Garuda - Garba Rujukan Digital

Perkembangan Financial Technology Terkait Central Bank Digital Currency (CBDC) terhadap Transmisi Kebijakan Moneter dan Makroekonomi Soleha, Safnah; Hikmah Indri Yani Harahap; Tri Wina Sabrina; Maryam Batubara
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 3 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i3.23293

The purpose of this study is to determine the development of financial technology related to central bank digital currency (CBDC) on the transmission of monetary and macroeconomic policies. The advancement of financial technology (fintech) continues to show a significant increase in today's digital age. This research uses descriptive qualitative research methods with literature studies. The descriptive method used in this research is to describe the direction or process of research development. In brief, it can be concluded that CBDC is electronic money issued by the central bank and can be accessed universally. on the transmission of monetary policy in Indonesia can be shown by the effect of changes in BI 7DRR on banking rates both deposit and credit rates. If the economy is in recession, Bank Indonesia will implement a loose monetary policy by lowering the benchmark interest rate so that economic activity increases. macroeconomics is part of economics that explores economic events and problems holistically as a unit. Macroeconomics also focuses attention on the role of the state in regulating economic activity. The development of fintech, which is in line with the increasingly wide open access to digital finance, has great potential to increase public access to the financial sector.

Pentingnya Pengetahun Perpajakan dan Kesadaran Masyarakat dalam Membayar Pajak Guna Membantu Kestabilan Ekonomi di Indonesia Fathiya Syahidah Nasution; Dian Zahra Syahfitri Lubis; Hikmah Indri Yani Harahap; Dini Vientiany
Jurnal Ilmiah Ekonomi, Akuntansi, dan Pajak Vol. 1 No. 2 (2024): Juni : Jurnal Ilmiah Ekonomi, Akuntansi, dan Pajak (JIEAP)
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jieap.v1i2.237

The purpose of this research is to find out the importance of taxation knowledge and public awareness in paying taxes to help stabilize the economy in indonesia. taxes are mandatory levies in the form of money that comes from the people and is given to the state government. So, taxes are an obligation for all Indonesian people so that the state is able to gain revenue and carry out development. this research uses qualitative by analyzing previously published documents on the research topic being studied. By having sufficient knowledge about taxation, people will better understand the importance of paying taxes as an obligation that must be fulfilled for the development of the country. In addition, public awareness in paying taxes will also help in reducing the level of tax violations and increasing tax compliance. Therefore, the role of education and socialization regarding taxation and increasing public awareness in paying taxes needs to be continuously improved to achieve the goal of optimal tax revenue in Indonesia.

Differences Between Syariah Money Markets in Indonesia and Kuwait Safnah Soleha; Hikmah Indri Yani Harahap; Adelia Safitri; Maryam Batubara
Jurnal Multidisiplin Sahombu Vol. 5 No. 04 (2025): Jurnal Multidisiplin Sahombu, May - Juny (2025)
Publisher : Sean Institute

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

This study compares the Islamic money markets in Indonesia and Kuwait, focusing on their characteristics, instruments, and regulations. The Islamic money market, operating without riba (interest), gharar (uncertainty), and maisir (speculation), is a vital short-term financial instrument in the global Islamic financial system. Indonesia, as the country with the largest Muslim population, demonstrates a strong commitment to developing its Islamic money market through various regulations and innovative products such as Sharia Bank Indonesia Certificates (SBIS) and State Sharia Securities (SBSN). On the other hand, Kuwait is a pioneer in Islamic finance in the Middle East, possessing a mature Islamic money market strictly regulated by the Central Bank of Kuwait (CBK). Although both are based on Sharia principles, their implementation varies between countries due to factors such as regulation, market infrastructure, adoption rates, and macroeconomic conditions. This research employs a descriptive qualitative literature review using secondary data. The findings indicate that Indonesia excels in instrument diversification and the development of Islamic money market infrastructure, supported by progressive regulations. However, challenges in Indonesia include low Islamic financial literacy and the need for broader instrument diversification. Meanwhile, Kuwait, despite its strong foundation, faces the challenge of high reliance on Commodity Murabahah as a primary instrument, necessitating more diverse product innovation. This comparison is expected to enrich Islamic finance literature and provide practical implications for the global development of Islamic money markets.

Perkembangan Financial Technology Terkait Central Bank Digital Currency (CBDC) terhadap Transmisi Kebijakan Moneter dan Makroekonomi Soleha, Safnah; Hikmah Indri Yani Harahap; Tri Wina Sabrina; Maryam Batubara
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 3 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i3.23293

The purpose of this study is to determine the development of financial technology related to central bank digital currency (CBDC) on the transmission of monetary and macroeconomic policies. The advancement of financial technology (fintech) continues to show a significant increase in today's digital age. This research uses descriptive qualitative research methods with literature studies. The descriptive method used in this research is to describe the direction or process of research development. In brief, it can be concluded that CBDC is electronic money issued by the central bank and can be accessed universally. on the transmission of monetary policy in Indonesia can be shown by the effect of changes in BI 7DRR on banking rates both deposit and credit rates. If the economy is in recession, Bank Indonesia will implement a loose monetary policy by lowering the benchmark interest rate so that economic activity increases. macroeconomics is part of economics that explores economic events and problems holistically as a unit. Macroeconomics also focuses attention on the role of the state in regulating economic activity. The development of fintech, which is in line with the increasingly wide open access to digital finance, has great potential to increase public access to the financial sector.

Analisis Strategi Pemasaran untuk Meningkatkan Penjualan UMKM Ayam Geprek Abizar di Medan Tembung Dian Zahra Syahfitri Lubis; Hikmah Indri Yani Harahap; Mutia Salwa Hutauruk; Zainarti
Fatih: Journal of Contemporary Research Vol. 2 No. 2 (2025): July-December
Publisher : Yayasan Zia Salsabila

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61253/zjd49508

Toko Ayam Geprek Abizar yang beralamat di Jl. Pasar 7, Tembung, Kec Medan Tembung. Toko Ayam Geprek ini tidak hanya menyediakan Ayam Geprek saja, tetapi ada menyediakan topping-nya juga seperti telur dadar, hati ampela, telurpuyuh, tahu-tempe, perkedel, petai goreng dan lain-lain. Fenomena ataupun kejadian yang dapat dirasakan langsung olehpeneliti yaitu, Toko Ayam Geprek Abizar dengan desain bangunan yang sederhana dan tidak mewah, pelayanan yang biasa, dan penjualan produk yang hanya menggunakan strategi mulut ke mulut saja, menyebabkan masih kurangnya omzet sebagaimana yang diharapkan dan yang telah direncanakan. Sehingga tujuan dari penelitian ini adalah untuk mengetahui bagaimana strategi pemasaran untuk meningkatkan penjualan, apa kendala yang dihadapi dan bagaimana Solusi dalam menghadapi strategi pemasaran. Pembahasan penelitian ini berkaitan dengan teori meningkatkan penjualan, UMKM, Strategi Pemasaran, Labelisasi Halal, dan Kendala dalam Pengembangan UMKM. Penelitian ini merupakan jenis penelitian Kualitatif dengan pendekatan deskriptif, menggunakan sumber data primer dan data sekunder. Hasil penelitian ini menunjukkan bahwa strategi yang diterapkan oleh Toko Ayam Geprek Abizar dalam meningkatkanpenjualan yaitu dengan menggunakan strategi marketing mix 9P (product, price, place, promotion, people, process, physical evidence, payment, packaging) yaitu strategi produk, harga, lokasi, promosi, orang, proses, bukti fisik, pembayaran, dan pengemasan.

ANALISIS PERKEMBANGAN DAN TANTANGAN PERBANKAN SYARIAH DI KUWAIT Asnawi Asnawi; Hikmah Indri Yani Harahap; Risa Lidia; Khaidar Rahmaini Jamila
JURNAL ILMIAH EKONOMI DAN MANAJEMEN Vol. 4 No. 1 (2026): Januari
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jiem.v4i1.8260

Islamic banking is a vital component of the global Islamic financial system, particularly in the Gulf Cooperation Council (GCC) region. Kuwait is known as a pioneer in the development of Islamic banking through the establishment of Kuwait Finance House (KFH) in 1977. This study aims to analyze the development of Islamic banking in Kuwait, encompassing its history, profiles of major Islamic banks, products and operational mechanisms, and challenges faced. The research method used was qualitative research with a library research approach. Data was collected from books, scientific journals, official reports, and other relevant documents, then analyzed using content analysis techniques. The results indicate that Islamic banking in Kuwait has experienced significant growth thanks to regulatory support from the Central Bank of Kuwait (CBK) and product innovation based on Sharia principles. However, the industry still faces challenges such as limited human resources, Sharia compliance risks, and the potential for fraud that can impact public trust.

PEMBERDAYAAN MASYARAKAT MELALUI PEMBUATAN SABUN RUMAH TANGGA BERBASIS BIANG SABUN DI DESA KUTAMBELIN Diyanah Fatin; Hikmah Indri Yani Harahap; Angger Gumilang; Hilda Zahra Lubis
BUDIMAS : JURNAL PENGABDIAN MASYARAKAT Vol. 8 No. 1 (2026): BUDIMAS : Jurnal Pengabdian Masyarakat
Publisher : LPPM ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/budimas.v8i1.18830

Permasalahan keterbatasan keterampilan produktif dan tingginya pengeluaran rumah tangga untuk pembelian sabun menjadi latar belakang dilaksanakannya pengabdian masyarakat di Desa Kuta Mbelin. Kegiatan ini bertujuan untuk memberdayakan ibu-ibu PKK dan anggota karang taruna melalui pelatihan pembuatan sabun rumah tangga berbasis biang sabun (KOH) yang dilaksanakan pada 28 Agustus 2025. Metode yang digunakan adalah pelatihan partisipatif dengan pendekatan ceramah, demonstrasi, dan praktik langsung. Sebanyak 30 peserta berhasil memproduksi 50 botol sabun cair dengan wangi dan warna yang berbeda. Hasil evaluasi menunjukkan peningkatan pemahaman peserta dari rata-rata 35% menjadi 90%. Selain itu, 95% peserta mampu mempraktikkan pembuatan sabun secara mandiri dan memahami prosedur keselamatan kerja. Kegiatan ini tidak hanya meningkatkan keterampilan teknis tetapi juga membangkitkan semangat kewirausahaan serta mendorong kemandirian ekonomi masyarakat desa.

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