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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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RIAU SCIENTY PERCEPTION ABOUT RIAU-KEPRI SHARIA BANK CONVERSION PROCESS Munthe, Marabona; Winario, Mohd.
International Journal of Educational Review, Law And Social Sciences (IJERLAS) Vol. 2 No. 2 (2022): March
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijerlas.v2i2.231

Abstract

This research is based on the statement of the Governor of Riau Province who stated his plan to convert Bank Riau-Kepri into Bank Riau-Kepri Syariah in mid-2019, but until now the conversion has not been carried out. The purpose of this study was to find out how the public's perception of the conversion of Bank Riau-Kepri into Bank Riau-Kepri-Syariah. In this paper, the author uses qualitative analysis methods, namely analysis by means of descriptive qualitative and argumentative. The results of the study show that the wants and needs of the people of Riau and outside Riau for Islamic Banks are very high, this can be seen from the questionnaire that the author distributed to respondents. Public doubts arise about the seriousness of the Riau Provincial Government towards the conversion of Bank Riau-Kepri to the totality of Bank Riau-Kepri Syariah, as a community who is aware and understands sharia, the community continues to support not only haste, but stands at the forefront to fully support the achievement of a blessed society. with the establishment of sharia in the field of muamalah.
Motives For Fraudulent Behavior In Islamic Bank: Hexagon Model Of Perspective Fraud Meilany, Merry; Winario, Mohd.
JPS (Jurnal Perbankan Syariah) Vol 5 No 1 (2024): JPS (Jurnal Perbankan Syariah) - April
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/jps.v5i1.1761

Abstract

This research explores the motives for fraudulent behaviour using the fraud hexagon model approach in Islamic Bank X, city Y. This research is qualitative research with primary data sources. Data collection was carried out through unstructured interviews and then deepened through observation. The informants for this research consisted of 7 people who had worked and were currently working in several parts of Islamic Bank X, city Y. This research used qualitative data analysis techniques with three stages in the form of data reduction, data presentation and conclusion. This research reveals the motives for fraudulent behaviour at Islamic Bank X in City Y from the perceptive fraud hexagon model. Fraudulent behaviour is based on the perpetrator's intention and is driven by motives in the form of pressure, rationalization, opportunity, ability, arrogance and collusion. Companies can use the results of this research to consider strategies and policies for controlling risks against fraud. The results of this research can also be helpful for Islamic Banks regarding the suitability of a person's position. Sharia banks must develop their human resources well so that there is a balance between employee rights and obligations.
Strategi Pemasaran pada UMKM Berbasis Kuliner (Studi Kasus: UMKM Siti Hajar Kota Pekanbaru) Meilany, Merry; Winario, Mohd
Jurnal Teknik Industri Terintegrasi (JUTIN) Vol. 7 No. 1 (2024): January
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jutin.v7i1.23842

Abstract

Marketing strategy is the implementation of business steps which are a manifestation of achieving business success. This strategy is very important considering that no matter how good the segmentation, target market and market position are, it will not work if the right strategy is not followed. This research uses a qualitative descriptive research approach. Data collection techniques using observation, interviews and documentation techniques. Based on the results and discussion of research that has been put forward regarding the marketing strategy of MSME Siti Hajar Pekanbaru, it can be concluded that MSME Siti Hajar Pekanbaru uses the 4P Marketing Mix which consists of product strategy with products that are packaged well, price ) with affordable prices, strategic locations, and regular promotions and utilizing technology. UMKM Siti Hajar also analyzes strengths and weaknesses (internal factors) as well as opportunities and threats (external factors) using SWOT. MSME Siti Hajar Pekanbaru maintains cash flow, widens the target market, continues to innovate by developing a variety of food flavors, maximizing social media, and creating a marketplace. MSME Siti Hajar Pekanbaru has culinary products that are quality, healthy, and priced according to product quality, distribution places are affordable to the public, and have carried out promotions through social media.
Pendampingan Pembuatan Website Desa Gunung Malelo untuk Mempermudah Penyebaran Informasi Desa Priyatno, Arif Mudi; Firmananda, Fahmi Iqbal; Ramadhan, Wahyu Febri; Winario, Mohd; Jati, Putri Zulia; Tanjung, Lailatul Syifa
Dedikasi: Jurnal Pengabdian Pendidikan dan Teknologi Masyarakat Vol. 1 No. 2 (2023): Dedikasi 2023
Publisher : Institut Teknologi Pendidikan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/dedikasi.v1i2.20

Abstract

Penyebaran informasi yang efektif merupakan aspek penting dalam pembangunan desa yang inklusif dan berkelanjutan. Dalam konteks tersebut, kegiatan pengabdian masyarakat ini dilakukan dengan tujuan untuk mempermudah penyebaran informasi desa melalui pendampingan pembuatan website Desa Gunung Malelo. Desa Gunung Malelo memiliki potensi pariwisata, perkebunan, dan pertanian, namun masih menghadapi tantangan dalam penyebaran informasi kepada masyarakat setempat. Melalui metode pendampingan yang terstruktur, kegiatan ini melibatkan analisis kebutuhan, pembentukan tim pendamping, pelatihan, pembangunan website desa, pelatihan pengelolaan konten, dan pendampingan teknis. Tim pendamping terdiri dari ahli teknologi informasi, pengembang web, dan fasilitator komunitas. Hasil dari kegiatan ini adalah terwujudnya sebuah website desa yang fungsional dan responsif. Masyarakat Desa Gunung Malelo dapat dengan mudah mengakses informasi penting seperti pengumuman pemerintah desa, kegiatan sosial, informasi kesehatan, jadwal pertemuan, dan layanan publik melalui website tersebut. Pendampingan dan pelatihan yang dilakukan membantu meningkatkan kapasitas sumber daya manusia di desa dalam mengelola dan memperbaharui konten website secara mandiri. Kegiatan ini berhasil mencapai tujuan utama, yaitu mempermudah penyebaran informasi desa. Desa Gunung Malelo mengalami peningkatan aksesibilitas informasi, partisipasi masyarakat, dan pengelolaan konten website yang berkelanjutan. Melalui pengabdian masyarakat ini, terjadi perubahan positif dalam dinamika komunikasi dan pengembangan desa, menuju arah yang lebih maju, terhubung, dan inklusif.
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:   
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.
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 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