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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah An-Nisbah : Jurnal Perbankan Syariah JAKBS JEBD
Indah Tri Sari Harahap
Universitas Islam Negeri Sumatera Utara
Economics, Econometrics & Finance Engineering Social Sciences

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Tantangan Penerapan Pajak Karbon Di Indonesia Upaya Mengatasi Dampak Perubahan Iklim Dan Mendukung Pembangunan Ekonomi Berkelanjutan Indah Tri Sari Harahap; Keisya Putri Balqis; Zulfahri Salim; Dini Vientiany
Jurnal Ekonomi dan Bisnis Digital Vol. 1 No. 4 (2024): April - Juni
Publisher : CV. ITTC INDONESIA

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Abstract

The purpose of this research is to find out how the challenges of carbon tax implementation in indonesia against the impact of climate change and supporting sustainable economic development, carbon tax is a tax imposed on the massive release of emissions through the burning of carbon-based fossil fuels. In conducting this research, the method used is library research, which involves in-depth analysis and evaluation of various relevant literature sources. This research provides an in-depth understanding of these complexities and their influence on sustainable economic development in Indonesia. The level of effectiveness of cooperation between government, industry and society in formulating a sustainable carbon tax policy in Indonesia is an important aspect in the discussion of the successful implementation of the policy. Close collaboration between the three entities will play a crucial role in ensuring that the carbon tax policy is well implemented and positively impacts Indonesia's sustainable economic development efforts.
Perlindungan Hukum dalam Mengantisipasi dan Menangani Kerugian Nasabah Akibat Scam Melalui Link Phising pada Mobile Banking Indah Tri Sari Harahap; Alya Arianti Nasution; Keisya Putri Balqis; Wahyudin; Nikmah Dalimunthe
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 10 No 5 (2025)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v10i5.30415

Abstract

With the presence of digital transformation in the financial sector, it makes significant convenience for the community, but adds to cybercrime. One of the threats that often occurs is digital fraud that uses user negligence through fake links that resemble official banking services. This research is intended to examine how legal protection to protect customers and how mechanisms to prevent and handle losses are carried out. The research method used is descriptive qualitative using a literature approach through the study of scientific journals, books, and existing laws. The results of the research show that regulations have regulated the obligations of banks when maintaining system security as well as providing a complaint mechanism for customers. That way, there are still obstacles to the application of legal protection, especially regarding low digital literacy and difficulty of proof. The research conclusion prioritizes the need to strengthen regulations, increase public education, and maximize banking responsibilities. Collaboration between regulators, banking institutions, and the community as the main foundation in shaping security, justice, and continuity in the digital banking system.
Transformasi Digital Perbankan Syariah: Strategi Menjaga Stabilitas Dan Relevansi Di Era Fintech Global Khaidar rahmaini jamila; Adelia Safitri; Alya Arianti Nasution; Indah Tri Sari Harahap
Jurnal Akuntansi Keuangan dan Bisnis Vol. 3 No. 3 (2025): Oktober - Desember
Publisher : CV. ITTC INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62379/jakbs.v3i3.3844

Abstract

Advances in digital technology are supporting significant changes in the Islamic banking industry globally. Fintech innovations influence service patterns, business models, and customer expectations for speed and ease of transactions. This study aims to explain the implementation of digitalization in Islamic banking operations, strategies to maintain stability through digital transformation, and its role in maintaining relevance amid global fintech competition. The method used is descriptive qualitative using a literature analysis approach and several documents. The results show that digitalization increases the level of service efficiency, strengthens risk management, and supports product innovation according to sharia principles. Digital transformation also contributes to maintaining financial system stability as well as increasing the reach of service inclusion. These findings confirm the need for a planned and sustainable digital strategy for Islamic banking. This effort encourages competitiveness, public trust, and the application of the Islamic financial industry in the global economic environment dynamically as well as competitively and sustainably in the future.
Analisis Determinan Keunggulan Islamic Banking Ecosystem pada Generasi Z: Studi Kasus Mahasiswa FEBI UIN Sumatera Utara Indah Tri Sari Harahap; Nurlaila; Yusrizal
An-Nisbah: Jurnal Perbankan Syariah Vol. 7 No. 2 (2026): An-Nisbah: Jurnal Perbankan Syariah
Publisher : Program Studi Perbankan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51339/nisbah.v7i2.5401

Abstract

Meningkatnya persaingan layanan perbankan digital dan kebutuhan untuk determinan loyalitas nasabah generasi Z. Penelitian ini bertujuan untuk menganalisis pengaruh kepatuhan syariah dan kemudahan mobile banking terhadap loyalitas nasabah pada mahasiswa FEBI UIN Sumatera Utara. Metode penelitian yang digunakan adalah kuantitatif asosiatif dengan populasi sebanyak 4.556 mahasiswa dan sampel sebanyak 98 responden yang dipilih menggunakan teknik probability Sampling. Data dianalisis menggunakan regresi linear berganda melalui perangkat lunak SPSS. Hasil penelitian menunjukkan bahwa secara parsial, kepatuhan syariah berpengaruh positif dan signifikan terhadap loyalitas nasabah (t=2,013; p=0,047). Kemudahan mobile banking juga memberikan pengaruh positif dan signifikan yang lebih dominan terhadap loyalitas (t=7,441; p=0,000). Secara simultan, kedua variabel tersebut berkontribusi sebesar 55,6% terhadap variasi loyalitas nasabah, sementara sisanya dipengaruhi faktor lain di luar model. Temuan ini menegaskan bahwa integrasi antara integritas nilai religius dan keunggulan fungsional teknologi merupakan determinan kritis bagi perbankan syariah dalam memenangkan persaingan di pasar digital.
Co-Authors Adelia Safitri Alya Arianti Nasution Dini Vientiany Keisya Putri Balqis Khaidar Rahmaini Jamila Nikmah Dalimunthe Nurlaila Wahyudin Yusrizal Zulfahri Salim