PARETO : Jurnal Ekonomi dan Kebijakan Publik
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Fakultas Ekonomi Universitas Prof. Dr. Hazairin, SH. Bengkulu
IMPLEMENTATION OF THE SCHOLARSHIP DISTRIBUTION POLICY FOR FORMER FOSTERED CHILDREN FROM THE SOCIAL SERVICES OF SURABAYA CITY
The Foster Child Scholarship Program for Former Localization Areas has been running for quite a long time, but in the implementation of the program it is necessary to conduct an assessment to determine how the policy is implemented and the factors that influence its success. This program was created as a form of compensation by the Surabaya City Government for communities affected by the closure of localization areas. This study aims to analyze the distribution process of the Former Localization Scholarship and whether it has been effective for the community. This study uses a descriptive qualitative method by conducting in-depth interviews with the Social Service, recipients of the Former Localization Scholarship, observations, and documentation, as well as factual information analysis regarding the form of the policy implementation process of the Former Localization Scholarship in Surabaya. The results of the study indicate that the implementation of the Foster Child Scholarship Distribution Policy for Former Localization Areas at the Surabaya City Social Service has been carried out well; the program has clear targets and has been able to provide benefits for the beneficiaries. This study still found several obstacles in policy implementation, such as the limited understanding of some community members regarding the program mechanism, the utilization of assistance that has not been entirely in accordance with educational purposes, as well as the diverse social and economic conditions of the beneficiaries' families. This program no longer accepts new beneficiaries and only continues the policies that have been implemented previously, therefore it is important to examine the implementation of the policy in its execution.
Copyright (c) 2026 PARETO : Jurnal Ekonomi dan Kebijakan Publik https://doi.org/10.32663/1vjger74
DETERMINAN PERTUMBUHAN INKLUSIF DI PULAU SUMATERA
Penelitian ini bertujuan untuk menganalisis pengaruh Pengeluaran Pemerintah, Pendidikan, dan Investasi terhadap Pertumbuhan Inklusif di Sumatera pada periode 2019 hingga 2024. Metode analisis yang digunakan adalah regresi data panel dengan pendekatan Fixed Effect Model. Hasil penelitian menunjukkan bahwa ketiga variabel independen berpengaruh signifikan, dengan nilai R-Square sebesar 54,23%. Secara parsial, Pengeluaran Pemerintah memiliki pengaruh positif dan signifikan. Ini menunjukkan bahwa alokasi anggaran belanja publik telah efektif dalam mendorong pembangunan yang merata. Sebaliknya, Pendidikan berpengaruh negatif yang mengindikasikan adanya ketidaksesuaian antara output dunia pendidikan dan kebutuhan pasar kerja lokal, yang memicu pengangguran terdidik. Variabel Investasi juga menunjukkan pengaruh negatif dan signifikan, mencerminkan bahwa arus modal yang masuk ke Sumatera masih didominasi oleh sektor padat modal dan belum optimal dalam menyerap tenaga kerja lokal. Pemerintah daerah di Sumatera direkomendasikan untuk meningkatkan kualitas belanja publik, menyelaraskan kurikulum pendidikan dengan industri lokal, serta merumuskan regulasi insentif bagi investasi yang bersifat padat karya untuk mengurangi ketimpangan ekonomi.
Copyright (c) 2026 PARETO : Jurnal Ekonomi dan Kebijakan Publik https://doi.org/10.32663/hrwb7k30
PENGARUH NEPOTISME DAN MONEY POLITIK TERHADAP ELEKTABILITAS CALON LEGISLATIF PADA PEMILIHAN LEGISLATIF TAHUN 2024 (STUDI : CALON LEGISLATIF DPRD PROVINSI BENGKULU DAPIL KOTA DARI PARTAI AMANAT NASIONAL)
Nepotism and money politics remain prevalent in legislative elections in Indonesia. This study examines the influence of nepotism and money politics on the electability of legislative candidates (Caleg) from the National Mandate Party (PAN) in the 2024 Bengkulu Provincial Legislative Election, Bengkulu City Constituency. Using a quantitative approach with a survey of 70 respondents registered as permanent voters (DPT), data were analyzed through simple and multiple linear regression. The results show that nepotism has a positive and significant effect on electability (t = 3.374, sig. = 0.001, R² = 0.143), and money politics also has a positive and significant effect (t = 3.688, sig. = 0.000, R² = 0.167). Simultaneously, both variables significantly influence electability (F = 1626, sig. = 0.000, R² = 0.980). Nepotism was evidenced by the involvement of the Acting Mayor of Bengkulu in campaigning for his wife, Dwi Ratnawati, who obtained 13,769 votes. These findings confirm that non-formal factors such as nepotism and money politics significantly shape voter behavior and candidate electability in the Indonesian legislative election context, while also posing serious risks to democratic quality.
Copyright (c) 2026 PARETO : Jurnal Ekonomi dan Kebijakan Publik https://doi.org/10.32663/5m0a2z94
LITERASI KEUANGAN SEBAGAI KANAL BARU TRANSMISI KEBIJAKAN MONETER: SISTEMATIS LITERATUR REVIEW
Efektivitas transmisi kebijakan moneter tidak hanya ditentukan oleh instrumen kebijakan dan struktur pasar keuangan, tetapi juga oleh kemampuan masyarakat dalam memahami serta merespons informasi ekonomi. Namun demikian, kajian mengenai peran literasi keuangan dalam mekanisme transmisi kebijakan moneter masih relatif terbatas dan berkembang secara terpisah dalam literatur. Penelitian ini bertujuan untuk mengidentifikasi perkembangan penelitian mengenai hubungan antara literasi keuangan dan transmisi kebijakan moneter, menganalisis kesenjangan penelitian yang masih ada, serta mengembangkan kerangka konseptual baru mengenai kanal literasi keuangan dalam transmisi kebijakan moneter. Penelitian menggunakan metode Systematic Literature Review (SLR) dengan mengadopsi pedoman PRISMA 2020. Sebanyak 30 artikel ilmiah yang diterbitkan pada periode 2015–2026 dan terindeks dalam basis data Scopus dan Web of Science dianalisis secara sistematis. Hasil kajian menunjukkan bahwa literasi keuangan berperan dalam meningkatkan pemahaman rumah tangga terhadap perubahan suku bunga, ekspektasi inflasi, serta keputusan konsumsi dan tabungan. Namun, sebagian besar penelitian masih membahas literasi keuangan dan transmisi kebijakan moneter secara terpisah sehingga belum menghasilkan kerangka teoritis yang terintegrasi. Berdasarkan sintesis literatur, penelitian ini mengusulkan konsep Kanal Literasi Keuangan sebagai mekanisme yang menjelaskan bagaimana kemampuan memahami informasi keuangan dapat memperkuat efektivitas transmisi kebijakan moneter pada tingkat rumah tangga. Temuan ini memberikan kontribusi terhadap pengembangan teori ekonomi moneter serta implikasi kebijakan bagi peningkatan literasi keuangan masyarakat.
Copyright (c) 2026 PARETO : Jurnal Ekonomi dan Kebijakan Publik https://doi.org/10.32663/avkach09
TREN DIGITALISASI PENGELOLAAN KEUANGAN PEMERINTAH DALAM MENINGKATKAN TRANSPARANSI DAN AKUNTABILITAS PUBLIK
Digitalisasi pengelolaan keuangan pemerintah merupakan salah satu agenda reformasi birokrasi yang tengah masif diimplementasikan di berbagai negara berkembang, termasuk Indonesia. Kajian ini bertujuan untuk mengidentifikasi tren, pola, dan temuan utama dari literatur yang membahas digitalisasi keuangan sektor publik beserta dampaknya terhadap transparansi dan akuntabilitas publik. Dengan menggunakan pendekatan Systematic Literature Review (SLR) berbasis protokol PRISMA 2020, sebanyak 47 artikel dari basis data Scopus, Web of Science, dan Google Scholar yang diterbitkan antara tahun 2015–2024 dianalisis secara sistematis. Hasil kajian menunjukkan bahwa implementasi teknologi seperti sistem informasi keuangan daerah (SIKD), e-budgeting, e-procurement, Sistem Perbendaharaan dan Anggaran Negara (SPAN), dan blockchain terbukti secara signifikan meningkatkan transparansi, efisiensi, dan akuntabilitas keuangan pemerintah. Namun, ditemukan pula hambatan kritis meliputi kesenjangan infrastruktur digital, kapasitas sumber daya manusia yang belum memadai, resistensi organisasional, dan kerentanan keamanan siber. Kajian ini merekomendasikan pendekatan transformasi digital yang komprehensif dan berkelanjutan sebagai prasyarat keberhasilan reformasi keuangan publik.
Copyright (c) 2026 PARETO : Jurnal Ekonomi dan Kebijakan Publik https://doi.org/10.32663/714mc117
TRANSFORMASI DIGITAL DALAM SISTEM KEUANGAN PEMERINTAH DAERAH DI ERA SMART GOVERNANCE
Pemerintah daerah di Indonesia menghadapi tuntutan transformasi digital yang semakin intensif dalam pengelolaan keuangan publik, terutama dalam konteks paradigma smart governance yang mengedepankan interkonektivitas data, kecepatan layanan, dan akuntabilitas berbasis teknologi. Penelitian ini bertujuan untuk melakukan sintesis sistematis terhadap literatur terkini (2020–2025) mengenai transformasi digital sistem keuangan pemerintah daerah, mengidentifikasi model-model implementasi yang berhasil, menganalisis faktor penentu keberhasilan, serta mengeksplorasi tantangan yang dihadapi dalam konteks smart governance. Dengan menggunakan metode Systematic Literature Review (SLR) yang mengikuti panduan PRISMA 2020, sebanyak 25 artikel dari basis data Scopus, Web of Science, Google Scholar, dan repositori jurnal nasional terakreditasi dianalisis secara mendalam. Temuan menunjukkan bahwa integrasi platform digital berbasis cloud, penggunaan Business Intelligence (BI) dalam perencanaan anggaran, implementasi e-government terintegrasi, dan pemanfaatan data analitik untuk pengawasan fiskal menjadi pilar utama transformasi digital keuangan daerah. Penelitian ini juga menemukan bahwa keberhasilan transformasi sangat bergantung pada ekosistem digital yang matang, kepemimpinan transformasional kepala daerah, dan ketersediaan regulasi yang adaptif. Implikasi penelitian ini relevan bagi pengambil kebijakan di pemerintah pusat dan daerah dalam merancang roadmap transformasi digital yang komprehensif.
Copyright (c) 2026 PARETO : Jurnal Ekonomi dan Kebijakan Publik https://doi.org/10.32663/mv33a582
ANALISIS IMPLEMENTASI KEBIJAKAN SDG 8 DALAM PENGEMBANGAN DESA WISATA ALAMENDAH BERBASIS KOLABORASI PENTAHELIX
Penelitian ini bertujuan untuk menganalisis implementasi kebijakan Sustainable Development Goals (SDGs) khususnya tujuan ke-8 tentang pekerjaan layak dan pertumbuhan ekonomi dalam pengembangan desa wisata di Desa Alamendah. Pengembangan desa wisata dinilai sebagai salah satu strategi yang dapat mendorong pertumbuhan ekonomi lokal sekaligus membuka peluang kerja bagi masyarakat desa. Penelitian ini juga melihat bagaimana peran kolaborasi pentahelix yang melibatkan pemerintah, akademisi, pelaku usaha, masyarakat, dan media dalam mendukung pelaksanaan kebijakan tersebut. Metode penelitian yang digunakan adalah pendekatan kualitatif dengan teknik studi literatur dan analisis dokumen. Data penelitian diperoleh dari berbagai sumber seperti laporan kebijakan, artikel jurnal ilmiah, buku akademik, serta dokumen terkait pengembangan Desa Wisata Alamendah yang tersedia secara daring. Data yang terkumpul kemudian dianalisis secara deskriptif untuk memahami bagaimana implementasi kebijakan tersebut dijalankan serta faktor-faktor yang memengaruhi pelaksanaannya.
Copyright (c) 2026 PARETO : Jurnal Ekonomi dan Kebijakan Publik https://doi.org/10.32663/e65byx57
Sinergi Pemerintah, Kampus, dan Swasta dalam Implementasi SDGs 17: Praktik Baik Pemberdayaan Ekonomi di Kecamatan Tambaksari
Pencapaian agenda Sustainable Development Goals (SDGs), secara khusus pada Tujuan 17 mengenai Kemitraan untuk Mencapai Tujuan, merupakan instrumen prasyarat dalam mengurai masalah kemiskinan di perkotaan. Artikel ini bertujuan mengkaji implementasi tata kelola kolaboratif berbasis Pentahelix di Kecamatan Tambaksari, Kota Surabaya. Sebagai wilayah padat penduduk, Tambaksari menginisiasi intervensi ekonomi yang melampaui pendekatan struktural tunggal dari pemerintah. Penelitian menggunakan pendekatan kualitatif deskriptif berbasis studi literatur dan dokumentasi kebijakan daerah yang valid. Hasil penelitian menunjukkan bahwa Pemerintah Kota Surabaya bergeser peran menjadi orkestrator melalui penerbitan regulasi afirmatif seperti Program Padat Karya. Kesuksesan program ini didukung oleh kehadiran Perguruan Tinggi (kampus) yang memberikan pendampingan manajerial dan inovasi produk bagi UMKM, serta sektor Swasta yang menyalurkan pendanaan dan membuka rantai pasok (supply chain). Komunitas di tingkat akar rumput dan media massa melengkapi ekosistem ini dengan menjaga keberlanjutan motivasi serta merekonstruksi citra wilayah. Kesimpulan dari penelitian ini menegaskan bahwa pelembagaan kolaborasi lintas sektor sangat fundamental dalam menciptakan kemandirian ekonomi, meskipun tantangan terkait sinkronisasi data antar-aktor masih perlu dibenahi.
Copyright (c) 2026 PARETO : Jurnal Ekonomi dan Kebijakan Publik https://doi.org/10.32663/cr8bce07
Hubungan Belanja Pemerintah Sektor Pendidikan dan Kesehatan dengan Pertumbuhan Ekonomi: di Provinsi Jawa Barat
This study aims to analyze the effect of government expenditure in the education and health sectors on economic growth across 27 Regencies and Cities in West Java Province. West Java serves as a crucial research locus due to its status as the most populous province and a national industrial hub, despite experiencing economic fluctuations caused by the Covid-19 pandemic. The study utilizes panel data from 27 administrative regions spanning the period 2019 to 2025. The analytical method employed is panel data regression, with the Fixed Effect Model (FEM) selected as the best-fitting model. Statistical results indicate that government expenditure in the education sector has a significant effect on economic growth, as evidenced by a probability value of 0.0035 (< 0.05). However, the negative coefficient suggests that in the short term, education spending acts as a fiscal burden or has not yet yielded immediate returns. Conversely, health sector expenditure does not significantly influence economic growth (probability value 0.4642 > 0.05). This is attributed to health allocations being predominantly curative and maintenance-oriented post-pandemic, thereby failing to generate a rapid multiplier effect. Simultaneously, the independent variables explain 18.6% of the variance in West Java's economic growth.
Copyright (c) 2026 PARETO : Jurnal Ekonomi dan Kebijakan Publik https://doi.org/10.32663/cbe2d126
Implementasi Kebijakan Penanganan Kekerasan Dalam Rumah Tangga (KDRT) oleh Unit Perlindungan Perempuan dan Anak (PPA) Polres Lahat
Abstract. Domestic Violence (KDRT) remains a serious violation of human rights with significant impacts, particularly on women and children. The Indonesian government has established Law Number 23 of 2004 on the Elimination of Domestic Violence as the legal basis for handling such cases, with the police playing a crucial role in policy implementation. This study aims to analyze the implementation of domestic violence handling policies by the Women and Children Protection Unit (PPA) of Lahat Police Resort and to identify supporting and inhibiting factors affecting its implementation. This research employs a qualitative method with a descriptive approach. Data were collected through in-depth interviews, observation, and documentation. Policy implementation was analyzed using Edwards III’s framework, which includes communication, resources, disposition, and bureaucratic structure. The findings indicate that the implementation of domestic violence handling policies by the PPA Unit of Lahat Police Resort has generally followed existing regulations but has not yet been fully optimal. Major obstacles include limited resources, victims’ reluctance to report cases, cultural influences and social stigma, as well as difficulties in evidence collection. This study recommends strengthening institutional resources, enhancing policy socialization, and improving cross-sector coordination to increase the effectiveness of domestic violence handling and victim protection.
Keywords: policy implementation, domestic violence, PPA Unit, Edwards III, police
Copyright (c) 2026 PARETO : Jurnal Ekonomi dan Kebijakan Publik https://doi.org/10.32663/msnwks93
KEBIJAKAN PENINGKATKAN DISPLIN APARATUR SIPIL NEGARA DI KECAMATAN PONDOK KELAPA KABUPATEN BENGKULU TENGAH
This study aims to analyze the work discipline of Civil Servants (ASN) and to identify its relationship with public service performance at the Pondok Kelapa Subdistrict Office. The research employed a descriptive qualitative approach, with data collected through interviews, observations, and documentation. Informants included the Subdistrict Head, Subdistrict Secretary, Section Heads, ASN staff, and community members who served as service users. The results indicate that work discipline indicators such as attendance, compliance with regulations, adherence to work standards, level of vigilance, and ethical behavior have generally been implemented fairly well; however, several challenges remain in ensuring consistent application. The implementation of a mobile application-based attendance system has supported attendance monitoring, although it has not fully guaranteed optimal discipline. The identified challenges include the limited comprehensive documentation of Standard Operating Procedures (SOPs), the absence of clearly measurable service time standards, and an informal complaint management system. In terms of public service performance, the aspects of productivity, service quality, responsiveness, and accountability are categorized as fairly good, although further strengthening in standardization, transparency, and performance evaluation based on measurable indicators is still required. The study concludes that systematic and sustainable improvement of ASN work discipline is a crucial factor in supporting more effective, consistent, and accountable public service delivery.
Copyright (c) 2026 PARETO : Jurnal Ekonomi dan Kebijakan Publik https://doi.org/10.32663/6yhc8k71
STRATEGI PENGEMBANGAN DESA MENUJU DESA MANDIRI (Studi di Desa Tumbuk Tebing Kecamatan Bunga Mas Kabupaten Bengkulu Selatan)
This study aims to examine the actual conditions, local potential, and development strategies in promoting village self-reliance in Tumbuk Tebing Village based on the Village Development Index (Indeks Desa Membangun/IDM). The analysis focuses on three key dimensions of IDM, namely social resilience, economic resilience, and environmental resilience. This research employs a descriptive qualitative approach, with data collected through in-depth interviews, field observations, and documentation. The informants consist of village government officials, community leaders, and local residents who are directly involved in village development activities. The findings reveal that the social resilience of Tumbuk Tebing Village is relatively strong, as indicated by improved access to education and health services, as well as active community participation in social and institutional activities. Meanwhile, economic resilience is in a developing stage, supported by agriculture, plantations, micro-enterprises, and village-owned enterprises (BUMDes), although management and sustainability still require improvement. In contrast, environmental resilience is generally well maintained through basic waste management, clean water availability, and community-based environmental activities, yet it remains limited and not fully integrated into a systematic framework. Furthermore, the study reveals that the village government's development strategies include strengthening social services, supporting local economic activities, enhancing infrastructure, and promoting environmental management. However, these strategies tend to be sectoral and not fully integrated. Therefore, future development efforts should focus on enhancing human resource capacity, optimizing local economic potential, strengthening institutional capacity, and implementing sustainable and participatory environmental management. In conclusion, Tumbuk Tebing Village has strong foundational potential to achieve village self-reliance. Nevertheless, an integrated and sustainable development strategy across social, economic, and environmental dimensions is essential to improve its IDM status and achieve a more independent and resilient village.
Copyright (c) 2026 PARETO : Jurnal Ekonomi dan Kebijakan Publik https://doi.org/10.32663/pj1fnm13
IMPLEMENTASI KEBIJAKAN PENANGGULANGAN KEMISKINAN DI KOTA LAHAT
Poverty remains a significant social problem in Lahat City, as it directly affects the quality of life of the community. The local government has implemented various poverty alleviation policies; however, their implementation has not yet achieved optimal outcomes. This study aims to examine the implementation of poverty alleviation policies in Lahat City by analyzing data collection processes, aid distribution mechanisms, the role of implementing officials, and the impact of policies on the social and economic conditions of poor communities. This research employed a qualitative descriptive approach. Data were collected through in-depth interviews, field observations, and documentation involving local government officials, program beneficiaries, and community leaders. The findings indicate that poverty alleviation policies in Lahat City have provided tangible benefits, particularly through social assistance programs and the fulfillment of basic needs. Nevertheless, policy effectiveness is constrained by inaccurate beneficiary data, limited budget allocation, and weak coordination among related institutions. Conversely, strong commitment from the local government, active involvement of frontline officials, and support from community leaders serve as important supporting factors. This study concludes that improving data accuracy, strengthening institutional coordination, and developing long-term economic empowerment programs are essential to enhance the effectiveness and sustainability of poverty alleviation policies in Lahat City.
Copyright (c) 2025 PARETO : Jurnal Ekonomi dan Kebijakan Publik
Tren dan Perkembangan Riset Inklusi Keuangan Digital: Kajian Sistematis dan Analisis Bibliometrik
Penelitian ini bertujuan memetakan tren, distribusi, dan perkembangan riset mengenai inklusi keuangan digital melalui pendekatan systematic literature review dan analisis bibliometrik. Dengan menggunakan kerangka PRISMA, sebanyak 119 artikel terindeks Scopus yang dipublikasikan hingga 5 Desember 2025 dianalisis lebih lanjut menggunakan VOSviewer. Hasil penelitian menunjukkan peningkatan signifikan dalam publikasi mengenai inklusi keuangan digital sejak 2025 didominasi kontribusi dari institusi dan peneliti di China. Analisis kata kunci mengungkap lima klaster utama terkait inovasi teknologi, ketahanan ekonomi, sistem keuangan, pembangunan berkelanjutan, dan struktur konsumsi. Temuan ini menegaskan bahwa riset inklusi keuangan digital berkembang secara multidisipliner dan terus relevan untuk diteliti, terutama dalam konteks kesenjangan digital, akses kelompok rentan, dan pengaruhnya terhadap pembangunan ekonomi daerah.
TAFSIR AYAT-AYAT JUAL BELI DALAM PERSPEKTIF EKONOMI SYARIAH MODERN
This study aims to examine the interpretation of the verses of the Qur'an related to buying and selling transactions, as well as their relevance in the perspective of modern Islamic economics. Buying and selling in Islam does not only include the exchange of goods or services, but also includes moral and ethical principles that must be followed so that transactions run fairly, transparently, and free from detrimental practices such as usury, gharar (uncertainty), and maysir (gambling). This study uses a thematic interpretation approach to analyze the verses that discuss buying and selling, such as those found in Surah Al-Baqarah (2:275-279), Surah An-Nisa' (4:29), and Surah Al-Mumtahanah (60:8). The results of this study indicate that the application of the principles taught in the Qur'an, such as the prohibition of usury, clarity in transactions, and avoidance of speculation, is very relevant in modern Islamic economics. This research is expected to contribute to developing a more just and sustainable economic system.
Application of Muamalah Principles in Digital Economic Transactions: A Literature Review on Paylater, E-Wallets, and Marketplaces
This study aims to analyze the application of fiqh muamalah principles in modern digital financial systems, particularly on paylater, e-wallet, and marketplace platforms. The research focuses on assessing the conformity of digital transactions with Islamic legal principles, namely clarity (bayān), justice (‘adl), and the avoidance of riba, gharar, and maysir. The research employs a qualitative-descriptive library method, analyzing scholarly journals and relevant Islamic finance fatwas from 2020–2025. The findings indicate that paylater systems comply with Sharia if they employ the bai‘ bi tsaman ājil contract without interest or time-based penalties. E-wallet platforms are permissible when free from hidden charges and uphold transparency in user rights and obligations. Likewise, marketplace operations are Sharia-compliant if they ensure clarity of contract objects, fair pricing (thaman al-mithl), and consumer protection (ḍamān). In conclusion, digital financial innovations can be harmonized with Islamic law when grounded in the principles of al-‘ibrah fī al-mu‘āmalāt bimā fī nafs al-amr and al-ma‘rūf ‘urfan kal-mashrūṭ sharṭan, thus aligning with the objectives of Sharia (maqāṣid al-syarī‘ah).
KONSEP PAJAK DI INDONESIA DALAM EKONOMI ISLAM MENURUT PEMIKIRAN IBNU KHALDUN
Ibn Khaldun argued that excessive taxes imposed on the people would lead to a decline in economic activity, which would also result in a decline in the country's economy. The role of taxes has not yet answered or met the needs of the people, for example, road infrastructure, many roads are damaged and have not been repaired, bridge facilities are still lacking, resulting in hampered distribution of goods and causing prices to soar. This type of research is library research. The realization of tax revenue reached IDR 2,842.5 trillion or 101.4% of the 2024 State Budget target or grew by 2.1% year on year (yoy). The poverty rate is 8.47% with a population of 23.85 million poor people. The poverty rate in Indonesia is still dominated by rural areas at 11.03%, this is higher than the poverty rate in urban areas at 6.73%. Indonesia's regulatory policies are in accordance with Ibn Khaldun's concept, but their implementation has not had a significant impact, because state revenue grew 2.1% but extreme poverty is still very large at 8.47%.
Pengaruh Persepsi Dan Preferensi Generasi Z Terhadap Penggunaan Produk Digital Bank Syariah (Studi Pada Mahasiswa Pascasarjana Uinfas Bengkulu)
Penelitian ini bertujuan untuk menganalisis pengaruh persepsi dan preferensi generasi Z terhadap penggunaan produk digital bank syariah pada mahasiswa Pascasarjana UIN Fatmawati Sukarno Bengkulu. Metode penelitian yang digunakan adalah kuantitatif dengan pendekatan survei. Data dikumpulkan melalui kuesioner berbasis skala Likert yang disebarkan kepada 130 mahasiswa pascasarjana sebagai sampel menggunakan teknik purposive sampling. Analisis data dilakukan menggunakan uji validitas, reliabilitas, uji normalitas, serta regresi linear berganda untuk mengetahui pengaruh parsial dan simultan antara persepsi dan preferensi terhadap penggunaan produk digital bank syariah. Hasil penelitian menunjukkan bahwa persepsi berpengaruh signifikan terhadap penggunaan produk digital bank syariah dengan t hitung 4,213 > t tabel 1,972 dan signifikansi 0,000. Preferensi juga berpengaruh signifikan dengan t hitung 3,897 > t tabel 1,972 dan signifikansi 0,000. Secara simultan, persepsi dan preferensi berpengaruh signifikan terhadap penggunaan produk digital bank syariah dengan F hitung 15,432 dan signifikansi 0,000. Koefisien determinasi R² sebesar 0,507 menunjukkan bahwa 50,7% variasi penggunaan layanan digital dapat dijelaskan oleh persepsi dan preferensi. Temuan ini menegaskan pentingnya mempertimbangkan persepsi dan preferensi generasi Z dalam pengembangan strategi layanan digital bank syariah.
Pengaruh Pengetahuan Investasi, dan Influencer Keuangan terhadap Minat Investasi Cryptocurrency pada Mahasiswa FEBI UIN Fatmawati Sukarno Bengkulu
Penelitian ini bertujuan untuk menganalisis pengaruh Pengetahuan Investasi dan Influencer Keuangan terhadap Minat Investasi Cryptocurrency pada mahasiswa FEBI UIN Fatmawati Sukarno Bengkulu. Metode penelitian menggunakan pendekatan kuantitatif dengan desain explanatory survey, di mana data dikumpulkan melalui kuesioner yang disebarkan kepada 130 mahasiswa terpilih menggunakan teknik purposive sampling. Analisis data dilakukan menggunakan uji validitas, reliabilitas, normalitas, uji t, uji F, dan koefisien determinasi (R²) untuk menguji hubungan antarvariabel. Hasil penelitian menunjukkan bahwa Pengetahuan Investasi (X1) berpengaruh signifikan terhadap Minat Investasi Cryptocurrency (Y), dengan t hitung 4,521 > t tabel 1,972 dan signifikansi 0,000. Influencer Keuangan (X2) juga memiliki pengaruh signifikan terhadap minat investasi, t hitung 3,985 > t tabel 1,972 dan signifikansi 0,000. Secara simultan, kedua variabel independen berpengaruh signifikan terhadap minat investasi mahasiswa, dibuktikan oleh uji F hitung 14,872 > F tabel dan signifikansi 0,000. Koefisien determinasi (R²) sebesar 0,526 menunjukkan bahwa 52,6% variasi Minat Investasi Cryptocurrency dapat dijelaskan oleh Pengetahuan Investasi dan Influencer Keuangan, sedangkan 47,4% dipengaruhi faktor lain. Temuan ini menegaskan pentingnya literasi investasi dan pengaruh sosial digital sebagai faktor utama dalam membentuk minat investasi mahasiswa pada aset digital.
ANALISIS STRATEGI PENGELOLAAN KOPERASI SIMPAN PINJAM DI KOPERASI LKM SYARIAH UKHUWAH BINTANG INSANI
This study aims to analyze the management strategy of savings and loan cooperatives at the Ukhuwah Bintang Insani Islamic Microfinance Cooperative (LKM Syariah), a microfinance institution operating based on sharia principles. This study focuses on four main aspects: planning, organization, implementation, and supervision, which are applied to support the effectiveness of operational activities. The research method used is descriptive qualitative through in-depth interviews, direct observation, and review of various organizational documents. The results show that the cooperative has implemented a targeted management strategy oriented towards member empowerment, improving service quality, and complying with sharia. However, several challenges remain, such as limited human resources, suboptimal technology utilization, and the need to strengthen the internal control system. The findings of this study emphasize the importance of increasing institutional capacity and professionalism of cooperative managers so that cooperatives can adapt to changing member needs and the dynamics of the business environment. This research provides an empirical contribution to the strategy for developing sustainable management of sharia cooperatives.
PERAN INFAQ DAN SEDEKAH DALAM PEMERDAYAAN EKONOMI UMAT DI ERA DIGITAL
This research is a study using the literature study method or literature review to show readers about “The role of infaq and alms in the economic empowerment of the people in the digital era” and examine data from various literatures related to the core of the problem in order to obtain the principles and concepts about the problem that is the object of research. The method used in this article is descriptive method, various forms of information and references related to the issue of managing infaq and alms in the digital era. The results of the study show that amil are required to have modern skills in collecting funds. Digitalization of infaq and sadaqah fund collection is digital payment and digital socialization by utilizing social media. Digitalization in collecting infaq and sadaqah funds plays a role because it makes it easier for muzakki to save time and money. And also makes fundraising more transparent, massive, effective and efficient. However, the role of digitalization has not been maximized due to the lack of human resources and the lack of a digital system that is very minimal and people who are not yet literate in digital technology.
ANALISIS TINGKAT LITERASI KEUANGAN SYARIAH MAHASISWA PASCASARJANA UINFAS BENGKULU: PERBANDINGAN ANTARA BANK SYARIAH DAN BANK KONVENSIONAL
This study aims to analyze the level of Islamic financial literacy among students at UIN Fatmawati Sukarno (UINFAS) Bengkulu and compare their understanding of the products and services offered by Islamic banks and conventional banks. Islamic financial literacy is an individual's ability to understand Islamic financial principles, including the prohibitions on usury, gharar, and maisir, as well as the use of instruments such as mudharabah, musyarakah, and murabahah. The research method used is descriptive quantitative, with questionnaires distributed to 120 students who actively use banking services. The results show that the level of Islamic financial literacy among students is generally in the fairly good category, but there are differences in understanding between students who use Islamic banks and conventional banks. Students who use Islamic banks have a higher level of understanding of Islamic financial principles compared to students who use conventional banks. These findings demonstrate the importance of improving Islamic financial literacy education for students, including those who primarily use conventional banks, to raise awareness of Islamic financial principles in everyday life.
Generation Z's Perceptions and Preferences Towards Islamic Mobile Banking Applications in the Era of Conventional Fintech Dominance
This study aims to analyze Generation Z's perceptions and preferences regarding the use of sharia-compliant mobile banking applications amidst the dominance of conventional fintech. Using a descriptive qualitative approach, the study involved 10 Generation Z informants selected through purposive sampling. Data were collected through interviews, observation, and documentation, then analyzed using the Miles and Huberman model, which includes data reduction, data presentation, and conclusion drawing. The results show that Generation Z has a positive perception of sharia-compliant mobile banking, especially in terms of security and sharia compliance. However, their preference for conventional fintech is more dominant because it offers convenience, fast transactions, extensive integration with various digital platforms, and economic benefits such as cashback and promotions. This study also found a value-behavior gap, namely the difference between the understanding of sharia values ​​and the practice of using digital financial applications.
Perception, Preferences, Sharia Mobile Banking, Generation Z, Conventional Fintech.
IMPLEMENTATION OF MAQASHID SHARIA PRINCIPLES IN THE WORK CULTURE OF EMPLOYEES AT BANK MUAMALAT BENGKULU BRANCH
Previous studies on Islamic Financial Institution have primarily focused on sharia compliance in products and financial performance, while limited attention has been given to how maqashid sharia principles are embodied within employees’ work culture. This study fills that gap by analyzing the implementation of maqashid sharia values in the work culture of employees at Bank Muamalat Bengkulu Branch using a descriptive qualitative approach through interviews with leaders and staff. Thematic analysis was conducted based on the five dimensions of maqashid sharia: hifz ad-dīn (protection of religion), hifz an-nafs (protection of life), hifz al-aql (protection of intellect), hifz an-nasl (protection of lineage), and hifz al-mal (protection of wealth). The results indicate that Islamic values are internalized through the “Muamalat IDEAL” work culture (Islamic, Modern, Professional). Leaders play an active role in instilling honesty, trustworthiness, and responsibility through exemplary conduct and spiritual activities. Employees’ work practices reflect a balance between spiritual and professional aspects: integrity and honest service (hifz ad-dīn), harmonious teamwork (hifz an-nafs), continuous competency development (hifz al-aql), employee welfare (hifz an-nasl), and sharia-compliant fund management (hifz al-mal). Supporting factors include strong organizational commitment and corporate values, while the main challenges are the influence of value globalization and limited Islamic literacy among staff. Overall, the application of maqashid sharia strengthens Islamic work culture and professionalism within Bank Muamalat Bengkulu Branch.
PENGARUH PERAN GANDA, STRES KERJA TERHADAP KINERJA ASN WANITA MELALUI KEPUASAN KERJA DI LINGKUNGAN PEMERINTAH KOTA TARAKAN
Abstract. Dual role conflict and work stress have become global issues in the public sector, affecting productivity, psychological resilience, and the quality of services provided by government employees. In Indonesia, particularly in local government institutions such as the Government of Tarakan City, administrative demands, high workloads, and the dynamics of public service increasingly elevate the risk of role conflict and work stress, which ultimately can reduce job satisfaction and the performance of civil servants. This phenomenon underscores the importance of research to identify how role pressures and stress influence the performance of public officials within the context of local bureaucracy. This study aims to analyze the influence of dual role conflict and work stress on the performance of civil servants, as well as examine the role of job satisfaction as a mediating variable in this relationship. By integrating perspectives from role theory and work stress theory, this research seeks to provide a deeper understanding of the psychological mechanisms that affect the performance of public sector employees. The research method uses a quantitative approach with a survey conducted among civil servants of the Government of Tarakan City. Data were analyzed using Structural Equation Modeling (SEM) to test the direct and indirect relationships between variables. Variable measurements used standardized instruments that have been validated in various previous studies. The results show that dual role conflict has a positive effect on work stress and indirectly decreases the performance of civil servants through reduced job satisfaction. In addition, work stress has a significant influence on employee satisfaction and performance. Job satisfaction plays a partial mediating role in the relationship between work stress and performance, emphasizing the importance of psychological aspects as key mechanisms determining civil servant productivity. These findings provide implications for local governments to design stress management policies, employee welfare programs, and interventions that support role balance, so that job satisfaction and civil servant performance can be sustainably improved.
Analisis Dampak Program Keluarga Harapan (PKH) Pada Masyarakat Kecamatan Teras Terunjam Kabupaten Mukomuko
This study aims to analyze the impact of the Family Hope Program (PKH) on the community of Teras Terunjam Subdistrict, Mukomuko Regency, in terms of policy and budgeting aspects. It also aims to examine the factors that influence the implementation of the Family Hope Program (PKH) in the community of Teras Terunjam Subdistrict, Mukomuko Regency. To address these issues, the researcher employed a qualitative research method. The results of the study show that the evaluation of the context of service delivery for the Family Hope Program (PKH) in the community of Teras Terunjam Subdistrict, Mukomuko Regency, has been generally good. Based on findings from informants, the services provided—from document submission to home surveys—have been carried out according to procedures. Observations and interviews also indicate that the service delivery of the Family Hope Program (PKH) in this area is fairly good, although there are still some instances where certain services provide special treatment for relatives in accessing direct cash assistance.
IMPLEMENTATION OF PUBLIC SERVICE STANDARDS BY PERUM BULOG LAHAT IN THE MARKET OPERATION PROGRAM
This study aims to analyze the implementation of public service standards by Perum BULOG Lahat in conducting the market operation program, identify supporting and inhibiting factors, and assess its impact on public satisfaction and food price stability. This research employed a descriptive qualitative approach, with data collected through interviews, observations, and documentation. The results indicate that the market operation program implemented by Perum BULOG Lahat complies with the principles of public service as regulated in Law No. 25 of 2009, including transparency, clarity of procedures, timeliness, and affordability. Supporting factors include inter-agency coordination, central government policy support, and community participation, while inhibiting factors consist of limited stock, uneven distribution, and insufficient field personnel. This study recommends enhancing logistics capacity, ensuring equitable distribution, increasing human resources, strengthening coordination, and utilizing information technology to optimize market operation services.
THE ROLE AND CONTRIBUTION OF THE AGRICULTURAL SECTOR IN BENGKULU PROVINCE 2011-2023 (LQ and DLQ Analysis)
The Development of the agricultural sector plays an important role in Indonesia. The majority of Indonesia's population depends on the agricultural sector for their livelihoods. The amount of Gross Regional Domestic Product in the agricultural sector which is increasing every year will have a positive impact on Indonesia and the regions which are currently undertaking the process of regional development in a better direction. This research aims to determine the role and contribution of the agricultural sector in Bengkulu Province in 2011-2023. The role of the agricultural sector is categorized into basic or non-basic. This type of research is quantitative sourced from secondary data, namely Gross Regional Domestic Product (GRDP) at the Bengkulu Province Central Statistics Agency. The analysis used is using Location Quotient (LQ) analysis to determine basic and non-basic sectors, Dynamic Location Quotient (DLQ) to see the role of the agricultural sector in the future, Shift Share to see shifts in the agricultural sector and Overlay to see comparisons of LQ analysis, DLQ and Shift Share.LQ in the agricultural sector is 1.32, indicating that the agricultural sector in Bengkulu Province is the economic base score. The DLQ value shows 1.64, meaning that the agricultural sector will remain the base sector in the future. The results of the Shift Share proportional shift (Mij) analysis of 3,910.41 million rupiah indicate that the growth rate of the agricultural sector in Bengkulu Province has increased. Meanwhile, the results of the overlay analysis of the agricultural sector include the classification of positive contribution and positive growth. This means that the agricultural sector in Bengkulu Province during the period 2011-2023 is superior in terms of both contribution and growth
FINANCIAL INCLUSION FOR FARMERS: BRIDGING FINANCIAL LITERACY THROUGH BANKING AND INFORMAL MECHANISMS
This study analyzes the financial literacy and inclusion of farmers in Indonesia. a qualitative desk study method. The study examines the factors that influence financial literacy and barriers to financial inclusion, as well as the role of banking and informal mechanisms in improving farmers' welfare (Anwar et al., 2020, p. 125; Rahmah & Nurhayati, 2024, p. 414). The results show that farmers' finansial literacy is moderate, with the lowest level of financial knowledge, while their attitudes and behaviors are better (Nadia et al., 2024: 66). The main barriers include limited access to banks, low literacy, and distrust of formal institutions; thus, farmers still rely on informal mechanisms (Rahmah & Nurhayati, 2024: 420). Community-based Literacy training and digital financial service innovations, especially Sharia-based ones, are effective in improving farmers' financial inclusion and decision-making. in improving farmers' financial inclusion and decision-making (Budastra et et al., 2022: 1174; Buono et al., 2023: 3954). The integration of finansial literacy and inclusion is important for farmers' welfare through the collaboration of formal banking, micro institutions, and informal mechanisms is important for farmers' well-being (Sibuea et al., 2022: 152; Wardhono et al., 2018: 20). et al., 2018: 20). Recommendations include expanding access to services, strengthening training, and developing adaptive digital innovations. This research provides an empirical basis for policymakers and practitioners to design sustainable financial inclusion programs.
Financial Literacy, Financial Inclusion, Farmers, Informal Mechanisms
EVALUASI KEBIJAKAN DALAM PENANGANAN KASUS KEKERASAN PEREMPUAN
Penelitian ini bertujuan untuk mengevaluasi proses implementasi Peraturan Daerah Kota Bengkulu Nomor 5 Tahun 2014 tentang Perlindungan Perempuan dan Anak, khususnya pasal 6 huruf a, b, dan c yang berfokus pada upaya pencegahan kekerasan, penyediaan layanan terpadu, dan jaminan perlindungan terhadap korban kekerasan. Penelitian ini menggunakan pendekatan kualitatif dengan teknik pengumpulan data melalui wawancara mendalam, observasi, dan dokumentasi. Model evaluasi yang digunakan adalah CIPP (Context, Input, Process, Product) oleh Stufflebeam. Hasil penelitian menunjukkan bahwa meskipun terdapat upaya dari Dinas Pemberdayaan Perempuan dan Perlindungan Anak Kota Bengkulu dalam melakukan advokasi, menyediakan layanan dan pendampingan korban, namun pelaksanaannya masih terkendala pada minimnya anggaran dan sumber daya. Program-program seperti trauma healing dan layanan Generasi BERLIAN masih dalam tahap perencanaan dan belum terlaksana secara optimal. Evaluasi ini merekomendasikan peningkatan koordinasi antar lembaga serta alokasi dana yang memadai untuk efektivitas pelaksanaan kebijakan perlindungan perempuan dan anak.