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All Journal INTEKNA Jurnal Skala Kesehatan International Journal of Social Science and Business An-Nadaa: Jurnal Kesehatan Masyarakat Jurnal Pengabdian kepada Masyarakat Berajah Journal Jurnal Multidisiplin Madani (MUDIMA) Jurnal Pendidikan Dasar dan Sosial Humaniora Jurnal Pengabdian Mandiri Journal of Economic Education and Entrepreneurship Studies Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi Journal of International Multidisciplinary Research Green Economics: International Journal of Islamic and Economic Education Prosiding Seminar Nasional Indonesia BORJUIS (JURNAL OF ECONOMY)
Ahmad Rizani
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Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Dentistry Economics, Econometrics & Finance Education Electrical & Electronics Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Library & Information Science Medicine & Pharmacology Nursing Public Health Social Sciences Veterinary Other

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FAKTOR-FAKTOR YANG MEMPENGARUHI KEPATUHAN PAJAK PADA UKM DAN USAHA INFORMAL DI INDONESIA Ahmad Rizani
Prosiding Seminar Nasional Indonesia Vol. 3 No. 1 (2025): Prosiding Seminar Nasional Indonesia
Publisher : CV. Adiba Aisha Amira

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to identify and analyse the factors that influence tax compliance in Small and Medium Enterprises (SMEs) and informal businesses in Indonesia through a systematic literature review. Tax compliance in this sector is a major challenge in optimising state revenue, given the significant contribution of SMEs to the national economy. The study focuses on two main groups of factors, namely internal factors, which include tax knowledge, taxpayer attitudes, economic capacity, and financial management, as well as external factors, which include tax regulations, administrative convenience, fiscal incentives, the role of tax officials, and digital technology support. The results of the study show that a synergistic combination of internal and external factors greatly determines the level of tax compliance among SMEs and informal businesses. Therefore, an integrated approach to taxation policy and education is essential to encourage sustainable and inclusive compliance.
PENGARUH SISTEM TRANSAKSI KARTU KREDIT DAN DEBIT, UANG ELEKTRONIK, DAN M-BANKING TERHADAP PERMINTAAN TUNAI Ahmad Rizani; Puput Iswandyah Raysharie; Justino Veryanto Lumbantungkup; Nabila; Nana Talia; Riki Cahyadi; Stefanus; Siana
Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi Vol. 1 No. 5 (2023): Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi
Publisher : Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.572349/neraca.v1i5.574

Abstract

Sistem pembayaran dan pengedaran uang tunai tidak hanya mencerminkan dinamika operasional ekonomi, tetapi juga berfungsi sebagai pilar kritis dalam kebijakan ekonomi moneternya. Jurnal ini memperdalam pemahaman terhadap infrastruktur, peran uang tunai, dan dampak ekonomi dari perspektif ekonomi moneter. Sistem pembayaran dan pengedaran uang tunai merupakan elemen integral dalam dinamika ekonomi suatu negara. Memberikan gambaran tentang infrastruktur, proses, dan dampak ekonomi dari sistem pembayaran dan penggunaan uang tunai di era modern. Pertama, kami menjelaskan struktur sistem pembayaran, mencakup bank, lembaga keuangan, dan teknologi terkini yang digunakan untuk mendukung transaksi keuangan. Kami mendiskusikan peran penting pembayaran elektronik, seperti transfer bank, kartu kredit, dan dompet digital dalam memfasilitasi transaksi sehari-hari. Selanjutnya, menganalisis proses transaksi, mencakup inisiasi, otentikasi, dan penyelesaian. Terkini, tren dan inovasi dalam sistem pembayaran, seperti teknologi blockchain dan mata uang digital, dibahas untuk memberikan wawasan tentang arah perkembangan masa depan. Analisis ini mencakup dampak ekonomi dari inovasi-inovasi tersebut dan cara mereka dapat membentuk pemandangan keuangan global. Penggunaan mobile banking, uang elektronik, kartu kredit, dan kartu debit telah mengubah permintaan uang tunai. Dengan berkembangnya teknologi keuangan, orang mulai beralih ke metode pembayaran non-tunai yang lebih efisien untuk melakukan transaksi sehari-hari. Pembayaran melalui kartu kredit, debit, uang elektronik, dan perbankan mobile telah mempermudah transaksi sehari-hari dan mendorong pertumbuhan ekosistem ekonomi digital. Ini berpotensi mengurangi ketergantungan pada uang tunai dan membentuk masyarakat yang lebih suka solusi keuangan digital. Diakui bahwa mendukung pergeseran ini bergantung pada pentingnya menangani masalah keamanan dan privasi sambil tetap memastikan bahwa keuangan harus menjadi fokus utama untuk membagikan manfaatnya secara merata di seluruh lapisan masyarakat.
Strengthening of the Basic Soil (Sub Grade) of the Road Using Galam Piles Muhammad Suhaimi; Sofwan Hadi; Ahmad Rizani; Salmani; Fentasia, Detta Tianida Fentasia; Abdul Hafizh Ihsani
Jurnal Multidisiplin Madani Vol. 3 No. 5 (2023): May, 2023
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/mudima.v3i5.2948

Abstract

Banjarmasin City is situated on an alluvial soil type characterized by clay structures with a relatively low soil carrying capacity; hence, soil stabilization is required. The soil is stabilized using a variety of techniques. Stabilization techniques include using geotextiles, columns, sand stabilizing the soil itself, and stabilizing concrete mix. Implementation at the existing project site is stability stable pending catastrophe. In order the soil's carrying capacity, a depression is created at a predetermined distance beneath the soil, which is generally soft. The method of implementation utilized to assist in the preparation of this research includes data collecting and analysis of the obtained results. This evaluation's data sources consist of secondary data and data processing. By utilizing a static living load of 22.68 tons and the results of the calculation, it is determined that the load acting on the road construction is 33.2415 tons. The Schmertmann- Nottingham technique (1975) yielded a Qult Single of 1.245 and a Qgroup permit of 10.27 tonnes for the carrying capacity of the Galam woodGalam with a pile depth of 5 meters
Integrating Sharia Principles with Environmental, Social, and Governance (ESG) Frameworks in Islamic Financial Institutions Ahmad Rizani; Adelina Citradewi; Ubaydullayeva Go‘zalxon Murodqosim qizi
Green Economics: International Journal of Islamic and Economic Education Vol. 1 No. 2 (2024): April: Green Economics: International Journal of Islamic and Economic Education
Publisher : International Forum of Researchers and Lecturers

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70062/greeneconomics.v1i2.417

Abstract

The integration of Sharia principles with Environmental, Social, and Governance (ESG) frameworks presents a unique opportunity to enhance ethical accountability and sustainability in Islamic financial institutions. This study employs an analytical-descriptive research design, utilizing secondary data from annual sustainability reports, Sharia compliance documentation, and regulatory publications, to examine the adoption of ESG principles in the Islamic finance sector. Findings indicate that Islamic banks have achieved high levels of governance (90%) and social (85%) implementation, while environmental initiatives lag (62%), reflecting the need for stronger alignment with the khalifah fil ardh (stewardship of the earth) principle. The research also demonstrates a positive correlation between ESG implementation and investor confidence, with institutions exceeding 80% ESG adoption achieving an Investor Confidence Index of 92 points compared to 65 points among lower-performing banks. Despite conceptual synergy between ESG and Sharia principles centered on justice (adl), social welfare (maslahah), and environmental stewardship (khalifah) practical integration faces challenges including limited green financing instruments, regulatory fragmentation, and insufficient standardized ESG reporting tailored to Islamic finance. To address these issues, the study proposes an integrative ESG Sharia model emphasizing ethical foundations as the core of sustainable practices. Recommendations include developing Maqasid al-Shariah–based ESG indicators, expanding engagement in green financing and renewable energy projects, and adopting digital sustainability reporting. This integrative approach supports both global sustainability goals and the ethical imperatives of Islamic finance, contributing to a value-based, socially responsible, and spiritually aware financial ecosystem.
IMPLIKASI KEBIJAKAN MONETER TERHADAP STABILITAS PASAR MODAL DAN KINERJA SEKTOR KEUANGAN DI INDONESIA: SUATU KAJIAN PUSTAKA Loso Judijanto; Riyadatul Muthmainnah; Ahmad Rizani
Berajah Journal Vol. 6 No. 2 (2026): Berajah Journal
Publisher : CV. Lafadz Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/bj.v6i2.606

Abstract

Monetary policy is a fundamental instrument used by Bank Indonesia to maintain macroeconomic stability; however, its implications for capital market stability and the performance of the financial sector remain a complex and dynamic topic. This article aims to critically examine the implications of monetary policy for capital market stability and the performance of the financial sector in Indonesia through a literature review using a descriptive qualitative method. The findings indicate that monetary policy influences capital market stability through transmission channels involving interest rates, liquidity, inflation expectations, and foreign capital flows, with market responses tending to be asymmetric—where expansionary stimulus leads to a more significant rise in valuations compared to the pressure from policy tightening. Regarding the financial sector, particularly the banking sector, monetary policy exhibits multidimensional impacts: interest rate hikes can boost the Net Interest Margin (NIM) and profitability of large banks, yet may potentially lower credit quality (NPLs) and slow down credit growth. Harmonious policy coordination between Bank Indonesia, the OJK, and the Ministry of Finance through the Financial System Stability Coordination Forum (FKSSK) is a critical factor in mitigating systemic risks and ensuring the effectiveness of policy transmission. This study makes an academic contribution to the development of monetary and financial economics literature, as well as offering practical implications for policymakers and market participants in formulating strategies responsive to the monetary policy cycle to support stability and sustainable economic growth.
THE IMPACT OF THE DIGITAL ECONOMY ON THE GROWTH OF SMES AND THE LABOUR MARKET STRUCTURE IN INDONESIA Tehedi; Ahmad Rizani
BORJUIS: JURNAL OF ECONOMY Vol. 3 No. 3 (2026): BORJUIS (JOURNAL OF ECONOMY)
Publisher : Adisam Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.20288194

Abstract

The digital economy has become a key transformative force in the Indonesian economy, with growth reaching 8.6% and a contribution of 8.4% to GDP in 2024. This study aims to analyse the impact of the digital economy on the growth of SMEs and the labour market structure in Indonesia using a literature review method with a descriptive qualitative approach. The results indicate that the digital economy has a significant positive impact on SME growth, with 70% of SME operators experiencing an increase in revenue of up to 30% after joining the digital ecosystem, and SME growth reaching 83% by 2024. Digitalisation opens up broader market access, improves operational efficiency by reducing marketing costs by up to 42.68%, and provides access to alternative financing through P2P lending fintech platforms, which have channelled Rp37.9 trillion to SMEs. However, the digital transformation of SMEs still faces challenges, including low technology adoption (only 24–26%), low digital literacy (only 18% possess basic digital skills), and limited internet infrastructure (76.8% penetration). In terms of the labour market structure, the digital economy created 4.2 million direct jobs and 15.7 million indirect jobs in 2023, projected to rise to 6.5 million and 22 million by 2025, although 83 million jobs are predicted to be lost due to automation by 2025. The gig economy offers flexibility to 86.6 million workers (59.40% of the total workforce), yet it also creates economic uncertainty, with 28.4% of gig workers labouring 13–14 hours a day without adequate social protection. The digital skills gap remains a major obstacle, with only 1% of the workforce possessing advanced-level skills against a target of 50%. The study recommends strengthening vocational education curricula, implementing mass reskilling and upskilling programmes for 5 million digital talents by 2026–2030, developing equitable digital infrastructure, strengthening regulations to protect gig workers, and providing incentives for SMEs to undergo digital transformation.
Co-Authors . Zakiah Abdul Hafizh Ihsani Adelina Citradewi Adi Mursalin Afif Syarifudin Yahya Agus Rachmadi Andri Triyantoro Dian May Syifa Endang Supriatna Eni Kriswandari Eva Yuniarti Utami Fentasia, Detta Tianida Fentasia Henny Noviany Hudjolly Isnaniah, Isnaniah Iwan Harsono Januarsih Justino Veryanto Lumbantungkup Kartini Lina Affifatusholihah Loso Judijanto Mitra Yadiannur Muhammad Lucky Muhammad Suhaimi Muhammadong Nabila Nana Talia Nani Hamdani Amir Nisa Miftachurohmah Norlaila Sofia Otanius Laia Peringatan Harefa Puput Iswandyah Raysharie Putri Anindyajati Rafidah RAfidah Rahma Helal Al_ Jbour Rahma Norfaeda Rezki Akbar Norrahman Rifky Lana Rahardian Riki Cahyadi Rina Destiana Rita Kirana Riyadatul Muthmainnah Riyanti, Apriani Rudy Parlindungan Siahaan Rusmiyati Rusmiyati, Rusmiyati Salmani Siana Sofwan Hadi Stefanus suhrawardi, suhrawardi Tehedi Tika Handayani Tut Barkinah Ubaydullayeva Go‘zalxon Murodqosim qizi Vebruati, Vebruati Vonny Khresna Agung Suhadi Mohammad Hakimi Dewi Wahyudi Umar