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Ghafur, Hanief Saha
Sekolah Kajian Stratejik Dan Global (SKSG), Universitas Indonesia
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Computer Science & IT Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Physics Social Sciences Other

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The Challenges of Digital Banking in Today’s Banking Industry Haryono, Didi; Saha Ghafur, A. Hanief; Rusliwa Somantri, Gumilar
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 3 (2023): 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.v6i3.3857

Abstract

Nowadays, the development of technology is very rapid. Technology is used in almost every area of life. The same applies to the banking industry. The digital era has changed the pattern of the banking business. The ease of use of this technology is expected to bring convenience and speed to transactions called digital banking. Digital banking is a banking service that creates a digital economy that is pursued by many new products issued by banks through technology that utilizes digital technology to meet customer needs and facilitate transactions with customers. The research method is with a Qualitative Descriptive approach and the data used in the survey is using literature, documents, news magazines, interviews, and direct observation of what is happening in the rapidly growing financial technology, taking into account the laws and regulations. Namely Bank Indonesia and the Financial Services Authority. The banking industry is facing increasing challenges in the digital world and progress in the coming years is unstoppable. This is because banks not only have to compete with other banks but also with other financial technology companies that provide security and convenience to their users in the digital economy era. The public needs to be educated about digital banking services. As a tech-savvy society, there is no need to hesitate to make technological advances, but also need to be careful not to sacrifice technological advances. The public needs to be educated about digital banking services.
Sustainable Palm Oil Industry: A Literature Study with Bibliometric Analysis Husin, Saleh; Wijaya, Chandra; Saha Ghafur, A. Hanief; Zakir Machmud, T.M.
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 3 (2023): 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.v6i3.3871

Abstract

This article aims to discuss the latest trends and look for new research on the sustainable palm oil industry. This research is a literature review using Publish or Perish software to search for article data on Google Scholar and using VOSviewer to analyze and visualize the data obtained. The research findings show 3 main group themes of research on the sustainable palm oil industry and based on the research findings, the researcher draws the conclusion that the research gap on the sustainable palm oil industry is still very wide open for the theme of the institutional industry, producers, and the European Union as well as on the palm oil certification system, especially in Indonesia.
Historical Trajectories of Indonesia’s Fiscal Gap and Military Spending, 2003–2023 Aris Marsudiyanto; Athor Subroto; Bambang Permadi Soemantri Brodjonegoro; A. Hanief Saha Ghafur
Paramita: Historical Studies Journal Vol. 35 No. 2 (2025): Military History
Publisher : istory Department, Faculty of Social Sciences, Universitas Negeri Semarang in collaboration with Masyarakat Sejarawan Indonesia (Indonesian Historical Society)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/paramita.v35i2.32010

Abstract

Abstract: Military spending reflects a nation's priorities and its geopolitical orientation, but in Indonesia it has been compromised by chronic fiscal deficits. The aim of this research was to analyze the historical trajectories of Indonesia’s fiscal gap in military spending from 20023 to 2023 by situating national development within broader global conflicts, including Russia-Ukraine war. A historical method was employed by applying synchronic and diachronic analysis, drawing on archival data from the state budget, official reports from the Ministry of Finance, publications from the SIPRI, and policy documents. The findings demonstrated that historical patterns of defence expenditure consistently revealed a widening fiscal gap between projected requirements and available fiscal capacity. Global geopolitical tensions intensified military modernisation and imposed additional burdens on national budgets. The study concludes that Indonesia’s defence financing challenges cannot be examined solely through contemporary fiscal debates but must be interpreted within a long-term historical narrative of deficit budgeting and external shocks. The contribution of this research lies in advancing historical scholarship on fiscal policy and defence spending while providing policymakers with insights into alternative financing strategies grounded in past experiences and institutional legacies. Abstrak: Belanja militer mencerminkan prioritas suatu negara sekaligus orientasi geopolitiknya, namun di Indonesia hal ini terhambat oleh defisit fiskal yang bersifat kronis. Penelitian ini bertujuan menganalisis trajektori historis kesenjangan fiskal dalam pembiayaan pertahanan Indonesia selama periode 2003–2023 dengan menempatkan dinamika nasional dalam konteks konflik global, termasuk perang Rusia–Ukraina. Metode sejarah digunakan dengan menerapkan analisis sinkronik dan diakronik, berdasarkan data arsip Anggaran Pendapatan dan Belanja Negara, laporan resmi Kementerian Keuangan, publikasi SIPRI, serta dokumen kebijakan. Temuan penelitian menunjukkan bahwa pola historis pengeluaran pertahanan secara konsisten mengungkapkan pelebaran kesenjangan fiskal antara kebutuhan yang diproyeksikan dan kapasitas fiskal yang tersedia. Ketegangan geopolitik global semakin mendorong modernisasi militer dan menambah beban pada anggaran nasional. Penelitian ini menyimpulkan bahwa tantangan pembiayaan pertahanan Indonesia tidak dapat dipahami hanya melalui perdebatan fiskal kontemporer, melainkan harus ditafsirkan dalam narasi historis jangka panjang mengenai defisit anggaran dan guncangan eksternal. Kontribusi riset ini terletak pada pengembangan kajian sejarah kebijakan fiskal dan belanja militer, sekaligus memberikan wawasan bagi pembuat kebijakan terkait strategi pembiayaan alternatif yang berpijak pada pengalaman historis dan warisan institusional.
Realising Pancasila Industrial Relations In Terms Of The Muamalah Principle In Islam For The Period 2008-2015 Achmad Basari; Hanief Saha Ghafur
Jurnal Indonesia Sosial Teknologi Vol. 4 No. 11 (2023): Jurnal Indonesia Sosial Teknologi
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/jist.v4i11.800

Abstract

Muamalah is the sunnatullah of man as a social being. One form of mammalian is in the form of employment relations. Labour relations in the modern era developed into industrial relations and experienced developments in form and scope. The Indonesian state based on Pancasila and the 1945 Constitution aspires to realise fair industrial relations formulated in Pancasila Industrial relations. On the other hand, the majority of Indonesia's population is Muslim and has fair industrial relations. Efforts to realise fair industrial relations through the approach of the Indonesian constitution, namely industrial relations and the approach of the mullah principle, can be juxtaposed. In the national context, the government formulated Pancasila Industrial Relations as the goal of developing and fostering Industrial Relations. The author will discuss the Islamic perspective on justice in industrial relations and the role of each in realising equitable industrial relations. The compatibility and differences between these approaches can be a dissolution to realising justice in industrial relations to its order and application
Education Food Security Efforts in West Kalimantan through MSME Education by Bank Kalbar Didi Haryono; A. Hanief Saha Ghafur; Muhammad Sya’roni Rofi’i
Jurnal Penelitian Pendidikan IPA Vol 9 No SpecialIssue (2023): UNRAM journals and research based on science education, science applic
Publisher : Postgraduate, University of Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/jppipa.v9iSpecialIssue.6369

Abstract

This research investigates what practical strategies Bank Kalbar can implement to improve family welfare in West Kalimantan through revitalizing education for MSMEs. This research uses a qualitative method with a case study approach. The instrument in this research is interviews. Data was obtained through in-depth interviews with Bank Kalbar and the regional government. Data were analyzed descriptively through stages of data reduction, thematic analysis, and interpretation of findings according to research needs. The research results show that Bank Kalbar has implemented various programs and strategies to strengthen education and socio-economic development to revitalize MSMEs in West Kalimantan. These programs include technical training, digital-based business adaptation, and financing support. Bank Kalbar has also implemented various strategies to strengthen education and socio-economic development, such as internal and external revitalization, network development, and collaboration with various related parties. Provides opportunities to improve family welfare in West Kalimantan, especially for people around MSME locations, such as housewives
Eliminating the Gap of Labor and Social Protection for the Workers of Platform-Based Transportation Silaban, Rekson; Ghafur, Hanief Saha; Widiawaty, Dyah; Basir, Basir
Yustisia Vol 12, No 2: August 2023
Publisher : Faculty of Law, Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/yustisia.v12i2.69344

Abstract

This study aims to examines online transport business practices in Indonesia and assesses whether workers get decent labor protection. The study tries to provide the answer to the unresolved debate about what form of regulation to close the protection for platform work. The method used a descriptive-qualitative research design with the study case paradigm notably in online transportation sectors. Research data was obtained through in-depth semi-structured interviews with drivers from different apps in Jakarta, the Indonesia Capital City. The study found that the improvement of employment protection for workers can only be done by first clarifying the legal status of workers, and determining the form of employment protection that is suitable for them, which is made through a special regulation. The study proposes a way out by providing options based on selected countries experiences of different continents on how the platform should protected without hurting platform business.
Fiscal Resilience and Defense Financing Innovation for Sustainable National Security Post Ukraine–Russia War Aris Marsudiyanto; Athor Subroto; Bambang Permadi Soemantri Brodjonegoro; A. Hanief Saha Ghafur
Proceedings of International Conference on Science, Education, and Technology Vol. 11 (2025)
Publisher : Universitas Negeri Semarang

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

Abstract

Global geopolitical escalation following the Ukraine–Russia conflict intensifies fiscal and security pressures across many regions, including Indonesia. Long-horizon macroeconomic evaluation demonstrates persistent structural limitations marked by slow revenue elasticity, recurring deficits, exchange-rate exposure, and rising debt-service commitments, all of which reduce flexibility for long-term defense modernization. Geopolitical disturbances amplify those constraints through elevated global military expenditure, higher procurement costs, and expanding cyber, maritime, and hybrid threats within the Indo-Pacific region. Sectoral vulnerabilities further weaken strategic readiness, particularly due to import dependency, limited domestic industrial capability, and increasing operational expenditure. Institutional rigidity also limits adoption of innovative financing mechanisms capable of supporting multi-source and multi-year commitments. Integrated analysis indicates the need for diversified financing pathways that reduce exposure to external shocks and enhance the predictability of defense investment. Potential strategies include defense-industry reinvestment, public-asset monetization, public–private partnerships, and hybrid financing frameworks aligned with long-term capability requirements. Sustainable security therefore depends on structural fiscal reform, institutional modernization, and coordinated integration of fiscal, security, and industrial policy to strengthen Indonesia’s strategic resilience in an increasingly volatile geopolitical landscape.
Police, Institutional Communication, and Social Media Pressure: A Socio-Legal Study of Institutional Responses to Viral Cases in the Digital Age Idris Sandiya; Solikhah Yuliatiningtyas; A. Hanief Saha Ghafur
Journal of Indonesian Legal Studies Vol. 11 No. 1 (2026): Contemporary Legal Responses to Technological, Economic, and Social Change
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/jils.v11i1.34474

Abstract

This study investigates how the Indonesian National Police (Polri) constructs its institutional communication in response to social media pressure during viral legal controversies, and how such responses affect police legitimacy in the digital age. Anchored in a socio-legal framework and employing Fairclough’s Critical Discourse Analysis, the research focuses on a high-profile criminal case that triggered national outrage and sustained digital activism, without explicitly naming the case to preserve analytical generality. The analysis examines the use of formal diction, labeling strategies, language modality, and delegitimization of public criticism within Polri’s official communications. Data sources include press statements, social media content by the Police Public Relations Division, official remarks quoted in mainstream media, and related institutional documents. Findings reveal that viral public discourse exerts significant influence on institutional actions—such as forming special investigative teams and dismissing senior officials—highlighting the role of digital pressure in prompting accountability. However, the study also uncovers the temporary and reactive nature of these responses, particularly when public attention fades. By connecting institutional communication strategies with public expectations in digital spaces, this study argues that the legitimacy of law enforcement is increasingly shaped by the ability to engage transparently and consistently with the public—not merely by legal authority. Viral cases thus function as informal mechanisms of oversight. This research contributes to socio-legal scholarship by integrating insights from democratic policing, digital activism, and public accountability, offering a conceptual lens to understand the dynamic interplay between state institutions and digital society in contemporary Indonesia.
Defense Budget Gaps and Legal Implications of Alternative Financing in Indonesia: A Legal Reform Perspective Aris Marsudiyanto; Athor Subroto; Bambang Permadi Soemantri Brodjonegoro; A. Hanief Saha Ghafur
Journal of Law and Legal Reform Vol. 5 No. 4 (2024): Contemporary Issues on Law Reform in Indonesia and Global Context
Publisher : Faculty of Law, Universitas Negeri Semarang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/jllr.v5i4.18076

Abstract

This paper examines the critical defense budget gap in Indonesia, which has become a pressing issue over the past decade. With global challenges, particularly the escalating wars in the Middle East, Indonesia faces growing security concerns that necessitate a stronger defense program. However, the country’s defense budget allocation, ranging from 0.5 to 0.9 percent of GDP, remains insufficient to meet the required defense expenditures. Using the Autoregressive Integrated Moving Average (ARIMA) approach, we predict future budget availability and compare it with the projected defense needs, revealing a significant gap. To address this, the paper explores alternative financing mechanisms, such as optimizing military assets, enhancing the defense industry, leveraging Public-Private Partnerships (PPP), and integrating these strategies. The urgency of addressing this funding shortfall is heightened by Indonesia’s need for robust defense capabilities in an increasingly unstable geopolitical environment. This study’s novelty lies in analyzing the legal implications of these alternative financing options, an area that has received limited attention in defense policy discourse. It critically examines the legal challenges posed by these financing mechanisms, particularly in relation to Indonesia’s existing laws, including Law No. 17 of 2003 on State Finances, Law No. 3 of 2002 on National Defense, and various regulations governing defense industry and national security. The paper’s contribution lies in offering a comprehensive legal analysis of alternative financing in Indonesia’s defense sector, proposing necessary legal reforms to facilitate these strategies. By providing policy recommendations, this study aims to inform lawmakers, defense planners, and legal scholars about the complexities and potential solutions to closing Indonesia’s defense budget gap while ensuring compliance with national legal frameworks.
Transforming Democratic Policing in the Digital Era for Law Enforcement Accountability in Indonesia Idris Sandiya; A. Hanief Saha Ghafur; Solikhah Yuliatiningtyas
Journal of Law and Legal Reform Vol. 6 No. 4 (2025): October, 2025
Publisher : Faculty of Law, Universitas Negeri Semarang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/jllr.v6i4.30554

Abstract

The phenomenon of “No Viral No Justice” illustrates how legal justice is increasingly shaped by social media exposure, where only viral cases tend to receive serious attention from law enforcement agencies. This article analyzes the relationship between social media virality and the concept of Democratic Policing (DP), introducing a new conceptual framework termed Digital Democratic Policing (DDP). Through a literature review of 18 scientific journal articles, this study integrates five primary theories: (1) Social Movement Theory, (2) Public Sentiment Analysis, (3) Media Exposure Theory, (4) A Theory of Justice, and (5) Democratic Policing. The findings indicate that digitalization has enhanced DP practices by making them more transparent, participatory, and open to public scrutiny. However, digitalization also creates challenges, including trial by social media and the spread of disinformation. Within this context, the DDP framework is positioned not only as a response to the digital era but also as a medium for legal reform, emphasizing technology-based transparency, public participation in digital spaces, and accountable police governance. By embedding DDP into broader law enforcement reforms, policing can move beyond reactive measures toward a proactive system that restores legal certainty and strengthens democratic legitimacy. This study expands the scope of DP research into the digital domain and recommends adaptive policing policies grounded in justice, democracy, and reform-oriented practices. Generally, the DP approach shifts law enforcement from a coercive model to one that is collaborative and responsive, where legal legitimacy is primarily built upon public trust, forming the core of democratic security systems.
Co-Authors Achmad Basari Ariani Barroroh Baried Aris Marsudiyanto Aris Marsudiyanto Aris Marsudiyanto Arthur Josias Simon Runturambi Audrey G. Tangkudung Basir, Basir Brodjonegoro, Bambang P. S. Chandra Wijaya Chandra Wijaya Chandra Wijaya Chandra Wijaya Didi Haryono Didi Haryono Didi Haryono Dyah L. Asmarani Eugenia Mardanugraha Gumilar Rusliwa Somantri Hanita, Margaretha Hannase, Mulawarman Haryono, Didi Hasto Kristiyanto Hasto Kristyanto Husin, Saleh Idris Sandiya Kosuke Mizuno M. Mossadeq Bahri Muhammad Abdul Rozak Muhammad Sya’roni Rofi’i Muhammad Syaroni Rofii Paulus Waterpauw Priyanto Priyanto Pujo Widodo Saleh Husin Saleh Husin Saleh Husin Satya Arinanto Silaban, Rekson Solikhah Yuliatiningtyas Solikhah Yuliatiningtyas Subroto, Athor T. M. Zakir Machmud T.M. Zakir Machmud T.M. Zakir Machmud Wempy Pasaribu Widiawaty, Dyah Zakir Machmud, T.M.