarakat Mandiri) Vol 9, No 2 (2025): April
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jmm.v9i2.29173

Abstract

Abstrak: Pemberdayaan petani kelapa untuk meningkatkan nilai tambah minyak kelapa penting karena membantu petani mengoptimalkan hasil panen kelapa melalui proses pengolahan yang lebih baik, sehingga meningkatkan kualitas dan nilai jual produk. Dengan pelatihan dan pendampingan, petani dapat menghasilkan minyak kelapa berkualitas tinggi, yang lebih kompetitif di pasar. Tujuan tujuan dari pengabdian ini adalah untuk meningkatkan pemahaman petani kelapa dengan pelatihan dan pendampingan pembuatan minyak kelapa menjadi lebih bernilai atau memiliki added value. Metode yang digunakan dalam kegiatan pengabdian masyarakat ini adalah dengan metode Asset Based Comunities Development (ABCD), yaitu pendekatan dalam pengabdian kepada masyarakat yang menitikberatkan pada inventarisasi asset yang terdapat pada petani kelapa Desa Kedabu Rapat, pelaksanaan kegiatan ini dilaksanakan empat orang dengan mitra Kepala Desa Kedabu Rapat dan petani berjumlah 20 orang. Metode evaluasi dilakukan melalui observasi dan pemberian 5 pertanyaan post-test untuk mengukur peningkatan pengetahuan serta antusiasme peserta setelah kegiatan. Hasil pengabdian ini menunjukkan bahwa Program pemberdayaan petani kelapa di Desa Kedabu Rapat berhasil meningkatkan nilai tambah produk minyak kelapa, pendapatan petani, dan keterampilan kewirausahaan. Dengan dukungan teknologi tepat guna, pemasaran efektif, dan kelembagaan yang kuat, petani lebih mandiri dan kompetitif. Melalui pelatihan dan pendampingan, petani mampu menghasilkan minyak kelapa berkualitas tinggi dengan teknik pengolahan modern yang lebih efisien dan higienis. Program ini berhasil meningkatkan pendapatan petani rata-rata sebesar 30%, terutama melalui penguasaan teknologi tepat guna dan pemasaran produk yang lebih luas.Abstract: Empowering coconut farmers to increase the added value of coconut oil is important because it helps farmers optimize coconut harvests through better processing processes, thereby increasing the quality and selling value of the product. With training and assistance, farmers can produce high quality coconut oil, which is more competitive in the market. The purpose of this community service is to improve the understanding of coconut farmers through training and mentoring in making coconut oil more valuable or having added value. The method used in this community service activity is the Asset Based Communities Development (ABCD) method, which is an approach to community service that emphasizes the inventory of assets found in coconut farmers in Kedabu Rapat Village, the implementation of this activity was carried out by four people with partners from the Head of Kedabu Rapat Village and 20 farmers. The evaluation method is carried out through observation and giving 5 post-test questions to measure the increase in participants' knowledge and enthusiasm after the activity. The results of this service show that the coconut farmer empowerment program in Kedabu Rapat Village has succeeded in increasing the added value of coconut oil products, farmer income, and entrepreneurial skills. With the support of appropriate technology, effective marketing, and strong institutions, farmers are more independent and competitive. Through training and mentoring, farmers are able to produce high-quality coconut oil with modern processing techniques that are more efficient and hygienic. This program has succeeded in increasing farmers' income by an average of 30%, especially through mastery of appropriate technology and wider product marketing.
Implementasi Akad Salam Dalam Pembiayaan Sektor Pertanian Oleh Bank Syariah Nurmaini, Nurmaini; Winario, Mohd; Mairiza, Diany
Journal of Economic, Management, Business, Accounting Sustainability Vol. 2 No. 3 (2025): Agustus 2025
Publisher : EL-EMIR Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/joembas.v2i3.291

Abstract

The implementation of the Salam contract in agricultural financing by Islamic banks in Indonesia serves as an alternative financing method aligned with Sharia principles. The Salam contract is a type of sale in which payment is made in advance, while the goods are delivered at a later date. This model is highly relevant in the agricultural context, as farmers require working capital before the harvest period. This study focuses on how Islamic financial institutions apply the Salam contract to support the agricultural sector, starting from the identification of farmers' needs, determination of price and product specifications, payment mechanisms, to the distribution of agricultural products. The challenges faced by Islamic banks in implementing the Salam contract include commodity price fluctuations, crop failure risks, uncertainty in harvest time, and limited risk management capacity. Furthermore, this study evaluates the extent to which the Salam contract instrument can address farmers' needs for fast, easy, and interest-free (riba-free) financing, as well as its contribution to enhancing national agricultural productivity.
Pengaruh Pendayagunaan Zakat Produktif Program Satu Keluarga Satu Sarjana Dalam Meningkatkan Kesejahteraan Mustahik Pada Baznas Kabupaten Kampar Mairiza, Diany; Widiarsih, Dwi; Winario, Mohd; Rahmawati, Rahmawati; Assyifa, Zubaidah
Journal of Economic, Management, Business, Accounting Sustainability Vol. 2 No. 3 (2025): Agustus 2025
Publisher : EL-EMIR Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/joembas.v2i3.292

Abstract

This research aims to measure how much influence the productive zakat utilization of the one poor family one graduate program has in improving the welfare of mustahik at BAZNAS Kampar Regency. The method used was descriptive quantitative with a simple linear regression model Y=a+bX+e, involving 49 respondents as a sample. Data was collected through a questionnaire to obtain data on This can be seen from the results of the T test (partial) with a significance value of 0.001, which is smaller than 0.05, so that the hypothesis H1 is accepted, indicating that there is a positive and significant influence. In addition, the R square value of 0.535 shows that the utilization of productive zakat for one poor family, one graduate program is 53.5% of the welfare level of mustahik, while the rest is influenced by other variables.
Membangun Sekolah Ramah Anak: Sosialisasi Dan Edukasi Anti-Perundungan Di Sdn 023 Sungai Geringging Winario, Mohd; Putra, Aroiyan Faiz; Putri, Alfira Huriyah; Sunelti, Detri; Sarini, Elfi; Jenari, Felisa; Anggiani, Mei Dinda; Afifah, Nur; Miza, Rauzatul; Suhayanti, Suhayanti; Sisda, Tiara Melfia; Rahmayani, Wahyu
Journal of Community Sustainability Vol. 2 No. 3 (2025): September 2025
Publisher : EL-EMIR INSTITUTE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/jocs.v2i3.353

Abstract

This community service activity aims to increase the understanding and awareness of students at SDN 023 Sungai Geringging regarding the dangers of bullying, as well as to foster mutual respect and create a child-friendly school environment. The implementation method involved interactive socialization, delivery of anti-bullying educational material using visual media and storytelling, group discussions, and simulations of positive behavior. This approach was chosen to help students more easily grasp the messages conveyed and apply them in their daily lives. Additionally, teachers were involved as supervisors and facilitators to ensure the sustainability of the program at school. The results of the activity showed an increase in students’ knowledge about the forms and impacts of bullying, the emergence of student commitment to refrain from bullying, and the creation of a more harmonious classroom atmosphere. This program is expected to be an initial step toward establishing a safe, comfortable, and bullying-free school culture.
Tinjauan Hukum Islam Terhadap Implementasi Akad Mudharabah Di Perbankan Syariah Modern Delia, Dwi Anisa; Winario, Mohd; Mairiza, Diany
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 Hidayati, Qonita; Winario, Mohd; Khairi, Rifqil
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.
Analisis Implementasi Akad Musyarakah Dalam Pembiayaan Modal Usaha Pada Perbankan Syariah Di Indonesia Putri, Elen Sri Ega; Winario, Mohd; Mairiza, Diany
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.
Analisis Hukum Islam terhadap Praktek Jual Beli Online Tanpa Kepemilikan Barang (Drop Shipping) Winario, Mohd; Kamalin, Muhammad
Journal of Legal Sustainability Vol. 2 No. 3 (2025): September 2025
Publisher : EL-EMIR Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63477/jols.v2i3.360

Abstract

This study aims to analyze the practice of online buying and selling without ownership of goods (drop shipping) from the perspective of Islamic law. The main focus of this research is to assess the validity of contracts and ownership status in transactions conducted by business actors who do not directly own, control, or store the goods being sold. The research method used is qualitative with a normative-juridical approach, by reviewing secondary data in the form of classical and contemporary fiqh literature, fatwas of Islamic scholars, as well as regulations governing electronic commerce (e-commerce). The analytical technique used is descriptive-analytical, examining the compatibility of drop shipping practices with the principles of Islamic commercial law (muamalah). The results of the study indicate that drop shipping is permissible in Islam under certain key conditions, including transparency in the contract, absence of deceit or uncertainty (gharar), and the obligation of the seller to disclose that the product is shipped directly by a third party. If these conditions are met, the practice can be categorized as a valid wakalah bil ujrah or salam contract under Islamic law. Conversely, if there is any ambiguity or manipulation of information, the transaction may be considered impermissible (haram) or invalid.
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 Mairiza Dinata, Shidiq Ramdan Dwi Widiarsih Emilia Susanti Emilia Susanti Faris, Naufal Firmananda, Fahmi Iqbal Fitriyana, Rinda Hairullah Efendi Harahap, Ahmad Muda Harahap, Ahmad Rofi'i HARAHAP, ISMAIL Hasgimianti Hasgimianti Hasgimianti, Hasgimianti Hendri K, Hendri Heni Pujiastuti Henry Martin Adriansyah Hidayat Hidayat 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 Amalia Nala Amelia Nilam Erman Nining Suniarti Nongliasma, Nongliasma Novriavani Novriavani Nur Amelia 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 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 Yoly, Zafia Sarina Yudi Irwan Yuliani Yuliani Z, Rafida Zubaidah Assyifa ZULFAN EPENDI