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ANALISIS PENGELOLAAN ALOKASI DANA DESA DI DESA AYULA TILANGO KECAMATAN BULANGO SELATAN
No full textStudy This aim For know How management allocation of village funds contained in the village Come on Tilango based on applicable regulations _ Good regulation from center nor regulation from area . Study This use method qualitative with approach descriptive with use primary data sources obtained in a manner direct from observation and interview as well as outcome data documentation. The research results show that Village Come on Tilango Subdistrict South Bulango deep management finance village specifically management Allocation of Village Funds Already in accordance with what is stated in Regulation of the Minister of Home Affairs Number 20 of 2018 consisting from planning , implementation , administration , reporting , and accountability . As well as the government village Come on Tilango in implementation realization budget village fund allocation Already in accordance with Regulation Regent of Bone Bolango Number 60 of 2022 with prioritize implementation once priority .Penelitian ini bertujuan untuk mengetahui bagaimana pengelolaan alokasi dana desa yang terdapat pada Desa Ayula Tilango berdasarkan pada regulasi yang berlaku baik peraturan dari pusat maupun peraturan dari daerah. Penelitian ini menggunakan metode kualitatif dengan pendeketan deskriptif dengan menggunakan sumber data primer yang diperoleh secara langsung dari observasi dan wawancara serta data hasil dokumentasi. Hasil penelitian yang menunjukan bahwa Desa Ayula Tilango Kecamatan Bulango Selatan dalam pengelolaan keuangan desa khususnya pengelolaan Alokasi Dana Desa sudah sesuai dengan yang tertuang dalam Peraturan Menteri Dalam Negeri Nomor 20 Tahun 2018 yang terdiri dari perencanaan, pelaksanaan, penatausahaan, pelaporan, dan pertanggungjawaban. Serta pemerintah desa Ayula Tilango dalam pelaksanaan realisasi anggaran alokasi dana desa sudah sesuai dengan Peraturan Bupati Bone Bolango Nomor 60 Tahun 2022 dengan mengutamakan pelaksanaan sekala perioritas.
Kata Kunci: Pengelolaan, Alokasi Dana Desa, Keuanga
Analisis Penggunaan Labelisasi Halal pada Produk Minuman Mixue dalam Meningkatkan Kepecayaan Konsumen Muslim di Kota Medan
Get PDFThis study aims to analyze the level of trust of Muslim consumers in Medan City towards Mixue beverage products before and after the application of halal labeling. The research method used is a qualitative method with a descriptive analysis approach. The results of this study indicate that the halal label is very important for Muslim consumers in choosing and buying products, including Mixue beverage products. This is because it is believed that products that have received the halal label have gone through a strict certification process and are in accordance with Islamic sharia principles. In addition, the halal label also gives confidence to Muslim consumers that the product is safe and halal for consumption. Apart from the halal label, this study also found that other factors such as product quality, price, and promotion also influence the decision of Muslim consumers to buy Mixue drinks. However, overall the halal label remains an important factor that producers must pay attention to in marketing Mixue beverage products to Muslim consumers in Medan City. Overall, this research provides useful information for producers in developing appropriate marketing strategies for Mixue beverage products in Medan City.This study aims to analyze the level of trust of Muslim consumers in Medan City towards Mixue beverage products before and after the application of halal labeling. The research method used is a qualitative method with a descriptive analysis approach. The results of this study indicate that the halal label is very important for Muslim consumers in choosing and buying products, including Mixue beverage products. This is because it is believed that products that have received the halal label have gone through a strict certification process and are in accordance with Islamic sharia principles. In addition, the halal label also gives confidence to Muslim consumers that the product is safe and halal for consumption. Apart from the halal label, this study also found that other factors such as product quality, price, and promotion also influence the decision of Muslim consumers to buy Mixue drinks. However, overall the halal label remains an important factor that producers must pay attention to in marketing Mixue beverage products to Muslim consumers in Medan City. Overall, this research provides useful information for producers in developing appropriate marketing strategies for Mixue beverage products in Medan City
Analisis Pengaruh Kinerja Keuangan Daerah terhadap Pertumbuhan Ekonomi di Provinsi Sulawesi Selatan
Get PDFThe purpose of this study was to determine the regional financial performance and economic growth of South Sulawesi Province from 2012 to 2021 because the success of a local government in regulating and funding its area can be seen from its financial performance and economic growth described in Law of the Republic of Indonesia Number 9 of 2015. The method used in this study is a quantitative method using secondary data. In producing the information in this study, ratio measurements were used. There are 3 ratios used, namely the independence ratio, the fiscal decentralization ratio, and the last is the PAD Effectiveness ratio. The results of this study are known that the ratio of independence has no effect and is significant on economic growth, on the ratio of fiscal decentralization with the same result that the ratio of independence has no effect and is significant on economic growth, while the ratio of effectiveness of PAD produces different results, namely the ratio of effectiveness of PAD has an effect and significant to economic growth.The success of a regional government in managing and funding its area can be seen from the financial performance and regional economic growth. The research area is South Sulawesi Province for the 2012-2021 period. The method used in this study is a quantitative method using secondary data. The purpose of this research is to find out regional financial performance and economic growth in South Sulawesi Province. In producing the information in this study, ratio measurements were used, the ratios used were the independence ratio, the fiscal decentralization ratio, and the PAD Effectiveness ratio. The results of this study are known that the ratio of independence has no significant effect on economic growth, the ratio of fiscal decentralization also has no effect and is significant on economic growth, whereas the ratio of effectiveness of PAD produces different results, namely the ratio of effectiveness of PAD has an effect and is significant on economic growth
Qanun of Islamic Financial Institutions Implementation and Cooperatives Responses: Experience from Aceh
Get PDFImplementing Qanun No. 10 of 2018 concerning Islamic Financial Institutions requires that every financial institution in Aceh must operate according to sharia principles. Cooperatives, a financial institution in Aceh, are also required to convert into sharia cooperatives. In the journey of becoming a sharia cooperative, several obstacles are faced. So, this study wants to analyze how the readiness of cooperatives in Aceh to convert into sharia cooperatives. The research uses a qualitative approach with descriptive analysis in the form of a field (filed research). The results found, firstly, several obstacles faced by cooperatives in the conversion process, such as a lack of understanding of cooperative management towards LKS qanuns, lack of support from local governments, burdensome changes to AD/ART, and the lack of cooperative DPS. Conversion process activities can be carried out by changing AD/ART according to sharia legality, changing managerial, IT and contract systems according to sharia, and providing understanding to cooperative management and members about sharia cooperatives. In addition, training and socialization regarding sharia cooperatives are also needed, as well as encouraging religious activities. So to support the conversion process, support from all related parties is needed, such as the Cooperatives and SMEs service, the Aceh Aceh Sharia Council (DSA), and the cooperative.Implementing Qanun No. 10 of 2018 concerning Islamic Financial Institutions requires that every financial institution in Aceh must operate according to sharia principles. Cooperatives, a financial institution in Aceh, are also required to convert into sharia cooperatives. In the journey of becoming a sharia cooperative, several obstacles are faced. So, this study wants to analyze how the readiness of cooperatives in Aceh to convert into sharia cooperatives. The research uses a qualitative approach with descriptive analysis in the form of a field (filed research). The results found, firstly, several obstacles faced by cooperatives in the conversion process, such as a lack of understanding of cooperative management towards LKS qanuns, lack of support from local governments, burdensome changes to AD/ART, and the lack of cooperative DPS. Conversion process activities can be carried out by changing AD/ART according to sharia legality, changing managerial, IT and contract systems according to sharia, and providing understanding to cooperative management and members about sharia cooperatives. In addition, training and socialization regarding sharia cooperatives are also needed, as well as encouraging religious activities. So to support the conversion process, support from all related parties is needed, such as the Cooperatives and SMEs service, the Aceh Aceh Sharia Council (DSA), and the cooperative
Analisis Faktor-Faktor yang Mempengaruhi Minat Menggunakan Paylater dengan Religiusitas Sebagai Variabel Moderasi
Get PDFThe purpose of the research was to analyze the influence of financial literacy, perceived risk and perceived ease of use on the interest in using paylater services with religiosity as a moderating variable among college students in Malang City. This study used a quantitative approach with the study population being students of the Faculty of Economics and Business or the and Faculty of Economics at UIN Malang, Brawijaya University, and State University of Malang. The sampling technique used the Slovin formula and get 390 samples. Data collection technique by distributing questionnaires and then the collected data was processed using SPSS 25 software. The results of this research indicate that financial literacy and ease of use have a significant positive relationship with intention to use paylaters, while risk perception has no effect on intentions to use paylaters. The religiosity as moderator is able to weaken the relationship between perceived ease of use to intention to use paylater. Financial literacy and perceived of risk of interest in using paylater cant be moderate by religiosity variableThe purpose of the research was to analyze the influence of financial literacy, perceived risk and perceived ease of use on the interest in using paylater services with religiosity as a moderating variable among college students in Malang City. This study used a quantitative approach with the study population being students of the Faculty of Economics and Business or the and Faculty of Economics at UIN Malang, Brawijaya University, and State University of Malang. The sampling technique used the Slovin formula and get 390 samples. Data collection technique by distributing questionnaires and then the collected data was processed using SPSS 25 software. The results of this research indicate that financial literacy and ease of use have a significant positive relationship with intention to use paylaters, while risk perception has no effect on intentions to use paylaters. The religiosity as moderator is able to weaken the relationship between perceived ease of use to intention to use paylater. Financial literacy and perceived of risk of interest in using paylater cant be moderate by religiosity variabl
Determinan Niat Untuk Menggunakan Uang Elektronik Syariah : Integrasi TAM dengan Persepsi Religiusitas
Get PDFThe benefits of a transaction can be seen from how the payment system runs efficiently by using the minimum possible cost. the use of e-money is growing very rapidly in Indonesia, but the use of Islamic electronic money is still low. research that can identify factors that have the possibility to influence consumer intention to use electronic money or sharia e-money so as to increase its use in Indonesia. In this study, researchers want to integrate the Tecnology Acceptence model or commonly called TAM which is considered a simple model but has a strong role in predicting and explaining behavioral acceptance intentions with perceived religiosity. this study also considers knowledge of Riba (KR) as a moderating variable that can weaken and streng then the intention to use Islamic e-money which has not been considered by many other studies. The method used quantitative method with 172 samples with data analysis techniques using structural equation modelling (SEM). This study found that the integration of the TAM model and perceived religiosity (PR) can explain the intention to use Sharia electronic money (INT) by 60%. SN, PEU, PR have a significant effect on INT, while PU has no significant effect on INT. KR can also moderate the relationship between SN and INTThe benefits of a transaction can be seen from how the payment system runs efficiently by using the minimum possible cost. the use of e-money is growing very rapidly in Indonesia, but the use of Islamic electronic money is still low. research that can identify factors that have the possibility to influence consumer intention to use electronic money or sharia e-money so as to increase its use in Indonesia. In this study, researchers want to integrate the Tecnology Acceptence model or commonly called TAM which is considered a simple model but has a strong role in predicting and explaining behavioral acceptance intentions with perceived religiosity. this study also considers knowledge of Riba (KR) as a moderating variable that can weaken and strengthen the intention to use Islamic e-money which has not been considered by many other studies. The method used quantitative method with 172 samples with data analysis techniques using structural equation modeling (SEM) This study found that the integration of the TAM model and perceived religiosity (PR) can explain the intention to use Sharia electronic money (INT) by 60%. SN, PEU, PR have a positive and significant effect on INT. KR can also moderate the relationship between SN and INT
Efektivitas Implementasi Sistem Informasi Manajemen BAZNAS dalam Meningkatan Mutu Pengelolaan Zakat, Infaq dan Sedekah
Get PDFThis study aims to examine the application of BAZNAS management information systems in improving the quality of zakat, infaq and donate management at BAZNAS. The method used in this research is descriptive qualitative method. data collection is done by interviews, observation, and documentation. Data analysis was done by data reduction, presented and given a conclusion. The results of the study prove that the implementation of the BAZNAS management information system can improve the quality, performance and professionalism of the management of zakat, infaq and alms to be more effective, starting from the collection, distribution and empowerment of Zakat, Infak and Alms, so as to increase the interest of muzakki to channel their zakat through institutions BAZNAS zakat manager. Factors supporting the implementation of simba at BAZNAS make it easier for amil in collecting and allocating Zakat, Infak and Alms funds. While the inhibiting factor is the lack of understanding of Amil regarding the operation of the SIMBA application. The application of simba was realized well after the amils attended special training related to the SIMBA applicatio
PENGARUH KEBIJAKAN DAN REGULASI PEMERINTAH TERHADAP PEMBERDAYAAN EKONOMI PEREMPUAN MELALUI INKLUSI KEUANGAN
Get PDFWomen\u27s participation in economic activities is very important. The role of women has a broad impact not only on improving the family economy and the national economy, but also in creating jobs. Indonesia, in its G20 Presidency, through its program, W20 Sispreneur, is here to create an inclusive economy to empower womenpreneurs. This program is carried out by providing easy access to capital and digital transformation. Women\u27s empowerment in the economic sector leads to a reduction in cases of violence which have often been caused by economic problems. This research aims to examine the influence of government policies and regulations through financial inclusion on the economic empowerment of women in creative industries specifically for women in South Sulawesi. This research is a type of quantitative research. To achieve the research objectives, explanatory analysis was used using structural equation modeling (SEM-PLS) analysis tools. This research used 126 samples. The research results show that increasing government regulations regarding women\u27s economic empowerment, policies and incentives cause women\u27s economic empowerment to increase. The results of the structural model analysis show that financial inclusion has a positive and significant effect on women\u27s economic empowerment.Partisipasi perempuan dalam kegiatan perekonomian sangat penting. Peran perempuan berdampak luas bukan hanya pada peningkatan ekonomi keluarga dan ekonomi nasional, tetapi juga dalam menciptakan lapangan kerja. Indonesia dalam Presidensi G20 melalui programnya, W20 Sispreneur hadir menciptakan ekonomi inklusif untuk pemberdayaan womenpreneurs. Program ini dilakukan dengan memberikan kemudahan akses permodalan dan transformasi digital. Pemberdayaan perempuan di bidang ekonomi mengarah pada penurunan kasus-kasus kekerasan yang selama ini sering disebabkan oleh masalah ekonomi. Penelitian ini bertujuan untuk menguji pengaruh kebijakan dan regulasi pemerintah melalui inklusi keuangan terhadap pemberdayaan ekonomi perempuan pelaku industri kreatif khas perempuan di Sulawesi selatan. Penelitian ini merupakan jenis penelitian kuantitatif. Untuk mecapai tujuan penelitian digunakan analisis eksplanatori dengan alat analisis structural equation modelling (SEM-PLS). Penelitian ini menggunakan 126 sampel. Hasil penelitian menunjukkan peningkatan peraturan pemerintah mengenai pemberdayaan ekonomi perempuan, kebijakan, dan insentif menyebabkan pemberdayaan ekonomi perempuan meningkat. Hasil analisis model struktural menunjukkan bahwa inklusi keuangan berpengaruh positif dan signifikan terhadap pemberdayaan ekonomi perempuan
The Influence of The Characteristics of Zakat Financial Information on The Quality of Financial Reports of Zakat Institutions in Riau
Get PDFThis study aims to analyze the effect of the characteristics of zakat financial information on the quality of financial reports of zakat institutions in Riau. This study uses primary data obtained by distributing questionnaires to 204 stakeholders who always interact with zakat institutions. Data analysis methods used in this study include research instrument testing and hypothesis testing using multiple regression analysis. The results of this study concluded that partially the characteristics of zakat financial information "understandable", "comparable", and "complete" affect the quality of zakat institutions\u27 financial reports. On the other hand, the characteristics of zakat financial information are "relevant", "reliable", neutral", and "timely" do not affect the quality of zakat institutions\u27 financial reports. Then, simultaneously, zakat financial information is relevant, understandable, reliable, neutral, timely, comparable, and complete which together affect the quality of zakat institutions\u27 financial reports
Analisis Pengaruh Pendapatan Asli Daerah, Dana Alokasi Umum dan Dana Alokasi Khusus Terhadap Pertumbuhan Ekonomi Kabupaten Pamekasan
Get PDFThis study aims to determine and analyze the effect of Regional Original Income, General Allocation Funds, and Special Allocation Funds on the Economic Growth of Pamekasan Regency. The secondary data used was obtained from BPS Pamekasan Regency from 2008 to 2021. The analysis used was multiple linear regression analysis using the BLUE Classical Assumption test with multiple linear analysis tests using the SPSS program. The results of the study show that there is an influence of regional original income and general allocation funds on economic growth, while special allocation funds have no effect on economic growth. Pertumbuhan Ekonomi merupakan indicator dalam menilai keberhasilan suatu pembangunan ekonomi setiap daerah. Target pertumbuhan ekonomi yang tinggi menjadi keharusan bagi setiap pemerintah daerah. Adanya disentralisasi fiskal memberikan kebebasan kepada pemerintah daerah dalam pembuatan kebijakan yang dapat menunjang potensi di daerahnya. Kebijakan tersebut dapat digunakan untuk meningkatkan adanya pendapatan suatu daerah. Untuk mengatasi adanya ketimpangan fiskal yang terjadi, tiap-tiap daerah memiliki sumber dana yang berasal dari pemerintah pusat melalui dana perimbangan. Salah satu yang termasuk dana perimbangan dari pemerintah adalah DAU yang alokasinya bertujuan untuk pemerataan kemampuan keuangan dan DAK yang memiliki peran dalam pembangunan daerah terutama kegiatan khusus dan kegiatan pembangunan fisik. Penelitian ini memiliki tujuan guna mengetahui dan menganalisis pengaruh Pendapatan Asli Daerah, Dana Alokasi Umum dan Dana Alokasi Khusus terhadap Pertumbuhan Ekonomi Kabupaten Pamekasan. Data yang digunakan adalah data sekunder periode 2008-2021 yang diperoleh dari BPS Kabupaten Pamekasan. Analisis yang digunakan adalah analisis regresi linear berganda yang menggunakan uji Asusmsi Klasik BLUE dengan uji analisis linear berganda yang menggunakan bantuan program SPSS. Hasil penelitian menunjukkan bahwa adanya Pengaruh Pendapatan Asli Daerah dan Dana Alokasi Umum terhadap pertumbuhan ekonomi sedangkan Dana Alokasi khusus tidak berpengaruh terhadap pertumbuhan ekonomi.
Kata Kunci: Pendapatan Asli Daerah, Dana Alokasi Umum, Dana Alokasi Khusus, Pertumbuha