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All Journal Islamiconomic: Jurnal Ekonomi Islam Journal of Golden Generation Economic
Salwa Apriliza
Universitas Islam Negeri Sumatera Utara
Religion Economics, Econometrics & Finance Social Sciences

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Analisis Dampak Hutang Luar Negeri Terhadap Pertumbuhan Ekonomi Indonesia: Pengujian Teori Debt Overhang Muhammad Anwar; Nikita Adelia Syafitri; Salwa Apriliza
Journal of Golden Generation Economic Vol. 1 No. 2 (2025): Desember : Journal of Golden Generation Economic
Publisher : PT. Lembaga Penerbit Penelitian Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65244/jggeconomic.v1i2.234

Abstract

Hutang luar negeri merupakan instrumen fiskal strategis yang diadopsi pemerintah Indonesia guna mengakomodasi defisit anggaran serta mengakselerasi pembangunan infrastruktur nasional. Kendati demikian, akumulasi hutang yang terus tereskalasi memicu diskursus mengenai potensi timbulnya fenomena debt overhang, di mana beban kewajiban yang melampaui kapasitas produktif justru bertransformasi menjadi disinsentif bagi pertumbuhan ekonomi. Penelitian ini bertujuan untuk membedah dampak sistematis hutang luar negeri terhadap dinamika pertumbuhan ekonomi Indonesia sekaligus melakukan pengujian empiris terhadap relevansi teori debt overhang dalam konjungtur ekonomi nasional. Metode penelitian yang diterapkan adalah deskriptif kuantitatif dengan mengutilisasi analisis data sekunder yang bersumber dari otoritas moneter serta lembaga statistik resmi. Berbeda dengan evaluasi sistem administrasi seperti SIHALAL yang menitikberatkan pada efektivitas prosedural, studi ini berfokus pada analisis variabel makroekonomi fundamental, yakni Produk Domestik Bruto (PDB) dan rasio hutang. Selaras dengan paradigma inovasi administrasi publik, pengelolaan hutang yang transparan, akuntabel, dan presisi merupakan manifestasi dari efektivitas pelayanan pemerintah dalam menjaga stabilitas serta resiliensi fiskal. Hasil penelitian ini diharapkan mampu memetakan ambang batas (threshold) optimal hutang luar negeri agar tetap berfungsi sebagai katalis pembangunan tanpa mengorbankan keberlanjutan ekonomi jangka panjang, sekaligus menjadi rujukan strategis bagi otoritas terkait dalam merumuskan kebijakan pembiayaan negara yang lebih mandiri, kredibel, dan berkeadilan.
Evaluating The Effectiveness of The Binjai Cerdas Program for Baznas Beneficiaries in Binjai City Salwa Apriliza; Juliana Nasution; Rahmat Daim Harahap
Islamiconomic : Jurnal Ekonomi Islam Vol 17, No 1 (2026)
Publisher : Universitas Islam Negeri Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/ijei.v17i1.1454

Abstract

This study aims to analyze the success rate of the Binjai Cerdas Program organized by the National Zakat Agency (BAZNAS) of Binjai City. Previous studies have mainly focused on the effectiveness of zakat distribution in general, while evaluations of local zakat education programs remain limited. This study employs a quantitative, descriptive method. The sample comprised 100 respondents who received assistance from the Binjai Cerdas Program and were purposively selected. Data were collected via questionnaires and analyzed using IBM SPSS Statistics, including validity and reliability tests and descriptive analyses. The results indicate that all research instruments are valid and reliable, with a Cronbach’s Alpha value of 0.955. Descriptive analysis shows that the program’s effectiveness achieved 82.6%, target accuracy 84.6%, educational impact 86.6%, and program sustainability 90.2%, all of which fall into the “highly successful” category. The findings indicate that the Binjai Cerdas Program has been implemented effectively, is well-targeted, positively impacts beneficiaries’ education, and demonstrates good sustainability. The novelty of this study lies in integrating effectiveness, targeting accuracy, educational impact, and sustainability into a single evaluation framework. Theoretically, this study contributes to the Islamic social finance literature by highlighting the role of educational zakat in supporting human capital development. In practice, the findings provide BAZNAS with insights into improving the effectiveness and sustainability of educational assistance programs.
Co-Authors Juliana Nasution Muhammad Anwar Nikita Adelia Syafitri Rahmat Daim Harahap