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All Journal Economic Journal of Emerging Markets IJIBE (International Journal of Islamic Business Ethics) Proceeding SENDI_U PROSIDING SEMINAR NASIONAL CENDEKIAWAN Jurnal Manajemen Pelayanan Publik Jurnal Ilmiah Ekonomi Islam Al-Muzara'ah Dinamisia: Jurnal Pengabdian Kepada Masyarakat Indonesian Treasury Review: Jurnal Perbendaharaan, Keuangan Negara dan Kebijakan Publik Aptisi Transactions on Technopreneurship (ATT) Jurnal Ekonomi Bisnis Indonesia Indonesian Journal of Accounting and Governance Meteor STIP Marunda El-Barka: Journal of Islamic Economics and Business Jurnal Wacana Ekonomi Al-Awqaf: Jurnal Wakaf dan Ekonomi Islam Community Empowerment Devotion: Journal of Research and Community Service Jurnal Ketenagakerjaan Sibatik Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan El-Ecosy : Jurnal Ekonomi dan Keuangan Islam PENANOMICS: INTERNATIONAL JOURNAL OF ECONOMICS Business and Entrepreneurial Review Journal of Tax Law and Policy Media Riset Akuntansi Auditing & Informasi Indonesian Management and Accounting Research Media Ekonomi Scientium Law Review Ekonomi Digital Dharma Ekonomi Enrichment: Journal of Multidisciplinary Research and Development Dirkantara Indonesia Gudang Jurnal Multidisiplin Ilmu International Journal of Economics and Management Sciences International Journal of Economics, Management and Accounting Green Inflation: International Journal of Management And Strategic Business Leadership Suhuf: International Journal of Islamic Studies Indonesian Journal of Accounting and Governance
Muhammad Zilal Hamzah
Unknown Affiliation
Religion Aerospace Engineering Arts Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Transportation Other

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Regulating Buy Now Pay Later (BNPL) in Asean: a Comparative Analysis on Regulatory Challenges and Opportunities Luci Irawati; Muhammad Zilal Hamzah; Eleonora Sofilda
International Journal of Economics, Management and Accounting Vol. 1 No. 4 (2024): December : International Journal of Economics, Management and Accounting
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/ijema.v1i4.227

Abstract

This study provides a comparative analysis of the regulatory frameworks governing Buy Now Pay Later (BNPL) services across ten ASEAN countries: Indonesia, Malaysia, Singapore, Thailand, the Philippines, Laos, Brunei Darussalam, Vietnam, Myanmar, and Cambodia. As BNPL services rapidly expand throughout the region, understanding the diverse regulatory landscapes and their implications becomes increasingly critical for fostering financial stability, consumer protection, and innovation in the digital financial ecosystem. Utilizing a literature review methodology, the research examines existing regulations, legal frameworks, and market trends, assessing their impact on financial stability, consumer protection, and fintech innovation. Singapore is identified as the leader in regulatory practices, effectively balancing fintech innovation with stringent consumer protection. Indonesia and Malaysia emphasize financial inclusion and systemic risk management, with Indonesia's framework focusing on transparency and financial literacy. Thailand and the Philippines are refining their frameworks, while Myanmar, Laos, Brunei, Vietnam and Cambodia are still developing their regulatory approaches. BNPL services, driven by growing e-commerce and fintech ecosystems, offer significant opportunities for financial inclusion but also pose challenges related to over-indebtedness, credit risk, and data protection. The analysis emphasizes that while BNPL presents significant opportunities for financial inclusion and fintech innovation, effective regulation is critical to ensuring sustainable growth and protecting consumers from debt traps and financial instability.
Fiscal Policy in Maritime Economics: Implications for Growth and Sustainability Mudakir Mudakir; Muhammad Zilal Hamzah; Eleonora Sofilda
Green Inflation: International Journal of Management and Strategic Business Leadership Vol. 1 No. 3 (2024): August : Green Inflation: International Journal of Management and Strategic Bus
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/greeninflation.v1i3.52

Abstract

This research explores the impact of fiscal policies on maritime economics, focusing on macroeconomic stability, sector-specific resilience, and sustainability initiatives within maritime industries. Through qualitative analysis and expert perspectives, the study examines how fiscal interventions influence economic growth, address regional disparities, and promote environmental stewardship in maritime sectors. Key findings highlight the effectiveness of fiscal tools in stabilizing economic fluctuations, fostering innovation, and enhancing industry competitiveness. Challenges such as regulatory complexities, uneven distribution of fiscal benefits, and the need for enhanced fiscal transparency are also discussed. The research underscores the importance of tailored fiscal strategies that support inclusive growth, sustainable development, and global competitiveness in maritime economies.
The Design Model of Halal Product Assurance Implementation Dewi, Nur Diana; Hamzah, Muhammad Zilal; Sofilda, Eleonora
IJIBE (International Journal of Islamic Business Ethics) Vol 8, No 1 (2023): March 2023
Publisher : UNISSULA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/ijibe.8.1.69-82

Abstract

The majority of Indonesia's population is Muslim in the amount 87.21% of a total of 237 million people. However, this is not directly proportional to the lack of halal product certification in Indonesia. The study aims to determine the implementation of halal product assurance certification in Indonesia by analyzing the Indonesia and Malaysia certification without neglecting the readiness of LPPOM MUI and BPJPH in facing changes to the halal certification regulations of JPH Law. The research method was the interview and FGD techniques. The data was processed by NVivo 12. The implication of this research shows that the JPH Law can organize effectively with the hard work of BPJPH to synergize the stakeholders. The implementation model of halal product assurance adjusted to the strategy and work plan for JPH by emphasizing the increasing stakeholder involvement, G2G Cooperation, and SME Development.
Effect of VAT C-Efficiency Ratio, VAT Buoyancy, and VAT Elasticity on Value Added Tax (VAT) Revenue Ratio in Indonesia Sipayung, Bonarsius; Hamzah, Muhammad Zilal; Arsal, Yon
Journal of Tax Law and Policy Vol. 3 No. 2 (2024): Journal of Tax Law and Policy
Publisher : Scientia Integritas Utama

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56282/jtlp.v3i2.515

Abstract

Value Added Tax (VAT) is one of the mainstays of tax revenue that many jurisdictions, including Indonesia, can rely on in the future given the tendency in the digital era for competition to reduce corporate income tax rates in many countries and modern society faces challenges to deal with tax avoidance. Given the lack of research on VAT performance from 1984-2022, it is necessary to analyze and determine the influence of VAT C-Efficiency Ratio, VAT Buoyancy, and VAT Elasticity on VRR in Indonesia. Based on the Structural Equation Model (SEM) method, it is concluded that VAT C-efficiency has a positive and significant effect on VRR, VAT Buoyancy has a negative and insignificant effect on VRR, and VAT Elasticity has a negative and significant effect on VRR. While simultaneously, VAT C-efficiency, VAT Buoyancy, and VAT Elasticity greatly influence VRR. It is recommended that VRR be improved by increasing VAT C-efficiency.
Peran dan Potensi Digitalisasi Manajemen Zakat: Sebuah Systematic Literature Review Makarim, Dina Fornia; Hamzah, Muhammad Zilal
Jurnal Ilmiah Ekonomi Islam Vol 10, No 1 (2024): JIEI : Vol.10, No.1, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i1.12406

Abstract

This research aims to identify the role and potential of digitizing zakat management using a systematic literature review (SLR) approach with the PRISMA (Preferred Reporting Items for Systematic Reviews and Meta-Analyses) method in the process of filtering articles according to the research subject. The data source comes from articles published by journals indexed by Scopus which were collected using the Publish or Perish (PoP) program. From a total of 112 studies, 47 articles were obtained from 33 Scopus indexed journals that were relevant for analysis, published in 2014-2024. Selected articles were analyzed using the VOSviewer tool. The results of this research show that digitalization in zakat management has an important role in the collection and distribution of zakat. Technologies such as blockchain and the use of bitcoin currency also have the potential to increase the role of digitalization of zakat management in the future. This research can be used as a reference for further research regarding the digitalization of zakat.
Evaluating Market Structure, Firm Behavior, And Sustainability In The Maritime Industry Using Scp Framework Hesti Ekawati; Muhammad Zilal Hamzah; Eleonora Sofilda; Ahmad Ahmad
Dharma Ekonomi Vol. 31 No. 2 (2024): DHARMA EKONOMI
Publisher : sekolah Tinggi Ilmu Ekonomi Dharmaputra Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59725/de.v32i1.120

Abstract

The maritime industry plays a critical role in global trade but faces growing pressure to integrate environmental sustainability into its operations. This research analyzes the industry using the Structure-Conduct-Performance (SCP) framework to understand the relationship between market structure, firm behavior, and both economic and environmental performance. The study provides original value by extending the traditional SCP model to include environmental sustainability, addressing a critical gap in previous research. Key research questions include how market concentration, regulatory compliance, corporate environmental responsibility (CER), and technological innovation affect both profitability and sustainability. Using qualitative data from industry professionals and maritime educators, the analysis highlights that proactive regulatory compliance and high CER commitment drive superior economic and environmental outcomes. Firms that invest in green technologies enjoy enhanced performance, while those prioritizing short-term profits struggle with long-term competitiveness. The results offer practical insights for policymakers and industry leaders, emphasizing the need for inclusive market structures and stronger regulatory frameworks to support sustainability across the sector.
A Systematic Literature Review on Islamic Expenditures Sobiyanto, Ahmad; Bustamil, Bustamil; Handayani, Tri; Hamzah, Muhammad Zilal
El-Barka Journal of Islamic Economics and Business Vol. 6 No. 2 (2023)
Publisher : El-Barka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/elbarka.v6i2.7280

Abstract

The purpose of this study is to identify past research trends on Islamic spending, evaluate research collaborative relationships, and identify future research directions.It uses 14 articles published between 2003-2022 about Islamic Expenditures indexed in Scopus (Q1-Q4) using a qualitative and quantitative approach, the Bibliometric method and Systematic Literature Review (SLR). This study uses VosViewers software and Publish or Perish. It is known that the author who has the most publications on Islamic Expenditure is U.H. Umar. The article with the most citations was the article entitled "A proposed model for waqf financing public goods and mixed public goods in Malaysia". The journal with the largest number of publications is the International Journal of Islamic and Middle Eastern Finance and Management. The countries that contributed the most to the release were Malaysia, Nigeria and Pakistan. This study makes several contributions, including for future researchers, the research results can be used as a reference to identify influential authors, articles, journals, countries, findings and methods. For researchers, the results of this study can be used as a benchmark and literature necessary for the development of Shariah consumer research and to reassess the gaps in Islamic cost or cost research.
Determinant Factors for Achieving Sustainable Development in Jambi Province: Determinant Factors for Achieving Sustainable Development in Jambi Province Astuti, Camelia Puji; Hamzah, Muhammad Zilal; Sofilda, Eleonora
PENANOMICS: International Journal of Economics Vol. 4 No. 1 (2025): April
Publisher : Yayasan Pusat Cendekiawan Intelektual Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56107/penanomics.v4i1.214

Abstract

The Human Development Index (HDI) and the poverty line are important indicators in measuring community welfare and are in line with the Sustainable Development Goals (SDGs) initiated by the United Nations (UN). Jambi Province is one of the provinces that has an average HDI below the national average with a high poverty rate. The purpose of this study was to analyze and examine the determinants of the HDI and Poverty Line in Jambi Province. The method used is a qualitative approach using SLR bibliometrics and a quantitative approach with panel data in 11 districts/cities in Jambi Province with a research year of 2017-2023. The results of the qualitative approach show that the productivity of literature related to the Human Development Index (HDI) and Poverty fluctuated during 2021-2024 with the highest growth in 2023 and 2024. The results of the quantitative approach show that all independent variables have a significant effect on the Human Development Index (HDI). Meanwhile, only the education budget and Regional Independence Index variables do not have a significant effect on the poverty line. Recommendations based on research results, the Central Government and Jambi Province need to encourage inclusive economic growth to accelerate the improvement of social welfare, need to strengthen sustainability-based village development programs to improve the quality of life of the community. The government needs to strengthen regional financial management mechanisms to ensure more efficient and effective public spending that has an impact on community welfare so that the achievement of SDGs can be realized in 2030.
ANALYSIS OF THE IMPACT OF SOCIAL ASSISTANCE PROGRAM DISTRIBUTION ON CURRENT ACCOUNT SAVINGS ACCOUNT (CASA) GROWTH PT. BANK NEGARA INDONESIA (PERSERO) TBK Herawan, Bonny Famedian; Hamzah, Muhammad Zilal; Sofilda, Eleonora
El-Ecosy : Jurnal Ekonomi dan Keuangan Islam Vol 5, No 2 (2025): July(El-Ecosy: Jurnal Ekonomi dan Keuangan Islam)
Publisher : Universitas Suryakancana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35194/eeki.v5i2.5630

Abstract

PT. Bank Negara Indonesia, Tbk. (PT BNI) berperan sebagai Agent of Development melalui kerja sama dengan Kementerian Pendidikan, Kebudayaan, Riset, dan Teknologi dalam penyaluran dana Program Indonesia Pintar (PIP), yang mencakup PIP untuk SMA/SMK/Paket C dan Kuliah (KIPK). Penelitian ini bertujuan untuk menganalisis pengaruh penyaluran program bantuan sosial terhadap pertumbuhan CASA (Current Account Saving Account). Penyaluran bantuan sosial diharapkan mempengaruhi perilaku menabung masyarakat, yang berimplikasi pada pertumbuhan CASA (Current Account Saving Account). Metode yang digunakan dalam penelitian ini adalah OLS (Ordinary Least Squares) untuk mengidentifikasi hubungan antara jumlah penerima bantuan sosial dan pertumbuhan CASA (Current Account Saving Account). Variabel yang dianalisis mencakup jumlah penerima bantuan sosial, jumlah nominal penerima dan pertumbuhan CASA (Current Account Saving Account). Hasil penelitian menunjukkan bahwa penyaluran bantuan sosial memiliki pengaruh signifikan terhadap pertumbuhan CASA (Current Account Saving Account), baik dalam jangka panjang maupun jangka pendek. Berdasarkan temuan ini, disarankan agar program bantuan sosial disertai dengan inisiatif literasi keuangan untuk mendorong penerima bantuan agar lebih memahami pentingnya tabungan. Selain itu, pengembangan produk tabungan yang menarik atau insentif untuk menabung dapat meningkatkan dampak positif terhadap CASA (Current Account Saving Account). PT. Bank Negara Indonesia, Tbk. (PT BNI) acts as an Agent of Development through a collaboration with the Ministry of Education, Culture, Research, and Technology in distributing funds for the Smart Indonesia Program (PIP), which includes PIP for Senior High Schools/Vocational High Schools/Package C and College (KIPK). This study aims to analyze the effect of social assistance program distribution on the growth of Current Account Savings Accounts (CASA). Social assistance distribution is expected to influence people's savings behavior, which has implications for CASA growth. The Ordinary Least Squares (OLS) method used in this study was to identify the relationship between the number of social assistance recipients and CASA growth. The variables analyzed included the number of social assistance recipients, the nominal amount of recipients, and CASA growth. The results indicate that the distribution of social assistance has a significant impact on CASA growth, both in the long and short term. Based on these findings, it is recommended that social assistance programs be accompanied by financial literacy initiatives to encourage recipients to better understand the importance of savings. Furthermore, developing attractive savings products or incentives to save can have a positive impact on Current Account Savings Accounts (CASA).
Zakat Distribution Management: A Systematic Literature Review Maisyarah, Anisa; Hamzah, Muhammad Zilal
Suhuf: International Journal of Islamic Studies Vol. 36 No. 1 (2024): Mei
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/suhuf.v36i1.4357

Abstract

The social function of zakat as a maliyah ijtimaliyah worship will be optimized if there is minimal risk during the distribution process (disbursement risk). This can be achieved when stakeholders directly involved in the distribution process employ effective strategies and possess knowledge of zakat distribution management. This study delves into the literature discussing issues related to zakat distribution management over the past decade. Utilizing a qualitative approach with a systematic literature review, data were sourced from articles indexed by Scopus and Google Scholar. The data collection was facilitated using the Publish or Perish (PoP) software. Selected articles underwent analysis using the VOS Viewer tool to discern trends in the literature concerning zakat distribution management. The findings emphasize the importance of policymakers collaborating with specific entities to oversee zakat funds effectively. Furthermore, enhancing administrative and managerial competencies is crucial. Implementation of wakalah and mudharabah methods is recommended, along with leveraging technology's role in the contemporary digital landscape. The study underscores the significance of proactive measures to mitigate risks and optimize the social impact of zakat distribution. By fostering collaboration, enhancing competencies, and embracing innovative methods, stakeholders can ensure the efficient and equitable distribution of zakat funds. These efforts are essential for fulfilling the socio-religious obligations associated with zakat and maximizing its potential to alleviate poverty and promote social welfare.
Co-Authors Abd Rahman, Nur Hayati Abd. Ghafar b. Ismail Abdul Yusuf Agus Sriyanto Agus Susanto, Eko Ahmad Ahmad Airin Devanty Andhika Suparjan Ardhiani Fadila Ari Mulianta Ginting, Ari Mulianta Arsal, Yon Asma'i , Astuti, Camelia Puji Bustamil, Bustamil Chintia Apriyanti Dewi, Nur Diana Dian Wahyudi Dida Nurhaida Dimyati Dimyati Dini Hariyanti Eferedo, Eferedo Eleonora Sofilda Faaza, Haseena Khalida Fahruroji Fahruroji, Fahruroji Gilberth Suryadi Giri Tri Broto Handoko, Hendro Haris, Muhamad Herawan, Bonny Famedian Hesti Ekawati Hilman Latief Himawan, Aquila Ihsanul Fatta Indah Anggoro Putri indianies janio Iskandar, Adriyansya Islami, Wardah Isnaini Mukti Azis Jadi Suriadi Jati Chandrasasi Jhon Tafbu Ritonga Jhon Talbu Ritonga Kamila Ramadhani Kuncoro Hadi Lidia Wahyuni Luci Irawati M Andrio Mulasaputra Maisyarah, Anisa Makarim, Dina Fornia Meinarsih, Triana Meutia, Astrid Mudakir , Mudakir Mudakir Mudakir Mulyani Safira Munawar, Muhammad Agil Musa Ritonga Natris Idriyani Nindah Warachmah Suharji nirdukita ratnawati, nirdukita Nurhayati Nurhayati Nurwahidin Pardomuan Sihombing, Pardomuan Putri, Indah Anggoro R. Ajeng Entaresmen, R. Ajeng Reska Prasetya Ridhona Fultanegara Rudy Tanjung Rumondang, Haiyani Shafrani Dizar Sipayung, Bonarsius Sobiyanto, Ahmad Suci Romadhona Sulistyowati, Lilies Sutradi Sutardi Tatok Djoko Sudiarto, Tatok Djoko Tri Broto, Giri Tri Handayani Triana Meinarsih Tubagus Irmansah Vissia Dewi Haptari, Vissia Dewi Wahyudi Wahyudi Wahyuni, Lidia Wan Usman, Wan Wibowo, Titis Ari Yurinaldi Yurinaldi Yusuf, Abdul Yusuf, Abdul Yuswar Zainul Basri Zainuddin Siregar ZAINUL ARIFIN Zarwin Sabar Zulkifli Husin, Zulkifli