PARETO : Jurnal Ekonomi dan Kebijakan Publik
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Fakultas Ekonomi Universitas Prof. Dr. Hazairin, SH. Bengkulu
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.
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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.
IMPLEMENTASI PROGRAM PEMBINAAN KEMANDIRIAN NARAPIDANA DALAM PERSEPEKTIF HAK ASASI MANUSIA DI LAPAS KELAS II B ARGAMAKMUR
This study aims to analyze the success of the Prisoner Independence Development Program in Class II B Argamakmur Penitentiary through four main aspects, namely: communication, resources, disposition, and bureaucratic structure. This study uses a qualitative descriptive approach with data collection techniques through observation, in-depth interviews with employees and visitors, and documentation. The results of the study indicate that the success of the program is greatly influenced by the clarity and consistency of information conveyed transparently to prisoners, by the principles of human rights. In terms of resources, the effectiveness of the program is determined by the availability of trained staff, adequate facilities, and clarity of authority. However, cooperation with external parties and socialization related to post-release job opportunities still need improvement. From the aspect of disposition, commitment, honesty, and the application of democratic values, encourage the implementation of training that is in accordance with the interests of prisoners. However, active participation and the quality of training still need to be strengthened. Meanwhile, in terms of bureaucracy, the implementation of Standard Operating Procedures (SOP) and fragmented division of tasks have created a structured and efficient work system. However, obstacles such as limited facilities and a lack of coordination between parties are still obstacles. This finding underlines the importance of continuous improvement in all aspects to ensure that the development program is truly able to optimally support the process of social reintegration of prisoners after they are released.
ETIKA DALAM PENERAPAN STANDAR OPERASIONAL KEPROTOKOLAN GUBERNUR PROVINSI BENGKULU
Protocol is an important aspect in the implementation of government, especially in official activities involving regional heads such as governors. Protocol includes procedures, rules and customs that regulate official events, visits, receiving guests and other activities. The main purpose of protocol is to create an orderly, regular and solemn atmosphere, and reflect the authority and positive image of the regional government. Ethics are behavior, actions, self-image of the community towards the government, organization, or institution and individuals, an impression that is deliberately created from an object, person or organization. Ethics is one of the most important assets of an organization or individual that is deliberately created to have positive value. One of the government organizations that applies ethics in its application is the protocol. This study aims to analyze how ethics in the operational standards of the Bengkulu Province governor's protocol by reviewing the application of operational standards, ethics applied in the operational standards of protocol, identifying factors that influence the application of ethics, and efforts that can be made to improve ethics in the operational standards of protocol. The research method used is a qualitative approach with a descriptive method. Data were obtained through in-depth interviews with protocol staff and related officials, direct observation at official events, and documentation studies of protocol regulations and reports. Data analysis was carried out using data reduction techniques, data presentation, and conclusions to obtain a more comprehensive picture. This study is expected to contribute to the development of protocol policies in local government environments, as well as become a reference for further research in the field of public administration and government communication.
EVALUASI KEBERLANJUTAN PROGRAM BANTUAN LANGSUNG TUNAI DALAM UPAYA PENANGGULANGAN KEMISKINAN, TINJAUAN DARI ASPEK KEBIJAKAN DAN ANGGARAN (Studi Kasus Desa Padang Binjai Kecamatan Tetap Kabupaten Kaur)
This study aims to analyze the evaluation of the implementation of BLT-DD in Padang Binjai Village, Tetap District, Kaur Regency, reviewed from the policy and budget aspects. To analyze the factors that influence the implementation of the BLT-DD Program in Padang Binjai Village, Tetap District, Kaur Regency. To answer these problems, researchers use qualitative research methods. The results of the study indicate that in the context evaluation process, the Village Fund Direct Cash Assistance (BLT-DD) service has been completely good. Based on the results of the study Evaluation of the Sustainability of the Direct Cash Assistance Program in Poverty Alleviation Efforts, a Review of Policy and Budget Aspects, an evaluation was carried out using the CIPP model evaluation which includes context evaluation, Inpt evaluation, Process evaluation, product evaluation: 1. Context Evaluation: BLT-DD services have met the criteria even though some who received this assistance were assisted by their relatives who work at the village office. 2. Input Evaluation: all residents in Padang Binjai Village who received BLT-DD have used the assistance well according to their needs. 3. Process Evaluation: Not all recipients of Village Fund Direct Cash Assistance (BLT-DD) are from lower-income families, but they take advantage of their relatives who work at the Village Office to gain access to assistance. 4. Product Evaluation: In the future, village officials will be more transparent regarding data on BLT-DD recipients and who is eligible to receive it to avoid social jealousy among those who do not receive it.
ANALISIS PENGGUNAAN DANA DESA STUDI KASUS DI DESA TABA DURIAN SEBAKUL KECAMATAN MERIGI KELINDANG KABUPATEN BENGKULU TENGAH
Penelitian ini bertujuan untuk mengetahui program apa saja yang terkait dalam penggunaan dana desa beserta setiap proses penggunaannya, kemudian menganalisis rencana Penggunaan dana desa terkait kesesuaian atau ketidaksesuaian, serta mencari tahu permasalahan pemerintah desa terkait penggunaan dana desa. Jenis penelitian ini adalah penelitian kualitatif. Data yang digunakan adalah data primer, didapatkan dengan menggunakan metode observasi dan metode wawancara, serta data sekunder, diperoleh melalui metode dokumentasi. Analisis data dalam penulisan Skripsi ini menggunakan analisis deskriptif dan analisis kualitatif . Hasil penelitian ini menunjukan program terkait dana desa masih didominasi pembangunan fisik dibandingkan pemberdayaan masyarakat. Terjadi beberapa ketidaksesuaian dalam rencana dan realisasi dana desa. Terdapat permasalahan mendasar terkait regulasi dalam penggunaan dana desa oleh pemerintah desa. Saran yang bisa penulis berikan adalah diharapkan menambah program – program pemberdayaan masyarakat serta mengingkatkan komunikasi dan konsultasi dengan pihak pemerintah daerah kabupaten terkait regulasi dana desa, pemerintah daerah berkenan mengevaluasi dan mengambil tindakan optimal agar regulasi dana desa bisa diterbitkan lebih cepat.
PERAN SEKTOR LAPANGAN USAHA DALAM MEMACU PENYERAPAN TENAGA KERJA DI KABUPATEN KEDIRI
Tujuan penelitian ini untuk menganalisis peran sektor lapangan usaha dalam memacu penyerapan tenaga kerja di Kabupaten Kediri Tahun 2019-2024. Metode penelitian menggunakan pendekatan deskriptif kuantitatif yang bersumber dari data sekunder BPS Provinsi Jawa Timur dengan analisis LQ, Shift-share, Tipologi Klassen. Hasil analisis LQ dan Tipologi Klassen menemukan terdapat 9 sektor unggulan yang tergolong dalam industri yang berkembang tapi lambat (kuadran 2). Analisis shift-share menghasilkan pertumbuhan regional positif dengan pertumbuhan proporsional 9 sektor, dan pertumbuhan pangsa wilayah sebesar 4 sektor lapangan usaha dengan kontribusi terbesar pada industri pengolahan.
PENGARUH KUALITAS SISTEM, KUALITAS INFORMASI DAN KUALITAS LAYANAN TERHADAP KEPUASAN PEMANFAAT APLIKASI SRIKANDI DI WILAYAH PEMERINTAH KABUPATEN MUSI RAWAS
This study aims to analyze the influence of system quality, information quality, and service quality on user satisfaction with the Srikandi application within the Musi Rawas Regency Government. A quantitative research method was employed using a survey technique with questionnaires. The sample consisted of 100 civil servants (ASN) who use the Srikandi application across various local government agencies (OPDs). Data were analyzed using multiple linear regression. The results indicate that, partially, system quality (t = 7.666; p < 0.05), information quality (t = 9.560; p < 0.05), and service quality (t = 5.312; p < 0.05) have a significant positive effect on user satisfaction. Simultaneously, all three variables significantly influence user satisfaction (F = 67.106; p < 0.05). This study underscores the importance of improving system, information, and service quality to enhance user satisfaction with digital applications in the public sector.
MODEL IMPLEMENTASI KOLABORASI SEKOLAH MENENGAH KEJURUAN NEGERI 1 BENGKULU SELATAN DALAM PENINGKATKAN KOMPETENSI LULUSAN
Collaboration Implementation Model of State Vocational High School 1 Bengkulu Selatan is very important in Improving Graduate Competence. State Vocational High School 1 Bengkulu Selatan is one of the Vocational Schools with the status of a Center of Excellence in South Bengkulu Regency. This study aims to analyze the implementation model and the collaborative activities carried out by State Vocational High School 1 Bengkulu Selatan in collaboration with the Industrial World and the Manna Region III Education Office Branch. This study uses a qualitative approach method with data collection techniques through interviews, observations, and documentation studies. The informants of this study consisted of educational institutions, the government, and the industrial world. The results of this study indicate that the implementation of collaboration has been running in accordance with the technical instructions and techniques determined by the Director General of Vocational Education. It's just that this collaboration has not been fully implemented in all existing department competencies. This collaboration model can be seen in its full implementation in the Visual Communication Design (DKV) department, so that it can be a guideline for other schools and departments in improving Graduate Competencies.
ANALISIS KEBIJAKAN JABATAN PENYULUH KELUARGA BERENCANA DI DINAS PENGENDALIAN PENDUDUK, KELUARGA BERENCANA, PEMBERDAYAAN PEREMPUAN DAN PERLINDUNGAN ANAK KABUPATEN KAUR
Penelitian ini bertujuan untuk menganalisis kebijakan jabatan Penyuluh Keluarga Berencana (KB) di Dinas Pengendalian Penduduk, Keluarga Berencana, Pemberdayaan Perempuan dan Perlindungan Anak Kabupaten Kaur dengan menggunakan model Edward III yang mencakup empat variabel utama, yaitu komunikasi, sumber daya, disposisi, dan struktur birokrasi. Fokus utama penelitian ini adalah untuk mengevaluasi bagaimana kebijakan tersebut dilaksanakan, serta faktor-faktor yang mempengaruhi efektivitasnya dalam mendukung program pengendalian jumlah penduduk dan peningkatan kesejahteraan keluarga. Metode yang digunakan dalam penelitian ini adalah pendekatan kualitatif dengan teknik pengumpulan data melalui wawancara, observasi, dan analisis dokumen. Hasil penelitian menunjukkan bahwa penyuluh KB tidak memili kebijakan jabatan yang besar dalam memutuskan sebuah keputusan, namun demikian dari kebijakan dari atasan ke penyuluh KB kegiatan penyuluhan berjalan dengan baik pada penelitian ini terdapat faktor penghambat dalam implementasi kebijakan yaitu suasana politik mengakibatkan pergantian pimpinan dilanjutkan perubahan kebijakan yang ada.
THE INFLUENCE OF TAX UNDERSTANDING ON THE QUALITY OF FINANCIAL REPORTS OF UMKM IN BENGKULU
Micro, Small, and Medium Enterprises (MSMEs) have a strategic role in the Indonesian economy, including in Bengkulu, with a large contribution to the Gross Regional Domestic Product (GRDP) and employment. However, many MSMEs in Bengkulu face challenges in financial management and taxation, especially related to low tax understanding. This study aims to examine the effect of tax understanding on the quality of MSME financial reports in Bengkulu. A quantitative approach with a survey method was used to collect data through questionnaires from registered MSME owners. The research variables include tax understanding as an independent variable and financial report quality as a dependent variable, with controls in the form of business scale, owner education level, and use of accountant services. The results of the study indicate that tax understanding has a significant positive effect on the quality of MSME financial reports, with a coefficient of determination (R²) of 0.451. This finding indicates that a good understanding of tax obligations can improve the accuracy and transparency of MSME financial reports. This study provides a practical contribution to MSME actors and local governments in designing policies to improve tax literacy and support sustainable economic growth in Bengkulu. Send feedback Side panels History Saved
Analisis Konseptual Maqashid Syariah dalam Pengembangan Produk Keuangan Syariah Kontemporer
Penelitian ini mengkaji secara mendalam tentang analisis konseptual maqashid syariah dan implementasinya dalam pengembangan produk keuangan syariah kontemporer. Dengan menggunakan pendekatan kualitatif dan metode analisis konten, penelitian ini bertujuan untuk mengeksplorasi dan menganalisis bagaimana prinsip-prinsip maqashid syariah dapat menjadi kerangka fundamental dalam inovasi dan pengembangan produk keuangan syariah yang sesuai dengan kebutuhan kontemporer. Hasil penelitian menunjukkan bahwa konsep maqashid syariah memiliki lima dimensi utama yang harus diintegrasikan dalam pengembangan produk keuangan syariah: perlindungan agama (hifz ad-din), perlindungan jiwa (hifz an-nafs), perlindungan akal (hifz al-aql), perlindungan keturunan (hifz an-nasl), dan perlindungan harta (hifz al-mal). Dalam konteks modern, implementasi maqashid syariah dalam pengembangan produk keuangan syariah memerlukan pendekatan yang lebih dinamis dan inovatif untuk menjawab kompleksitas kebutuhan finansial masyarakat Muslim. Penelitian ini juga mengungkapkan bahwa kepatuhan terhadap prinsip maqashid syariah tidak hanya menjamin kehalalan produk, tetapi juga mendorong terciptanya produk keuangan yang lebih inklusif, berkelanjutan, dan memberikan maslahat bagi masyarakat luas.
Pengaruh Kontribusi BUMD Terhadap Pendapatan Asli Daerah Di Kota Bengkulu
Tujuan penelitian ini adalah untuk mengetahui pengaruh kontribusi BUMD terhadap Pendapatan Asli Daerah Kota Bengkulu tahun 2019-2021. Penelitian ini merupakan penelitian kuantitatif dengan data sekunder pada periode pengamatan 2019-2021. Data dianalisis menggunakan analisis regresi berganda dengan SPSS 21. Hasil penelitian menunjukkan bahwa kontribusi BUMD memberikan pengaruh yang signifikan terhadap Pendapatan Asli Daerah Kota Bengkulu tahun 2019-2021. Pengaruh kontribusi BUMD terhadap Pendapatan Asli Daerah Kota Bengkulu tahun 2019-2021 sebesar kurang lebih 83,9%, sedangkan sisanya sekitar 16,1% berasal dari faktor lain yang tidak penulis bahas dalam penelitian ini. Berdasarkan hasil penelitian tersebut diharapkankepada Pemerintah Daerah Kota Bengkulu untuk dapat meningkatkan Pendapatan Asli Daerah dengan lebih optimal, hal itu dapat dilakukan dengan cara mengoptimalkan sumber pendapatan sesuai kewenangan dan potensi asli daerah yang ada
DAMPAK PERUBAHAN CURAH HUJAN, SUHU RATA-RATA, DAN LUAS PANEN TERHADAP PRODUKSI PADI DI KOTA BENGKULU TAHUN 2017-2023
Padi merupakan salah satu tanaman pangan penting di Indonesia, termasuk di Kota Bengkulu, sehingga tanaman ini banyak diproduksi oleh petani. Produksi padi di Kota Bengkulu bersifat fluktuatif bahkan cenderung menurun dan tidak sejalan dengan luas panen padinya. Selain faktor biologis, faktor sosial ekonomi turut berperan dalam produksi tanaman padi yang dihasilkan oleh petani. Penelitian ini bertujuan untuk mengetahui seberapa besar pengaruh curah hujan, suhu rata rata , dan luas panen terhadap produksi padi di Kota Bengkulu tahun 2017-2023. Jenis penelitian bersifat deskriftif kuantitatif, sampel data penelitian di tetapkan secara sengaja (purposive) selama 7 tahun. Data yang digunakan adalah data sekunder berupa data time series yang diperoleh dari Badan Pusat Statistik (BPS) Kota Bengkulu. Analisis data menggunakan analisis linier berganda model logaritma natural dengan bantuan software Statistical Package for the Social Sciences(SPSS) versi 22. Hasil analisis secara parsial pada taraf kepercayaan 95 persen dan α = 0,5 membuktikan bahwa: (1) Curah hujan berpengaruh negatif terhadap produksi padi di kota Bengkulu, besar pengaruh senilai minus 1,938 satuan, (2) Suhu rata-rata berpengaruh negatif terhadap produksi padi di kota Bengkulu, besar pengaruh senilai minus 3,690 satuan, (3) Luas panen berpengaruh positif terhadap produksi padi di Kota Bengkulu, besar pengaruh senilai positif 1,355 satuan. Selanjutnya, dari hasil analisis secara simultan melalui uji F dan uji signifikasi terbukti bahwa curah hujan, suhu rata-rata dan luas panen secara bersama-sama berpengaruh tehadap produksi padi di Kota Bengkulu.