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Alif Azhar
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Computer Science & IT Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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ANALISIS PERTUMBUHAN JARINGAN KANTOR DAN POLA DISTRIBUSI PEMBIAYAAN PADA LEMBAGA KEUANGAN SYARIAH DI INDONESIA Muhamad Hariri Fadilah; Haris Usman; Rangga Primadillah; Alif Azhar; Willy Alija Rahman; Sopian Apandi
Journal of Research and Publication Innovation Vol 3 No 3 (2025): JULY
Publisher : Journal of Research and Publication Innovation

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Penelitian ini bertujuan untuk menganalisis dua aspek penting dalam pengembangan lembaga keuangan syariah di Indonesia, yaitu pertumbuhan jaringan kantor lembaga keuangan syariah (LKS) selama periode 2005–2009 dan struktur distribusi plafon pinjaman pada Pegadaian Syariah. Data dianalisis menggunakan Python, dengan visualisasi tren pertumbuhan jaringan kantor BUS, UUS, BPRS, dan Office Channeling serta analisis kategori rentang pinjaman berdasarkan golongan. Hasil analisis menunjukkan bahwa terjadi peningkatan signifikan dalam jumlah jaringan kantor, terutama pada Office Channeling. Sementara itu, struktur plafon pinjaman menunjukkan sistematika yang konsisten, di mana golongan pinjaman lebih tinggi memiliki rentang plafon dan biaya administrasi yang lebih besar. Hasil penelitian ini memberikan gambaran strategis bagi penguatan kelembagaan dan pengambilan keputusan dalam pengembangan ekonomi syariah di Indonesia.
TRANSFORMASI DIGITAL DAN SISTEM INFORMASI: STRATEGI, TANTANGAN, DAN IMPLEMENTASI DALAM KONTEKS BISNIS MODERN Serina Admi Yuliana; Nabila Putri Candra; Salsa Nabila; Intra Sepriansa; Alif Azhar; Ines Heidiani Ikasa
Journal of Research and Publication Innovation Vol 3 No 4 (2025): OCTOBER
Publisher : Journal of Research and Publication Innovation

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Digital transformation has become a strategic necessity for companies seeking to survive and remain competitive in the modern business era. This study aims to analyze the role of information systems in supporting digital transformation, review the readiness of information technology architecture, identify key challenges such as the digital divide and ethical issues, and evaluate e-commerce strategies as part of digital implementation. The research employs a qualitative method through a literature study. The findings indicate that information systems serve as the foundation for business process integration and data-driven decision-making. An adaptive and agile IT architecture is a crucial prerequisite for addressing rapid technological changes. The main challenges include limited access to technology, low levels of digital literacy, cybersecurity risks, and data privacy concerns. Meanwhile, e-commerce has proven effective in expanding market reach and improving business efficiency when supported by appropriate digital marketing strategies and optimal customer data management. The study concludes that the success of digital transformation is determined by organizational readiness, leadership support, workforce competency development, and strong technology governance.
Co-Authors Haris Usman Ines Heidiani Ikasa Intra Sepriansa Muhamad Hariri Fadilah Nabila Putri Candra Rangga Primadillah Salsa Nabila Serina Admi Yuliana Sopiyan Apandi Willy Alija Rahman