Hesi Eka Putri
Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

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Misuse of PNPM Mandiri Rural Loan Funds (Case Study in Jorong Lubuak Batingkok) Sukma Indah Darianti; Asyari Asyari; Hesi Eka Putri; Rusyaida Rusyaida
INCOME: Innovation of Economics and Management Vol. 6 No. 1 (2026): June
Publisher : LPPM Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/income.v6i1.7207

Abstract

Purpose – This study examines the misuse of revolving loan funds in the National Program for Community Empowerment in Rural Areas (PNPM Mandiri Perdesaan) within the Women's Savings and Loans Group (SPP) Usao Amai, Lima Puluh Kota Regency, and identifies contributing factors. Design/methodology/approach – A qualitative descriptive approach was employed, utilizing observation, semi-structured interviews, and documentation involving group members, administrators, and community leaders. Findings/Results – Revolving funds were primarily used for consumptive purposes—household expenses, education, medical costs, and debt repayment—rather than productive business activities. Despite this misuse, repayment rates remained stable due to strong social solidarity and mutual trust. Key factors contributing to misuse include weak supervision, low financial literacy, unstable household economies, and misperceptions of the program as flexible government assistance rather than business capital. Originality/Value – From an Islamic economics perspective, fund misuse deviates from principles of amanah (trustworthiness) and responsibility in managing qardh (loans), though members' commitment to repayment reflects enduring moral values. The study recommends strengthening supervision, providing financial literacy training, and integrating Islamic economic principles into community empowerment programs.
The Contribution of Teacher Well-Being and School Culture to the Performance of Teachers at Islamic Boarding Schools in Canduang Subdistrict, Agam Regency, West Sumatra Nadyya Zahratul Jannah; Zulfani Sesmiarni; Hamdi Abdul Karim; Hesi Eka Putri
Al-Marsus : Jurnal Manajemen Pendidikan Islam Vol. 4 No. 1 (2026): June 2026
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/al-marsus.v4i1.11247

Abstract

Abstract This study was motivated by the variations in teachers’ well-being and school culture at Islamic boarding schools in Canduang Subdistrict, which are related to teacher performance. This study aims to analyze the contribution of teacher well-being and school culture to the performance of teachers at Islamic boarding schools. The novelty of this study lies in the simultaneous examination of these two variables within the context of Islamic boarding school education, which is characterized by distinct religious values and institutional culture. The study employed a quantitative approach using quota sampling on 106 teachers from three Islamic boarding schools. Data were collected via a Likert-scale questionnaire and analyzed using normality and linearity tests, Pearson’s correlation, and the F-test with the aid of SPSS 22. The results indicate that teacher well-being was not found to contribute significantly at the 5% level to teacher performance (Sig. = 0.055; r = 0.187; R² = 0.035). Conversely, school culture contributes significantly to teacher performance (Sig. = 0.003; r = 0.283; R² = 0.080), although the strength of the relationship is low. Simultaneously, teacher well-being and school culture have a significant relationship with teacher performance (F = 5.330; Sig. = 0.006), with an R² of 0.094, or 9.4%, based on recalculations.   Abstrak Penelitian ini dilatarbelakangi oleh adanya variasi kondisi kesejahteraan guru dan budaya sekolah pada pondok pesantren di Kecamatan Canduang yang berkaitan dengan kinerja guru. Penelitian ini bertujuan untuk menganalisis kontribusi kesejahteraan guru dan budaya sekolah terhadap kinerja guru pondok pesantren. Kebaruan penelitian ini terletak pada pengkajian kedua variabel tersebut secara bersamaan dalam konteks pendidikan pesantren yang memiliki karakteristik nilai religius dan budaya kelembagaan yang khas. Penelitian menggunakan pendekatan kuantitatif dengan teknik quota sampling terhadap 106 guru dari tiga pondok pesantren. Data dikumpulkan melalui angket skala Likert dan dianalisis menggunakan uji normalitas, linearitas, korelasi Pearson, dan uji F dengan bantuan SPSS 22. Hasil penelitian menunjukkan bahwa kesejahteraan guru belum terbukti berkontribusi signifikan pada taraf 5% terhadap kinerja guru (Sig. = 0,055; r = 0,187; R² = 0,035). Sebaliknya, budaya sekolah berkontribusi signifikan terhadap kinerja guru (Sig. = 0,003; r = 0,283; R² = 0,080), meskipun kekuatan hubungannya rendah. Secara simultan, kesejahteraan guru dan budaya sekolah memiliki hubungan yang signifikan dengan kinerja guru (F = 5,330; Sig. = 0,006), dengan R² sebesar 0,094 atau 9,4% berdasarkan perhitungan kembali.