The Provincial Government of DKI Jakarta issued Governor Regulation Number 3 of 2018 concerning the elimination of tax administration sanctions (sunset policy) or better known to the public by bleaching. The end of 2019 there were still PKB and BBN arrears, particularly in the South Jakarta City area reaching 15 billion. The results showed the realization of motor vehicle tax revenue of Rp 115,917,771,730, - there was a reduction of Rp 108,247,742,466, - meaning there were still motor vehicle tax arrears of around 7.5 billion. This problem arises because the socialization of bleaching information is still not optimal, the low public interest in the program, and the low tax compliance. This statement emerged from the results of a survey of respondents who stated that the responsive attitude to the sunset policy reached 88.5%, of which 47.9% stated the respondents agreed to the policy of eliminating motor vehicle administration sanctions but they had not used it, in other words, the sunset policy make public interest to obey pay taxes increases. So that the important role of the DKI Jakarta Regional Tax and Retribution Agency (BPRD) will immediately improve tax administration, improve services, systematically and continuously educate taxpayers and ensure law enforcement.

Sebagai salah satu segmen dengan pertumbuhan tercepat baik di sektor teknologi maupun keuangan, Teknologi Finansial (Fintech) telah merevolusi dunia keuangan. Fintech menyatukan komunitas keuangan dan membuat layanan keuangan tersedia untuk semua orang dengan memanfaatkan prinsip-prinsip dasar teknologi Blockchain. Fintech memiliki implikasi luas untuk keuangan Islam, yang meliputi perbankan, investasi, asuransi (takaful), dan manajemen kekayaan. Buku ini memberikan pemeriksaan mendalam tentang bagaimana Fintech membentuk industri keuangan Islam di tiga bidang utama: digitalisasi, pengembangan, dan disrupsi. Buku ini akan memberikan informasi tentang Shariahtech (Fintech yang menganut prinsip Syariah) dan penerapannya di industri keuangan syariah. Buku ini juga memberikan ikhtisar tentang evolusi Blockchain dan Fintech, serta bagaimana mereka berfungsi sebagai dasar lanskap keuangan digital. Pembaca buku ini juga akan mendapatkan pemahaman menyeluruh tentang perspektif Islam tentang cryptocurrency, serta penggunaan kontrak pintar di berbagai layanan keuangan Islam. Buku tersebut memberikan gambaran rinci tentang aplikasi Blockchain dan Fintech di bidang keuangan syariah untuk mahasiswa, akademisi, dan peneliti.

Ijarah is a contract for the transfer of usufructuary rights over goods or services, through payment of rental wages, without being followed by a transfer of ownership of the goods themselves. The context of ijarah in Islamic banking is a lease contract in which a bank or financial institution leases equipment to one of its customers based on a definite predetermined cost. The research method is qualitative with a comparative study approach. Data collection techniques include observation, documentation, and deep interviews. The object of this research was carried out in the Yogyakarta area. The findings of the ijarah case presented in this study indicate that the services created jointly by customers, service organizations (Islamic banks), and assisting parties divide their roles into sub-roles assigned to individuals. This research provides a basic understanding of the development of a sharia service model, which can complement the current IFM to holistically capture both economic transactions and service elements, which are currently prevailing in the Islamic banking market.

Innovation is one of the efforts to improve performance in Islamic banking. The purpose of innovation is not only to reduce costs, but is a reason for improving the quality of products and services. This research aims to find out the development and management of product and service innovation in Islamic banking transactions. This research uses qualitative methods, where qualitative methods are a method that uses observation or interview. The findings in this study show that the innovation of services in transactions using Bittamlik's muntahiya ijarah aims to develop accommodating market needs and consumer needs. Because this transaction is a development of the ijarah transaction, the provisions also follow the provisions of Ijarah

Marketing strategy is very important for a company, both small and large companies, especially when they want to develop the company and increase the number of consumers, as well as companies owned by PP. Riyadlul Jannah Pacet Mojokerto, there are many businesses owned by PP. Riyadlul Jannah Pacet Mojokerto includes the Meriah Kitchen Restaurant, M2M ,. Agri Bisnis, Rijan Mart, Franchese, Grilled Chicken Wong Solo, Shake Noodle Mang Uci Bandung, Quick Chicken, Organic Vegetable Mayur, Giant Super Market, Hero Super Market, Chicken Slaughterhouse, Rijan Mineral Water. Marketing strategy theories of many kinds, including: segmentation, Determining Target Markets, and Determining Market Position, marketing mix includes product creation, pricing, promotion, distribution, participants, processes and the physical environment. All of these strategies are theories of marketing strategies that are widely used by many companies. The research method used is a qualitative method which includes data sources both primary data and secondary data, data collection techniques namely observation, interviews, documentation, data analysis techniques namely editing and organizing, checking the validity of the data, and the research stage. All of this researchers use to find research results. Furthermore, the data contains an overview of the object of research and data obtained from interviews and other documents related to marketing, then a discussion contains the strategic strategies used to market the product and the constraints and solutions. The closing contains the conclusions from the discussion of the marketing strategy and the constraints and solutions, then also the suggestions given by the writer regarding the marketing strategy. merupakan sebuah ringkasan isi dari sebuah karya tulis ilmiah yang ditujukan untuk membantu seorang pembaca agar dapat dengan mudah dan cepat untuk melihat tujuan dari penulisannya

Abstact:This article analyzes the impact of global financial crisis to Indonesian banking condition, a comparison between shari'ah and conventional bank. It starts with description about the root of financial crisis and its impact to Indonesian financial sector. Both shari'ah and conventional bank face the effects of the crisis and react to Bank Indonesia policy. As Bank Indonesia raises BI rate, conventional bank increases its interest as response to policy which mean businessmen have to pay higher for money they borrow from bank. Such a condition makes businessmen move to shari'ah bank in which its profit and losing share financing system make them pay the same amount as they borrow. The article concludes that sharia banking is stronger than conventional bank in facing financial crisis. A. PendahuluanKrisis keuangaan yang terjadi di Amerika Serikat (AS) ternyata telah mempengaruhi wajah keuangan global. Negara-negara di wilayah Eropa seperti Islandia, Rusia, Belanda, Inggris, Perancis, Jerman, demikian juga dengan di wilayah Asia-Pasifik, seperti Cina, Taiwan, Singapura, Philipina, Jepang, dan Australia terkena dampak krisis. Dampak krisis yang dihadapi negara-negara tersebut pada umum adalah meningkatnya inflasi, turunnya nilai tukar, turunnya pertumbuhan ekonomi, runtuhnya indeks bursa dan sejumlah bank/institusi keuangan/korporasi mengalami kesulitan keuangan atau bangkrut.Dampak langsung krisis keuangan ini bagi Indonesia adalah kerugian beberapa perusahaan di Indonesia yang berinvestasi di institusiinstitusi keuangan Amerika Serikat. Perusahaan keuangan ataupun non bank yang mengalokasikan dana pada sumber pendapatan alternatif, melalui pembelian saham atau obligasi pada instrumen keuangan asing, seperti Citigroup, UBS, Merril Lynch, Morgan Stanley, Lehman Brothers,

Zakat merupakan bagian dari instrumen keuangan Islam yang memiliki salah satu fungsi untuk mengentaskan kemiskinan. Hal tersebut merupakan garis singgung yang paling signifikan terhadap tujuan pembangunan ekonomi masyakarat berkelanjutan (SDGs) yang merupakan bentuk komitmen global dalam memacu pertumbuhan ekonomi kearah lebih baik. Jenis penelitian ini merupakan penelitian deskriptif dari organisasi pengelolah zakat, akademisi, pemerintah dan praktisi. Teknik yang digunakan adalah teknik purposive sampling di mana objek kajian dalam penelitian ini adalah para pakar zakat yang ada di Kabupaten Jember. Adapun hasil penelitian ini menunjukkan bahwa prioritas pelaksanaan distribusi zakat dalam mendukung pembangunan ekonomi masyarakat berkelanjutan ialah aspek sosial dengan rater agrement W=0,36444. Pendapat responden dalam menemukan solusi prioritas bervariatif, yaitu W=0,3032. Adapun strategi dalam pembangunan ekonomi masyarakat berkelanjutan menunjukkan bahwa key person hampir semuanya sepakat (W= 0,4538). Ada empat strategi yaitu: 1) Meningkatkan kualitas dan kuantitas kepedulian lembaga sosial masyarakat dan stakeholder; 2) Meningkatkan pengurangan resiko bencana secara komprehensif dan efisien; 3) Meningkatkan  kualitas penegak hukum yang berkeadilan, dan  4) Meningkatkan lapangan pekerjaan dan kepedulian terhadap UMKM masyarakat.

This paper aims to find out the results of Nidhal Guessoum's thoughts on his studies on Islam and contemporary science issues contained in his book entitled "Islam's Quantum Question: Reconciling Muslim Tradition and Modern Science". Nidhal Guessoum's thoughts in the book, particularly in the Islamic section and contemporary science issues that can be understood through the four subsections he divides namely (1) Islam and Cosmology, which discuss Islam about the way one expresses his views freely; (2) Islam and the Rancanan Argument, which is about Islam and the arguments expressed by men such as about the law or social experience; (3) Islam and the Anthropic Principle, which deals with Islam and the revolution of human scientific thought, and (4) Islam and Evolution, which is to discuss Islam and the process of human evolution based on Darwin's theory. Tulisan ini bertujuan untuk mengetahui hasil pemikiran Nidhal Guessoum tentang kajian Islam dan isu-isu sains kontemporer yang tertuang dalam bukunya yang berjudul “Islam’s Quantum Question: Reconciling Muslim Tradition and Modern Science”. Pemikiran Nidhal Guessoum dalam buku tersebut, khususnya pada bagian Islam dan isu-isu sains kontemporer yang dapat dipahami melalui empat sub-bab yaitu, (1) Islam dan Kosmologi, yakni yang membahas mengenai Islam kaitannya dengan cara seseorang mengutarakan pandangan-pandangannya secara bebas; (2) Islam dan Argumen Rancanan, yakni yang membahas mengenai Islam dan argumen-argumen yang diutarakan manusia seperti tentang hukum atau pengalaman sosial; (3) Islam dan Prinsip Antropik, yakni yang membahas tentang Islam dan revolusi pemikiran ilmiah manusia, serta (4)Islam dan Evolusi, yakni membahas tentang Islam dan proses evolusi manusia berdasarkan teori Darwin.