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All Journal Edukasi Islami: Jurnal Pendidikan Islam JEKKP (JURNAL EKONOMI, KEUANGAN DAN KEBIJAKAN PUBLIK) International Journal of Economics (IJEC)
Sadly, Effendi
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Economics, Econometrics & Finance Education Social Sciences

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Dana Desa Dan Alokasi Dana Desa: Menuju Peningkatan Kesejahteraan Masyarakat Desa Mekar Sari, Kecamatan Delitua, Kabupaten Deli Serdang. Rahmarisa, Faty; Sadly, Effendi; Harahap, Pepy Saninda
JEKKP (Jurnal Ekonomi, Keuangan dan Kebijakan Publik) Vol 6, No 1 (2024): 30 Juli 2024
Publisher : Universitas Islam Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30743/jekkp.v6i1.9614

Abstract

Dana Desa dan Alokasi Dana Desa adalah dana yang berasal dari pemerintah dengan tujuan agar dapat memajukan seluruh desa di Indonesia. Tujuan dari penelitian ini adalah untuk melihat seberapa besar pengaruh Dana Desa dan Alokasi Dana Desa dapat mensejahterakan masyarakat. Dengan menggunakan rumus slovin, sampel dalam penelitian ini berjumlah 99 orang dengan teknik pengambilan sampel simple random sampling .Teknik pengumpulan data dilakukan dengan cara menyebarkan angket (kuesioner), wawancara, studi dokumentasi dan observasi. Data yang dikumpulkan kemudian akan dianalis dengan uji instrument penelitian yaitu: uji validitas dan reliabilitas. Kemudian dilanjutkan dengan uji asumsi klasik diantaranya: uji normalitas, uji linearitas, uji heterokedastisitas, uji multikolinearitas. Lalu analisis regresi linier berganda dan uji hipotesis yaitu uji t atau uji parsial dan uji f. Hasil penelitian menunjukkan bahwa Dana Desa dan Alokasi Dana Desa berpengaruh positif dan signifikan terhadap kesejahteraan masyarakat Desa Mekar Sari.
Analisis Penggunaan E-Wallet Terhadap Mahasiswa Universitas Islam Sumatera Utara Tahun 2022 Farhan, M; Sadly, Effendi; Neruz, Milla
JEKKP (Jurnal Ekonomi, Keuangan dan Kebijakan Publik) Vol 5, No 2 (2023): 30 Desember
Publisher : Universitas Islam Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30743/jekkp.v5i2.8615

Abstract

The background of this thesis research is that the development of the digitalization era is getting faster and faster, demanding changes in the transaction sector using digital applications (E-Wallets) that are increasingly modern and efficient. The times have given rise to various payment methods through digital applications such as OVO and DANA.The use of e-wallets in big cities in Indonesia is increasing every year. Most users of e-wallets are millennials, especially students. This study examines the use of e-wallets among students, especially at the Islamic University of North Sumatra, such as how students know about e-wallets, the impact of using e-wallets, and problems using e-wallets in transactions. This research method uses a quantitative research type. The data source used is primary data obtained from questionnaires distributed to respondents, namely students of the Islamic University of North Sumatra, as many as 100 respondents. The sampling technique used in this study is the stratified random sampling technique. Questionnaire data were analyzed using SPSS 25.0 by carrying out several stages of data analysis test, validity test, reliability test, classical assumption test, multiple linear regression test, hypothesis test (t and F test) and the coefficient of determination (R2). Based on the results of the study with the partial test (t), there is a positive and significant effect in the OVO and DANA (X1) E-Wallet application on students as evidenced by the value obtained by t-count t-table, namely 2.124 1.984 and a significance value of 0.308 0.05, then H0 is rejected and H1 is accepted, and there is no positive and significant effect on the impact of using E-Wallet (X2) and problems using E-Wallet on students (Y ) as evidenced by the financial literacy value (X2) obtained by t-count t-table, namely 2.475 1.984 and a significance value of 0.720 0.05 then H0 is rejected and H1 is accepted. While using the simultaneous test (F) it is known that the F-count value is 0.391 F- table of 1.984 and Prob α = 0.760 0.05 so that it can be said simultaneously that variables X1 (OVO E-Wallet and DANA), X2 (Effects of using E-Wallet), and X3 (Problems using E-Wallet) have a significant and significant effect on Y (UISU Student). The coefficient of determination R2 shows 0.112 with a percentage of 11.2%.
Sharia Economics in Improving Community Life Sadly, Effendi; Effendi, Samsul; Agustami, Eli
International Journal of Economics (IJEC) Vol. 4 No. 1 (2025): January-June
Publisher : PT Inovasi Pratama Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55299/ijec.v4i1.796

Abstract

Human resources are aknowledgeor how to organize relationships and rolesresource(workforce) owned byindividualefficiently and effectively and can be used optimally so that the goals of the company, employees and the community are achieved optimally. HR is based on a concept that every employee ismannot a machine and not merely a business resource. combining several fields of science such aspsychology,sociology, and othersHuman resource management also concernsdesign and implementation of planning systems, staffing, employee development, career management, performance evaluation, employee compensation and good labor relations. Human resource management involves all management decisions and practices that directly affect its human resources.
Customer Behavior Analysis in the Adoption of Islamic Banking Products: An Empirical Study on Trust, Religiosity, and Service Quality Sadly, Effendi; Agustami, Eli; Effendi, Syamsul
International Journal of Economics (IJEC) Vol. 4 No. 1 (2025): January-June
Publisher : PT Inovasi Pratama Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55299/ijec.v4i1.1448

Abstract

This study explores customer behavior regarding the adoption of Islamic banking products, emphasizing the roles of trust, religiosity, and service quality. Utilizing a quantitative research approach, data were collected from a diverse sample of Islamic banking customers through structured questionnaires. The findings reveal that trust significantly influences customer decisions to adopt Islamic banking products, while religiosity enhances this relationship by fostering a deeper commitment to Islamic financial principles. Additionally, service quality emerged as a critical factor, shaping customer satisfaction and loyalty. This empirical study contributes to the understanding of consumer behavior in Islamic finance and offers insights for banking institutions to enhance their strategies in attracting and retaining customers. The implications of these findings highlight the necessity for Islamic banks to cultivate trust, address the spiritual needs of customers, and prioritize high service quality to succeed in a competitive market.
Determinants of Customer Loyalty Toward Islamic Financial Products: The Role of Perceived Value, Satisfaction, and Religious Commitment Sadly, Effendi
International Journal of Economics (IJEC) Vol. 4 No. 1 (2025): January-June
Publisher : PT Inovasi Pratama Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55299/ijec.v4i1.1449

Abstract

This study investigates the determinants of customer loyalty toward Islamic financial products, focusing on perceived value, customer satisfaction, and religious commitment. The Islamic finance sector has experienced significant growth, attracting customers seeking ethical financial solutions compliant with Sharia principles. Understanding the factors that drive customer loyalty is crucial for Islamic banks aiming to cultivate long-term relationships. Utilizing a quantitative approach, data were collected through surveys distributed to customers of Islamic banks. The findings reveal that both perceived value and customer satisfaction significantly influence customer loyalty, with perceived value leading to a stronger commitment among customers. Additionally, religious commitment was found to moderate the relationship between perceived value and loyalty, indicating that customers with higher religious commitment derive greater loyalty from their perceived value of Islamic financial products. These insights suggest that Islamic banks should enhance the perceived value of their offerings by highlighting both financial and spiritual benefits. Furthermore, improving customer satisfaction through high-quality service and responsiveness to client needs is essential for fostering loyalty. This study contributes to the understanding of customer behavior in the Islamic finance sector and provides practical implications for Islamic financial institutions seeking to strengthen customer loyalty. By aligning products with customer values and enhancing service quality, Islamic banks can effectively build and maintain lasting relationships with their clients, ultimately positioning themselves for sustained growth in a competitive market.
Analisis Penggunaan E-Wallet Terhadap Mahasiswa Universitas Islam Sumatera Utara Tahun 2022 Farhan, M; Sadly, Effendi; Neruz, Milla
JEKKP (Jurnal Ekonomi, Keuangan dan Kebijakan Publik) Vol 5, No 2 (2023): 30 Desember
Publisher : Universitas Islam Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30743/jekkp.v5i2.8615

Abstract

The background of this thesis research is that the development of the digitalization era is getting faster and faster, demanding changes in the transaction sector using digital applications (E-Wallets) that are increasingly modern and efficient. The times have given rise to various payment methods through digital applications such as OVO and DANA.The use of e-wallets in big cities in Indonesia is increasing every year. Most users of e-wallets are millennials, especially students. This study examines the use of e-wallets among students, especially at the Islamic University of North Sumatra, such as how students know about e-wallets, the impact of using e-wallets, and problems using e-wallets in transactions. This research method uses a quantitative research type. The data source used is primary data obtained from questionnaires distributed to respondents, namely students of the Islamic University of North Sumatra, as many as 100 respondents. The sampling technique used in this study is the stratified random sampling technique. Questionnaire data were analyzed using SPSS 25.0 by carrying out several stages of data analysis test, validity test, reliability test, classical assumption test, multiple linear regression test, hypothesis test (t and F test) and the coefficient of determination (R2). Based on the results of the study with the partial test (t), there is a positive and significant effect in the OVO and DANA (X1) E-Wallet application on students as evidenced by the value obtained by t-count t-table, namely 2.124 1.984 and a significance value of 0.308 0.05, then H0 is rejected and H1 is accepted, and there is no positive and significant effect on the impact of using E-Wallet (X2) and problems using E-Wallet on students (Y ) as evidenced by the financial literacy value (X2) obtained by t-count t-table, namely 2.475 1.984 and a significance value of 0.720 0.05 then H0 is rejected and H1 is accepted. While using the simultaneous test (F) it is known that the F-count value is 0.391 F- table of 1.984 and Prob α = 0.760 0.05 so that it can be said simultaneously that variables X1 (OVO E-Wallet and DANA), X2 (Effects of using E-Wallet), and X3 (Problems using E-Wallet) have a significant and significant effect on Y (UISU Student). The coefficient of determination R2 shows 0.112 with a percentage of 11.2%.
Dana Desa Dan Alokasi Dana Desa: Menuju Peningkatan Kesejahteraan Masyarakat Desa Mekar Sari, Kecamatan Delitua, Kabupaten Deli Serdang. Rahmarisa, Faty; Sadly, Effendi; Harahap, Pepy Saninda
JEKKP (Jurnal Ekonomi, Keuangan dan Kebijakan Publik) Vol 6, No 1 (2024): 30 Juli 2024
Publisher : Universitas Islam Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30743/jekkp.v6i1.9614

Abstract

Dana Desa dan Alokasi Dana Desa adalah dana yang berasal dari pemerintah dengan tujuan agar dapat memajukan seluruh desa di Indonesia. Tujuan dari penelitian ini adalah untuk melihat seberapa besar pengaruh Dana Desa dan Alokasi Dana Desa dapat mensejahterakan masyarakat. Dengan menggunakan rumus slovin, sampel dalam penelitian ini berjumlah 99 orang dengan teknik pengambilan sampel simple random sampling .Teknik pengumpulan data dilakukan dengan cara menyebarkan angket (kuesioner), wawancara, studi dokumentasi dan observasi. Data yang dikumpulkan kemudian akan dianalis dengan uji instrument penelitian yaitu: uji validitas dan reliabilitas. Kemudian dilanjutkan dengan uji asumsi klasik diantaranya: uji normalitas, uji linearitas, uji heterokedastisitas, uji multikolinearitas. Lalu analisis regresi linier berganda dan uji hipotesis yaitu uji t atau uji parsial dan uji f. Hasil penelitian menunjukkan bahwa Dana Desa dan Alokasi Dana Desa berpengaruh positif dan signifikan terhadap kesejahteraan masyarakat Desa Mekar Sari.
Sharia Economics in Improving Community Life Sadly, Effendi; Effendi, Samsul; Agustami, Eli
International Journal of Economics (IJEC) Vol. 4 No. 1 (2025): January-June
Publisher : PT Inovasi Pratama Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55299/ijec.v4i1.796

Abstract

Human resources are aknowledgeor how to organize relationships and rolesresource(workforce) owned byindividualefficiently and effectively and can be used optimally so that the goals of the company, employees and the community are achieved optimally. HR is based on a concept that every employee ismannot a machine and not merely a business resource. combining several fields of science such aspsychology,sociology, and othersHuman resource management also concernsdesign and implementation of planning systems, staffing, employee development, career management, performance evaluation, employee compensation and good labor relations. Human resource management involves all management decisions and practices that directly affect its human resources.
A PHENOMENON WAVE OF MASS TERMINATIONS IN THE MIDDLE OF RISING ECONOMIC GROWTH IN DIGITAL BUSINESS COMPANIES (STARTUPS) AND IT’S EFFECT ON ISLAMIC EDUCATION Sadly, Effendi; Hasanah, Uswatun
Edukasi Islami: Jurnal Pendidikan Islam Vol. 11 No. 03 (2022): Edukasi Islami: Jurnal Pendidikan Islam
Publisher : Sekolah Tinggi Agama Islam Al Hidayah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30868/ei.v11i03.4270

Abstract

The phenomenon of employee layoffs is increasingly widespread in the startup world. One by one, startups start laying off employees, from small companies to unicorns. This situation occurred when Indonesia's economic growth was rising. This study aims to discuss the causes of the emergence of waves of layoffs amid increasing economic growth and how to respond to this condition so as not to disrupt national economic stability. The method used is descriptive qualitative. The results obtained are poor management, macroeconomic pressures, and the anticipation of a global recession are the main factors for mass layoffs in the startup world. The connection with economic growth is increasing because the employment rate in other sectors has increased. The government, as the regulator, has taken swift steps to implement work-intensive programs and Vocational Skills Education to respond to the increasing number of layoffs in the startup world. Therefore, the wave of layoffs is an attempt by companies to continue to exist in the world of digital startups
Co-Authors Agustami, Eli Effendi, Samsul Effendi, Syamsul Farhan, M Harahap, Pepy Saninda Neruz, Milla Rahmarisa, Faty Uswatun Hasanah