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All Journal (JIMBE) Jurnal Intelek Dan Cendikiawan Nusantara Journal of Sharia Business Management SYAHADAT: Journal of Islamic Studies
Intan Azzahra
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Religion Humanities Economics, Econometrics & Finance Social Sciences Other

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ANALISIS PERAN PAJAK DAERAH DAN PAJAK PUSAT DALAM PENDAPATAN NEGARA: PERSPEKTIF FISKAL DAN EKONOMI Intan Azzahra; Khoirotun Nisa
Jurnal Intelek Dan Cendikiawan Nusantara Vol. 2 No. 3 (2025): JUNI-JULI 2025
Publisher : PT. Intelek Cendikiawan Nusantara

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Abstract

Pajak adalah sumber penting dari pendapatan pemerintah, yang sangat penting untuk pembangunan dan pembiayaan layanan publik. Di Indonesia, pajak terdiri dari pajak pusat dan lokal, yang masing -masing memainkan peran strategis dalam mempertahankan keuangan negara. Dalam artikel ini, kami menganalisis peran dua pajak dari perspektif keuangan dan ekonomi dengan menyoroti kontribusi, tantangan, dan strategi untuk mengoptimalkan manajemen. Hasil analisis menunjukkan bahwa sementara pajak pusat masih memberikan kontribusi terbesar untuk pendapatan nasional, pajak lokal memainkan peran penting dalam independensi pajak dan mempromosikan pengembangan regional. Sinergi dan keharmonisan antara pajak pusat dan regional diperlukan untuk memobilisasi sumber daya fiskal, mendukung pertumbuhan ekonomi dan meningkatkan efektivitas pengurangan ketidaksetaraan antar wilayah. Mengoptimalkan penelitian pajak melalui digitalisasi dan peningkatan kepatuhan pembayar pajak juga dapat memperkuat kapasitas pajak regional dan pusat untuk mendukung pembangunan nasional yang berkelanjutan.  
STRATEGI MARKETING PEMBIAYAAN BANK SYARIAH DALAM MENDUKUNG PENGEMBANGAN UMKM DI INDONESIA Anita Sari, Cindy; Intan Azzahra; M. Royhan Safdan Muzaki
SYAHADAT: Journal of Islamic Studies Vol. 2 No. 3 (2025): September
Publisher : Academic Solution Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70489/e0sjyn38

Abstract

This study is motivated by the strategic role of Islamic banks in strengthening the financing of Micro, Small, and Medium Enterprises (MSMEs), which are key drivers of Indonesia’s economic growth. The purpose of this research is to analyze the marketing strategies of Islamic bank financing in supporting MSME development. A qualitative research approach was employed using SWOT analysis as the primary method to examine the strengths, weaknesses, opportunities, and threats influencing the effectiveness of Sharia financing marketing. The findings reveal that Sharia-compliant values, flexible financing contracts, strong community networks, and personalized services constitute major strengths of Islamic banks, while low literacy on Sharia contracts, limited digitalization, uneven staff competencies, and restricted branch coverage represent internal weaknesses. Externally, MSME growth, increasing demand for halal financial products, and supportive government policies provide opportunities, whereas competition from conventional banks, fintech platforms, online lending, and low financial literacy pose significant threats. The study concludes that marketing strategies must reinforce Sharia-based approaches and accelerate digital transformation. Recommendations include enhancing Sharia literacy, promoting financing product innovation, and strengthening communitybased marketing.
Tantangan dan Strategi Bank Syariah dalam Mengembangkan Elektronik Bussiness: Studi Kasus di Bank Syariah Indonesia Intan Azzahra; Muhammad Abdillah Pratama Aminullah; Nazli Aulia; Nurbaiti Nurbaiti
Jurnal Ilmu Manajemen, Bisnis dan Ekonomi Vol 3 No 5 (2026): In Press
Publisher : PT Maju Malaqbi Makkarana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59971/jimbe.v3i5.867

Abstract

Transformasi digital menjadi keharusan dalam industri perbankan, termasuk bagi perbankan syariah yang harus mampu beradaptasi dengan teknologi tanpa meninggalkan prinsip-prinsip syariah. Penelitian ini bertujuan untuk mengidentifikasi berbagai tantangan dan strategi yang dilakukan oleh Bank Syariah Indonesia (BSI) dalam mengembangkan layanan electronic business (e-business) yang sesuai dengan nilai-nilai syariah. Penelitian ini menggunakan pendekatan kualitatif deskriptif dengan analisis terhadap literatur ilmiah dan data sekunder dari lima belas jurnal terkini serta studi kasus pada implementasi BSI Mobile sebagai inovasi utama digital banking syariah. Hasil penelitian menunjukkan bahwa tantangan utama yang dihadapi BSI meliputi infrastruktur teknologi yang belum merata, keamanan data dan privasi nasabah, serta keterbatasan kompetensi sumber daya manusia digital. Penelitian ini diharapkan dapat memberikan kontribusi konseptual bagi pengembangan model digitalisasi perbankan syariah serta menjadi rujukan bagi lembaga keuangan lain dalam merancang strategi transformasi digital yang beretika dan berkelanjutan.
STRATEGI MARKETING PEMBIAYAAN BANK SYARIAH DALAM MENDUKUNG PENGEMBANGAN UMKM DI INDONESIA Cindy Anita Sari; Intan Azzahra; Muhammad Ikhsan Harahap
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 4 (2025)
Publisher : CV. Barokah Publsiher

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Abstract

This study examines the role of Islamic banking marketing strategies in supporting the development of Micro, Small, and Medium Enterprises (MSMEs) in Indonesia. Islamic banks have a strategic position in providing Sharia-compliant financing as an alternative source of capital for MSMEs. This research aims to analyze how financing marketing strategies implemented by Islamic banks contribute to MSME growth. A qualitative research approach is employed using SWOT analysis to identify internal strengths and weaknesses, as well as external opportunities and threats affecting the effectiveness of Sharia financing marketing. The findings indicate that compliance with Sharia principles, flexible financing contracts, strong community-based networks, and personalized services represent the main strengths of Islamic banks. However, limited understanding of Sharia contracts among MSME actors, inadequate digitalization, uneven human resource competencies, and restricted branch coverage remain internal challenges. Externally, MSME expansion, increasing demand for halal financial products, and supportive government policies provide significant opportunities, while competition from conventional banks, fintech platforms, online lending services, and low financial literacy pose serious threats. The study concludes that Islamic banks need to strengthen value-based marketing strategies rooted in Sharia principles while accelerating digital transformation. Enhancing Sharia financial literacy, developing innovative financing products, and reinforcing community-oriented marketing are recommended to improve MSME financing outreach.
Co-Authors Anita Sari, Cindy Cindy Anita Sari Harahap, Muhammad Ikhsan Khoirotun Nisa M. Royhan Safdan Muzaki Muhammad Abdillah Pratama Aminullah Nazli Aulia Nurbaiti Nurbaiti