Articles
<![CDATA[ANALISIS KONSUMSI MASYARAKAT DI INDONESIA ]]>
<![CDATA[Parsaulian, Baginda]]>;
<![CDATA[Aimon, Hasdi]]>;
<![CDATA[Anis, Ali]]>
<![CDATA[ Jurnal Kajian Ekonomi Vol 1, No 2 (2013) ]]>
Publisher : <![CDATA[Program Studi Magister Ilmu Ekonomi ]]>
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<![CDATA[ABSTRACT The purpose of this study to identify and analyze: (1) consumption of the previous period, the current period disposable income and disposable income previous period on the level of consumption in Indonesia (2) the current period disposable income, disposable income of the previous period, the consumption of the current period, consumption and interest rates on saving the current period in Indonesia (3) inflation and money supply current period the interest rate in Indonesia (4) income taxes in the current period against Indonesia. The results showed (1) there is a significant effect between the consumption of the previous period, disposable income of the current period and disposable income together the level of consumption in Indonesia. (2) There is a significant effect between the current period disposable income, disposable income of the previous period, the current period consumption, the consumption of the previous period and current period interest together towards savings in Indonesia. (3) There is significant inflation period between now and the money supply current period jointly against interest rate in Indonesia. (4) There is a significant effect between the current period income tax in Indonesia. Keywords Consumption, Disposable Income, Interest Rates, Saving, Money Supply, Income Taxes and Inflation]]>
<![CDATA[Regulasi Teknologi Finansial (Fintech) Di Indonesia ]]>
<![CDATA[Baginda Parsaulian]]>
<![CDATA[ Fundamental: Jurnal Ilmiah Hukum Vol. 10 No. 2 (2021): Fundamental : Jurnal Ilmiah Hukum ]]>
Publisher : <![CDATA[Sekolah Tinggi Ilmu Hukum Muhammadiyah Bima ]]>
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DOI: 10.34304/jf.v10i2.55
<![CDATA[Seluruh aspek dalam kehidupan modern saat ini tidak terlepas dan ditopang sepenuhnya oleh uang. Tidak ada satu peradaban didunia ini yang tidak mengenal dan menggunakan uang. Kalaupun ada, maka perekonomian dalam peradaban tersebut pasti stanan dan tidak berkembang. Teknologi financial (Fintech) muncul dan berkembang seiring perubahan gaya hidup masyarakat dengan dominasi tehnologi dalam kehidupan sehari-hari dengan pengguna teknologi informasi dikarenakan tuntutan hidup yang serba cepat dan praktis. Dengan Teknologi financial (Fintech), berbagai permasalahan dalam transaksi jual-beli dan transaksi pembayaran seperti tidak sempat mencari barang ke tempat pasar/pusat perbelanjaan, keterbatasan waktu ke bank/ATM untuk mentransfer dana, pelayanan yang kurang menyenangkan serta berbagai kendalam lainnya yang merupakan hambatan dapat diminimalkan. Dengan kata lain, Teknologi financial (Fintech) membantu transaksi jual beli dan sistem pembayaran menjadi lebih efisien dan ekonomis namun tetap efektif.]]>
<![CDATA[PRINSIP DAN SISTEM OPERASIONAL ASURANSI SYARIAH (TA’MIN, TAKAFUL ATAU TADHAMUN) DI INDONESIA ]]>
<![CDATA[baginda parsaulian]]>
<![CDATA[ EKONOMIKA SYARIAH : Journal of Economic Studies Vol 2, No 2 (2018): Juli-Desember 2018 ]]>
Publisher : <![CDATA[Institut Agama Islam Negeri (IAIN) Bukittinggi ]]>
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DOI: 10.30983/es.v2i2.727
<![CDATA[In essence, the spirit contained in an insurance institution cannot be separated from social enthusiasm and help each other. Humans cannot predict or make predictions about something that will happen in the future, even tomorrow does not know what will happen. Future risks can occur both for the life of someone (soul) and property (loss) and need to do risk transfer to other parties through insurance. Along with the development of the types and variety of insurance products, especially Islamic insurance, it is necessary to explain further about the principles and the Islamic insurance system. This paper aims to explain the principles and operational syatem of sharia insurance (Ta’min, Takaful or Tadhamun) in Indonesia. Pada hakikatnya, semangat yang terkandung dalam sebuah lembaga asuransi tidak bisa dilepaskan dari semangat sosial dan saling tolong menolong. Manusia tidak dapat meramalkan atau melakukan prediksi mengenai sesuatu yang akan terjadi di masa datang, bahkan di esok haripun tidak mengetahui apa yang akan terjadi. Resiko dimasa datang dapat terjadi baik terhadap kehidupan sesorang (jiwa) maupun harta benda (kerugian) dan perlu dilakukan pengalihan resiko kepada pihak lain yaitu melalui asuransi. Seiring dengan berkembangnya jenis dan ragam produk-produk asuransi khususnya asuransi syariah maka maka perlu dijelaskan lebih lanjut mngenai prinsip dan system asuransi syariah tersebut. Tulisan ini bermaksud untuk menjelaskan prinsip dan system operasional asuransi syariah (Ta’min, Takaful atau tadhamun) di Indonesia.]]>
<![CDATA[Financial Inclusion dan Stabilitas Keuangan Di Indonesia ]]>
<![CDATA[Baginda Parsaulian]]>
<![CDATA[ Ekopem: Jurnal Ekonomi Pembangunan Vol 4 No 1 (2022): Ekopem:Jurnal Ekonomi Pembangunan ]]>
Publisher : <![CDATA[Program Studi Ekonomi Pembangunan Fakultas Ekonomi dan Bisnis Universitas Timor ]]>
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DOI: 10.32938/jep.v7i1.2388
<![CDATA[The financial sector has an important role in the economy of a country in the current era of globalization. Financial Technology (Fintech) has changed the financial system to be easier and faster where in the transaction process no longer uses physical money (currency) and demand deposits (demand deposits) or bank accounts, but a number of funds that have been transferred and recognized as balances in the application certain and can be used to carry out financial transactions the same as using physical money (currency) but it is easier and more practical to use a cellular phone and the application. Financial inclusion implemented by the government focuses on increasing financial access for people who have not yet enjoyed the services of formal financial institutions due to barriers to accessing them. Financial inclusion in practice can have both positive and negative impacts. As a positive impact, financial inclusion besides being able to overcome income inequality also has the potential to improve financial stability, this is because the poor's access to savings from formal financial institutions can increase the capacity of households to manage financial vulnerabilities caused by the adverse effects of the crisis, diversify the funding base from institutions. that can reduce shocks during global crises, increase economic resilience by accelerating growth, facilitating diversification, and reducing poverty. The negative impact of financial inclusion is caused by a decrease in credit standards due to financial institutions trying to reach the lower class of the unbankable in the form of a decrease in loan requirements, this can increase the risk of a bank's reputation due to improving financial services facilities in several countries which lower the standard for establishing a financial institution for the region. rural areas, and can cause instability due to immature and sufficient regulation from microfinance institutions.]]>
<![CDATA[PENEGAKAN HUKUM LINGKUNGAN HIDUP SERTA DINAMIKA PEMBAKARAN HUTAN DAN LAHAN DI INDONESIA ]]>
<![CDATA[Baginda Parsaulian]]>
<![CDATA[ Jurnal Ilmiah Hukum DE'JURE: Kajian Ilmiah Hukum Vol 4 No 2 (2019): Jurnal Ilmiah Hukum DE'JURE: Kajian Ilmiah Hukum Volume 4 Nomor 2 ]]>
Publisher : <![CDATA[Lembaga Kajian Hukum, Fakultas Hukum, Universitas Singaperbangsa Karawang ]]>
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DOI: 10.35706/dejure.v4i2.6454
<![CDATA[Forest fires are one of the environmental problems that often occur and are considered important so that they become local and global concerns. In Indonesia, forest and land fires (Karhutla) continue to occur, especially in Sumatra, Riau and Kalimantan. Great forest and land fires have occurred in Riau and Kalimantan in 1997-1998 with severe impacts, including health problems, land accidents, aircraft crashes and the effects of smoke reaching neighboring countries. The method of approach used in this study is juridical-normative, with the type of dogmatic research, a form of research on the relationship of law. The specification of this research is descriptive-analytical. The results of the discussion emphasized that law enforcement on environmental management is currently still difficult because of the difficulty in proving and determining the standard criteria for environmental damage.]]>
<![CDATA[Analisis Kebijakan Dalam Upaya Penegakan Hukum Lingkungan Hidup Di Indonesia ]]>
<![CDATA[Baginda Parsaulian]]>
<![CDATA[ Jurnal Reformasi Administrasi : Jurnal Ilmiah untuk Mewujudkan Masyarakat Madani Vol 7, No 1: March 2020 ]]>
Publisher : <![CDATA[Institut Ilmu Sosial dan Manajemen STIAMI ]]>
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DOI: 10.31334/reformasi.v7i1.839
<![CDATA[Forest fires are one of the environmental problems that often occur and are considered important so that they become local and global concerns. In Indonesia, forest and land fires (karhutla) continue to occur, especially in Sumatra, Riau and Kalimantan. Great forest and land fires have occurred in Riau and Kalimantan in 1997/1998 with severe impacts, including health problems, land accidents, aircraft crashes and smoke effects reaching neighboring countries. Law enforcement for environmental management is still difficult because of the difficulty in proving and determining the standard criteria for environmental damage Forest fires are one of the environmental problems that often occur and are considered important so that they become local and global concerns. In Indonesia, forest and land fires (karhutla) continue to occur, especially in Sumatra, Riau and Kalimantan. Great forest and land fires have occurred in Riau and Kalimantan in 1997/1998 with severe impacts, including health problems, land accidents, aircraft crashes and smoke effects reaching neighboring countries. Law enforcement for environmental management is still difficult because of the difficulty in proving and determining the standard criteria for environmental damage. ]]>
<![CDATA[IMPLEMENTASI AUTOMATIC EXCHANGE of FINANCIAL ACCOUNT INFORMATION (AEOI) DI INDONESIA ]]>
<![CDATA[Baginda Parsaulian]]>
<![CDATA[ Jurnal Reformasi Administrasi : Jurnal Ilmiah untuk Mewujudkan Masyarakat Madani Vol 6, No 1: Maret 2019 ]]>
Publisher : <![CDATA[Institut Ilmu Sosial dan Manajemen STIAMI ]]>
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DOI: 10.31334/reformasi.v6i1.327
<![CDATA[Implementation of Automatic Exchange of Financial Account Information (AEOI) in Indonesia At present there are 100 countries or jurisdictions including Indonesia, have stated their commitment to implement financial information exchanges automatically based on the Common Reporting Standard (CRS), which was compiled by the Organization for Economic Cooperation and Development (OECD) and G20. The method used in writing this article is the literature review. Interim government regulation No. 1 of 2017 concerning access to Financial Information for Taxation Interests was set on May 8, 2017 as a legal for implementing the Automatic Exchange of Financial Information (AEOI) in Indonesia. This article aims to provide an overview of the implementation of the agreement on the Automatic Exchange of Financial Information (AEOI) in Indonesia.Implementasi Automatic Exchange of Financial Account Information (AEOI) di Indonesia. Saat ini terdapat 100 negara atau yurisdiksi termasuk Indonesia, telah menyatakan komitmennya untuk mengimplementasikan pertukaran informasi keuangan secara otomatis berdasarkan Common Reporting Standard (CRS), yang disusun oleh Organization for Economic Cooperation and Development (OECD) dan G20. Metode yang digunakan dalam penulisan artikel ini adalah literature review. Peraturan Pemerintah Pengganti Undang-Undang No. 1 Tahun 2017 tentang Akses Informasi Keuangan untuk Kepentingan Perpajakan ditetapkan tanggal 8 Mei 2017 sebagai payung hukum pelaksanaan implementasi Automatic Exchange of Financial Information (AEOI) di Indonesia. Artikel ini bertujuan untuk memberikan gambaran mengenai implementasi pelaksanaan kesepakatan Automatic Exchange of Financial Information (AEOI) di Indonesia.]]>
<![CDATA[PENINGKATAN AKSES KEUANGAN MASYARAKAT MELALUI SISTEM KEUANGAN INKLUSIF DI INDONESIA ]]>
<![CDATA[Baginda parsaulian]]>
<![CDATA[ Jurnal Ekonomi Pembangunan STIE Muhammadiyah Palopo Vol 8, No 1 (2022) ]]>
Publisher : <![CDATA[Lembaga Penerbitan dan Publikasi Ilmiah (LPPI) Universitas Muhammadiyah Palopo ]]>
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DOI: 10.35906/jep.v8i1.1033
<![CDATA[ABSTRAKPerkembangan inklusi keuangan (financial inclusion) didasari dampak krisis kepada kelompok in the bottom of the pyramid yang umumnya tidak tersentuh layanan leuangan (unbanked). Inklusi keuangan (financial inclusion) menjadi kunci dari upaya pemerintah dalam membangun sektor keuangan yang kuat dan inklusif serta mendukung pembangunan yang berkelanjutan di Indonesia.Tujuan penelitian ini adalah untuk mengetahui distribusi layanan sektor perbankan melalui tingkat inklusi keuangan (financial inclusion). Metode yang digunakan pada penelitian ini adalah literature review. Pada penelitian ini terlihat bahwa tingkat Inklusi keuangan (financial inclusion) di Indonesia mengalami perbaikan oleh karena pemberlakuan berbagai regulasi terkait dimana masyarakat pengguna yang memiliki akses layanan keuangan dengan usia di atas 15 tahun mengalami kenaikan dari 20% (2011) menjadi 36% (2014) dan terus meningkat menjadi 48,9% (2017). Apabila dibandingkan dengan negara lain, tingkat Inklusi keuangan (financial inclusion) tersebut adalah yang paling cepat pertumbuhannya bila dibandingkan dengan negara-negara berkembang lain se-kawasan Asia Pasifik. Untuk meningkatkan pemahaman terkait jasa-jasa keuangan dan perbankan harus dilakukan dengan edukasi jasa keuangan dan perbankant terutama edukasi bagi masyarakat yang berpendapatan rendah, kaum wanita serta penduduk di daerah tertinggal yang belum terjangkau dengan layanan keuangan dan perbankan serta dibarengi dengan upaya pemerintah dalam peningkatan infrastruktur fisik sehingga dapat menjangkau masyarakat di berbagi daerah di Indonesia. Kata Kunci : Stabilitas Keuangan, Financial InclusionABSTRACTThe development of financial inclusion is based on the impact of the crisis on groups in the bottom of the pyramid which are generally not touched by financial services (unbanked). Financial inclusion is the key to the government's efforts to build a strong and inclusive financial sector and to support sustainable development in Indonesia. The purpose of this study is to determine the distribution of banking sector services through the level of financial inclusion. The method used in this study is a literature review. In this study, it can be seen that the level of financial inclusion in Indonesia has improved due to the implementation of various related regulations where users who have access to financial services aged over 15 years have increased from 20% (2011) to 36% (2014). and continues to increase to 48.9% (2017). When compared to other countries, the level of financial inclusion is the fastest growing compared to other developing countries in the Asia Pacific region. To increase understanding related to financial and banking services, education in financial and banking services must be carried out, especially education for people with low incomes, women and residents in disadvantaged areas who have not been reached by financial and banking services, as well as government efforts to improve physical infrastructure. so that it can reach people in various regions in Indonesia.Kata Kunci : Financial Stability, Financial Inclusion]]>
<![CDATA[PRINSIP DAN SISTEM OPERASIONAL ASURANSI SYARIAH (TA’MIN, TAKAFUL ATAU TADHAMUN) DI INDONESIA ]]>
<![CDATA[baginda parsaulian]]>
<![CDATA[ EKONOMIKA SYARIAH : Journal of Economic Studies Vol 2, No 2 (2018): Juli-Desember 2018 ]]>
Publisher : <![CDATA[Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi ]]>
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DOI: 10.30983/es.v2i2.727
<![CDATA[In essence, the spirit contained in an insurance institution cannot be separated from social enthusiasm and help each other. Humans cannot predict or make predictions about something that will happen in the future, even tomorrow does not know what will happen. Future risks can occur both for the life of someone (soul) and property (loss) and need to do risk transfer to other parties through insurance. Along with the development of the types and variety of insurance products, especially Islamic insurance, it is necessary to explain further about the principles and the Islamic insurance system. This paper aims to explain the principles and operational syatem of sharia insurance (Ta’min, Takaful or Tadhamun) in Indonesia. Pada hakikatnya, semangat yang terkandung dalam sebuah lembaga asuransi tidak bisa dilepaskan dari semangat sosial dan saling tolong menolong. Manusia tidak dapat meramalkan atau melakukan prediksi mengenai sesuatu yang akan terjadi di masa datang, bahkan di esok haripun tidak mengetahui apa yang akan terjadi. Resiko dimasa datang dapat terjadi baik terhadap kehidupan sesorang (jiwa) maupun harta benda (kerugian) dan perlu dilakukan pengalihan resiko kepada pihak lain yaitu melalui asuransi. Seiring dengan berkembangnya jenis dan ragam produk-produk asuransi khususnya asuransi syariah maka maka perlu dijelaskan lebih lanjut mngenai prinsip dan system asuransi syariah tersebut. Tulisan ini bermaksud untuk menjelaskan prinsip dan system operasional asuransi syariah (Ta’min, Takaful atau tadhamun) di Indonesia.]]>
<![CDATA[FINANCIAL INCLUSION DAN STABILITAS KEUANGAN DI INDONESIA ]]>
<![CDATA[Baginda Parsaulian]]>
<![CDATA[ JEMBA : Jurnal Ekonomi Pembangunan, Manajemen dan bisnis, Akuntansi Vol. 2 No. 1 (2022): JEMBA : Jurnal Ekonomi Pembangunan, Manajemen dan Bisnis, Akuntansi ]]>
Publisher : <![CDATA[Fakultas Ekonomi Dan Bisnis Universitas Palangka Raya (UPR) ]]>
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DOI: 10.52300/jemba.v2i1.4213
<![CDATA[The financial sector has an important role in the economy of a country in the current era of globalization. Financial Technology (Fintech) has changed the financial system to be easier and faster where in the transaction process no longer uses physical money (currency) and demand deposits (demand deposits) or bank accounts, but a number of funds that have been transferred and recognized as balances in the application certain and can be used to carry out financial transactions the same as using physical money (currency) but it is easier and more practical to use a cellular phone and the application. Financial inclusion implemented by the government focuses on increasing financial access for people who have not yet enjoyed the services of formal financial institutions due to barriers to accessing them. Financial inclusion in practice can have both positive and negative impacts. As a positive impact, financial inclusion besides being able to overcome income inequality also has the potential to improve financial stability, this is because the poor's access to savings from formal financial institutions can increase the capacity of households to manage financial vulnerabilities caused by the adverse effects of the crisis, diversify the funding base from institutions. that can reduce shocks during global crises, increase economic resilience by accelerating growth, facilitating diversification, and reducing poverty. The negative impact of financial inclusion is caused by a decrease in credit standards due to financial institutions trying to reach the lower class of the unbankable in the form of a decrease in loan requirements, this can increase the risk of a bank's reputation due to improving financial services facilities in several countries which lower the standard for establishing a financial institution for the region. rural areas, and can cause instability due to immature and sufficient regulation from microfinance institutions.]]>
