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All Journal Jurnal Sosial Ekonomi Pertanian Jurnal Social Economic of Agriculture Agro Ekonomi Agricore: Jurnal Agribisnis dan Sosial Ekonomi Pertanian Unpad Jurnal Agribisnis Al Ishlah Jurnal Pendidikan Jurnal EMT KITA Journal of Islamic Economic Laws Abditani : Jurnal Pengabdian Masyarakat E-Mabis: Jurnal Ekonomi Manajemen dan Bisnis Ecces: Economics, Social, and Development Studies Agro Bali: Agricultural Journal JEKPEND Jurnal Ekonomi dan Pendidikan Jurnal Ekuilnomi Pinisi Business Administration Review Jurnal Ilmu Ekonomi Bulletin of Economic Studies (BEST) Seminar Nasional Pengabdian Kepada Masyarakat Seminar Nasional Hasil Penelitian LP2M UNM International Journal of Economics, Commerce, and Management Jurnal Abdimas Peradaban ENDLESS : International Journal of Future Studies Journal of Islamic Economic Laws
Muhammad Imam Ma'ruf
Universitas Negeri Makassar
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemistry Decision Sciences, Operations Research & Management Dentistry Economics, Econometrics & Finance Education Energy Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Mathematics Medicine & Pharmacology Public Health Social Sciences Other

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Efisiensi dan Efektifitas Anggaran Pembangunan Infrastruktur Jalan di Provinsi Sulawesi Selatan Zaenal, Andi Haidir; Rahim, Abd.; Bado, Basri; Ma’ruf, Muhammad Imam; Hastuti, Diah Retno Dwi
Bulletin of Economic Studies (BEST) Vol 5 No 3 (2025)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/best.v5i3.62814

Abstract

Penelitian ini bertujuan mengevaluasi kinerja pengelolaan anggaran pembangunan infrastruktur jalan di Provinsi Sulawesi Selatan dengan menggunakan pendekatan deskriptif kuantitatif dalam kerangka Value for Money. Analisis difokuskan pada dua indikator utama, yakni efisiensi penyerapan anggaran sebagai representasi pemanfaatan input fiskal dan efektivitas capaian kemantapan jalan sebagai ukuran pencapaian hasil pembangunan. Temuan penelitian menunjukkan bahwa efisiensi anggaran mengalami variasi sepanjang periode pengamatan, sementara efektivitas capaian kemantapan jalan cenderung stabil relatif terhadap target yang ditetapkan. Meskipun demikian, identifikasi terhadap dinamika kedua indikator tersebut mengungkap adanya ketidaksejajaran struktural, khususnya ketika peningkatan realisasi anggaran tidak diikuti oleh pencapaian hasil fisik yang sepadan. Fenomena tersebut mengindikasikan perlunya penelaahan lebih mendalam terhadap proses perencanaan, pengadaan, serta pengawasan mutu pada pembangunan infrastruktur jalan. Penelitian ini menegaskan bahwa penilaian kinerja anggaran tidak dapat berhenti pada tingkat serapan, tetapi harus mempertimbangkan kesesuaian antara penggunaan sumber daya dan hasil pembangunan yang dihasilkan. Implikasi penelitian menekankan urgensi penerapan perencanaan berbasis kinerja, peningkatan tata kelola pengadaan, dan penguatan mekanisme monitoring untuk memastikan tercapainya nilai publik yang optimal.
Karakteristik Sosial Ekonomi dan Kesejahteraan Petani Lada di Desa Loeha, Kabupaten Luwu Timur Arifuddin, Nurazizah; Bado, Basri; Hastuti, Diah Retno Dwi; Rahim, Abd.; Ma’ruf, Muhammad Imam
Bulletin of Economic Studies (BEST) Vol 6 No 1 (2026)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/best.v6i1.63140

Abstract

Penelitian ini bertujuan menguji secara empiris faktor-faktor yang memengaruhi kesejahteraan petani lada di Desa Loeha, Kecamatan Towuti, Kabupaten Luwu Timur. Permasalahan penelitian didasarkan pada rendahnya tingkat kesejahteraan petani yang ditandai oleh pendapatan yang terbatas, ketergantungan pada satu komoditas, serta minimnya sumber pendapatan alternatif. Penelitian ini menganalisis pengaruh tingkat pendidikan, luas panen lada, keterlibatan dalam pekerjaan lain, dan jumlah tanggungan keluarga terhadap kesejahteraan petani. Pendekatan yang digunakan adalah kuantitatif dengan analisis utama regresi linear berganda. Sebelum dilakukan analisis regresi linear berganda, penelitian ini juga melakukan uji validitas konstruk menggunakan Confirmatory Factor Analysis (CFA). Penelitian ini menggunakan 35 responden petani lada yang dipilih sebagai studi kasus eksploratif untuk menggambarkan kondisi sosial ekonomi petani di Desa Loeha. Hasil penelitian menunjukkan bahwa tingkat pendidikan, luas panen lada, dan keterlibatan dalam pekerjaan lain berpengaruh positif dan signifikan terhadap kesejahteraan petani, sedangkan jumlah tanggungan keluarga berpengaruh negatif. Temuan ini menunjukkan bahwa peningkatan kesejahteraan petani dapat didorong melalui kebijakan peningkatan pendidikan petani, optimalisasi pengelolaan lahan, serta pengembangan diversifikasi sumber pendapatan di wilayah pedesaan.
Determination of Consumer Credit Demand at Regional Development Banks: A Case Study of PT Bank Sulselbar Anniza Reskywana Dwi Putri; Diah Retno Dwi Hastuti; Sri Astuty; Irwandi Irwandi; Muhammad Imam Ma’ruf
Jurnal Ilmu Ekonomi JIE Vol. 10 No. 02 (2026): Jurnal Ilmu Ekonomi
Publisher : Program Studi Ekonomi Pembangunan Universitas Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jie.v10i02.43101

Abstract

This study analyses the effects of prime lending rates, the number of consumer credit accounts, and inflation on consumer credit distribution at PT Bank Sulselbar for the 2020–2024 period using a quantitative approach based on secondary data from PT Bank Sulselbar's financial statements and the Central Statistics Agency. The analysis was conducted using multiple linear regression supported by the classical assumption test. The results show that interest rates and the number of accounts have a positive and significant effect on consumer credit distribution, while inflation has a negative and significant effect. Simultaneously, all three variables have a significant effect, with an Adjusted R² of 0.904, indicating the model's ability to explain variation in consumer credit. These findings confirm that PT Bank Sulselbar's consumer credit distribution is more influenced by internal banking factors and the expansion of financial inclusion than inflation, thus managing competitive interest rates and increasing access to financial services are important strategies in supporting intermediation performance and regional economic growth
Multidimensional Sustainability Assessment of Maize Farming in Tropical Regions Yusuf, La Ode Muhammad Iksan; Ma'ruf, Muhammad Imam; Sarinah, Sarinah; Abdur-Rabb, Ahmad Faqhruddin; Darwin, Dirmansyah; Nabila, Asma
Agro Bali : Agricultural Journal Vol 9, No 1 (2026)
Publisher : Universitas Panji Sakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37637/ab.v9i1.2666

Abstract

This study addresses a critical gap in understanding the multidimensional sustainability of tropical maize farming by simultaneously evaluating economic, ecological, socio-cultural, institutional, technological, and infrastructural dimensions using a Multidimensional Scaling (MDS) approach. Focusing on West Muna Regency, Southeast Sulawesi, Indonesia, data were collected from 150 farmers and 30 farmer group leaders, complemented by secondary sources. The study aims to assess sustainability status, identify sensitive attributes influencing outcomes, and provide evidence-based guidance for interventions. Results show an overall sustainability index of 52.59%, indicating a “moderately sustainable” system, with economic (73.81%), socio-cultural (72.01%), and ecological (55.07%) dimensions performing better than institutional (42.24%), infrastructure (40.28%), and technological (32.15%) dimensions. Leverage analysis identifies 18 key attributes critical to sustainability, highlighting the need for targeted interventions to strengthen institutional frameworks, improve infrastructure, and accelerate technology adoption. Beyond policy generalization, the findings offer practical insights for stakeholders, including development agencies and farmer organizations, to design context-specific, inclusive, and operational strategies that enhance the long-term sustainability of maize farming in tropical regions.
Analisis Pengaruh Pendapatan, Belanja, dan Kemandirian Fiskal terhadap Kinerja Keuangan Daerah: Studi pada Provinsi Sulawesi Selatan Syaputra, Muh. Yusril Amal; Kamaruddin, Citra Ayni; Regina, Regina; Ma’ruf, Muhammad Imam; Hastuti, Diah Retno Dwi
Jurnal EMT KITA Vol 10 No 3 (2026): JULY 2026
Publisher : Lembaga Otonom Lembaga Informasi dan Riset Indonesia (KITA INFO dan RISET) - Lembaga KITA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/emt.v10i3.6062

Abstract

This study analyzes the influence of regional revenue, regional expenditure, and fiscal independence on the financial performance of the South Sulawesi Provincial Government. Fluctuations in revenue, expenditure patterns, and the level of fiscal dependency over the last ten years indicate the dynamics of regional financial management. The study uses a quantitative approach with annual time-series data from 2010–2024. Financial performance is measured through the growth ratio, while the independent variables are derived from the Regional Budget (APBD) financial indicators. The results show that each variable has a different influence on financial performance, mainly through expenditure effectiveness, revenue capacity, and the level of fiscal independence. These findings emphasize the importance of increasing fiscal independence and optimizing productive spending in order to strengthen the sustainability of regional financial management.
Tourism Development Strategy to Increase Local Original Income (PAD) in Bulukumba Regency Nurmi Nurmi; Basri Bado; Citra Ayni Kamaruddin; Sri Astuty; Muhammad Imam Maruf
International Journal of Economics, Commerce, and Management Vol. 3 No. 2 (2026): International Journal of Economics, Commerce, and Management
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62951/ijecm.v3i2.1186

Abstract

This study examines the tourism development strategy to increase Local Original Revenue (PAD) in Bulukumba Regency, South Sulawesi. Despite having significant tourism potential, such as Bira Beach and the Pinisi shipbuilding tradition, the contribution of the tourism sector to PAD remains fluctuating and has not been fully optimized. Therefore, this study aims to formulate an effective and targeted tourism development strategy. The research employs a quantitative descriptive approach using observation, Likert-scale questionnaires, and documentation, with data analyzed through SWOT analysis, IFAS-EFAS matrices, and the Grand Strategy Matrix. The findings indicate that the tourism sector has strong internal strengths (5,09) and significant external opportunities (4,99), exceeding its weaknesses (4,56) and threats (3,95), placing it in Quadrant I (aggressive strategy). The results suggest that the most appropriate strategy is the SO (Strengths-Opportunities) strategy, which focuses on optimizing tourism potential, enhancing digital promotion, strengthening cultural-based tourism, and expanding investment in infrastructure. The study concludes that implementing an aggressive and integrated strategy can improve the tourism sector’s contribution to PAD and support regional economic development. These findings highlight the importance of aligning tourism potential with strategic planning to achieve sustainable fiscal growth.
Keputusan Pelaku UMKM Menggunakan QRIS Sebagai Sistem Pembayaran Di Kecamatan Tamalate Dengan Pendekatan Logistik Biner Noer Kholifa Fitriyaningrum; Basri Bado; Sri Astuty; Abd. Rahim; Muhammad Imam Ma’ruf
Jurnal Ekuilnomi Vol. 8 No. 2 (2026): Ekuilnomi Vol 8 (2), Mei 2026
Publisher : Program Studi Ekonomi Pembangunan Fakultas Ekononomi Universitas Simalungun

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36985/thqv0g66

Abstract

Penelitian kuantitatif ini mengkaji keputusan UMKM kuliner dalam mengadopsi dan memilih jenis QRIS (Statis atau Dinamis) di Kecamatan Tamalate, Kota Makassar. Melalui teknik snowball sampling, data dari 40 responden dianalisis menggunakan uji korelasi Rank Spearman dan regresi logistik biner. Hasil uji instrumen menunjukkan seluruh kuesioner valid dan reliabel. Berdasarkan hasil uji Rank Spearman, seluruh variabel bebas (kemanfaatan, kemudahan, keamanan, pengetahuan) memiliki hubungan positif dan signifikan terhadap keputusan menggunakan QRIS secara umum, dengan keamanan sebagai faktor terkuat. Namun, hasil uji regresi logistik biner menunjukkan seluruh variabel bebas tidak memiliki pengaruh signifikan secara statistik terhadap probabilitas pemilihan jenis QRIS yang diperlihatkan oleh nilai yang dihasilkan Nagelkerke sangat rendah yaitu 0,037 atau 3,7%. Ketidaksignifikanan model ini mengungkap implikasi manajerial bahwa keputusan riil UMKM memilih jenis QRIS tidak ditentukan oleh persepsi keamanan atau pengetahuan digital, melainkan pada langkah taktis efisiensi biaya operasional jangka pendek melalui penolakan menggunakan perangkat mesin EDC. Secara makro, dominasi QRIS statis yang masif oleh 95% pelaku UMKM berpotensi mendorong kecepatan peredaran uang (V) dalam teori kuantitas uang, sehingga hal ini dapat mendukung efisiensi transaksi di sektor riil.
Co-Authors Ahmad Faqhruddin Abdur-Rabb Alfina Rahmatia Amar Basra Amar Basra Andi Samsir Andy Putra Wijaya Anniza Reskywana Dwi Putri Arief Dwi Saputra Arief Muharief Arifuddin, Nurazizah Asrahmaulyana Basri Bado Basri Bado Basri Bado, Basri Citra Ayni Kamaruddin Darwin, Dirmansyah Dedie Tooy Dewi Rahmawati Dewi Rahmawati Diah Retno Dwi Hastuti Dwi Aras Pancarany Gymnastiar, Iman Ahmad Irwandi Juhamri Ken Suratiyah Khotimatul Barki M. Fadhil Albi Marhawati Muhammad Hasan Murthada Nabila, Asma Noer Kholifa Fitriyaningrum Nur Fauziah Nuraisyiah Nuraisyiah Nuraisyiah, Nuraisyiah Nurdiana Nurdiana Nurmi Nurmi Nurul Fajriyanti Parandy, La Mema Qarina Qarina Rahim, Abd Regina Regina Samudera, Arung Saputra, Arief Dwi Sari, Yollit Permata Sarinah Sarinah Sitti Aisyah Sitti Hajerah Hasyim Sri Astuty Sri Astuty Sri Astuty Supriatna, Encup Syaputra, Muh. Yusril Amal Tekat Sukomardojo Tito Koes Hardianto Tuti Supatminingsih Wijaya, Andy Putra Yusuf, La Ode Muhammad Iksan Zaenal, Andi Haidir