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All Journal Indonesian Treasury Review: Jurnal Perbendaharaan, Keuangan Negara dan Kebijakan Publik Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Harsya Saputra
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Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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Exploratory Factor Analysis (EFA) Pada Penyerapan Anggaran Pendapatan dan Belanja Negara (APBN) Tahun 2017 di Provinsi Sumatera Barat Aulia Rahim; Harsya Saputra
Indonesian Treasury Review: Jurnal Perbendaharaan, Keuangan Negara dan Kebijakan Publik Vol 3 No 3 (2018): Indonesian Treasury Review: Jurnal Perbendaharaan, Keuangan Negara, dan Kebijakan
Publisher : Direktorat Jenderal Perbendaharaan, Kementerian Keuangan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (458.385 KB) | DOI: 10.33105/itrev.v3i3.72

Abstract

Slow back-loaded pattern highlights challenges and raises a specific concern over the quality of state budget (APBN) implementation in West Sumatera Province. This study aims to investigate factors constraining state budget (APBN) absorption in 2017 which directly causes the existence of such a pattern. A set of questionnaires were used to collect primary data. Exploratory Factor Analysis (EFA) was utilized to identify latent variables underlying the scale and SPSS.22 was employed to test questionnaires from 200 working units that involved in this research. The findings explain that six main factors influencing state budget absorption in West Sumatera were a. Goods and Services Procurement, b. Internal Policy Changes, c. Budget Planning, d. Financial Officers, e.Changes on Government Policy and f. Document Verification Process on Budget Execution. This study recommends that working units should prepare for early procurement to expedite the budget absorption. Pola slow back-loaded merupakan tantangan terhadap kualitas pelaksanaan APBN di Sumatera Barat. Studi ini bertujuan untuk menginvestigasi faktor-faktor yang mempengaruhi penyerapan APBN di Sumatera Barat pada tahun 2017 yang secara langsung mempengaruhi pola penyerapan yang terjadi. Satu set kuesioner digunakan untuk mendapatkan data primer yang dibutuhkan. Teknik analisis faktor eksploratori digunakan untuk mengidentifikasi variabel laten yang ada dan SPSS 22 digunakan untuk melakukan tes statistik terhadap kuesioner yang diperoleh dari 200 satker yang terlibat di penelitian ini. Hasil penelitian menjelaskan bahwa enam faktor yang berpengaruh terhadap penyerapan APBN di Provinsi Sumatera Barat yaitu a.Faktor Proses Lelang Pengadaan Barang dan Jasa, b.Faktor Perubahan Kebijakan Internal Satuan Kerja dan K/L, c. Faktor Administrasi Perencanaan Anggaran, d.Faktor Pejabat Perbendaharaan, e. Faktor Perubahan Kebijakan Pemerintah dan f. Faktor Proses Verifikasi Dokumen Untuk Pelaksanaan Anggaran. Studi ini salah satunya merekomendasikan percepatan pelaksanaan pengadaan barang dan jasa untuk mempercepat penyerapan anggaran.
Kredit Usaha Rakyat (KUR): Jalan Pintas Atau Solusi untuk Kemiskinan Multidimensi di Indonesia? Harsya Saputra; Hefrizal Handra; Sri Maryati
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 4 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i4.7593

Abstract

This study aims to analyze the impact of the People’s Business Credit Program (KUR) on reducing multidimensional poverty in Indonesia. Using the Propensity Score Matching (PSM) method, this research measures the effectiveness of KUR in improving community welfare by expanding access to financing. The findings indicate that KUR has a significant impact on reducing multidimensional poverty, primarily through increased access to business capital, job creation, and higher household income for beneficiaries. These results align with previous studies highlighting the role of microcredit in poverty alleviation. However, the effectiveness of KUR depends on policy implementation and local conditions. Therefore, integrating KUR with other empowerment programs, such as entrepreneurship training and financial literacy, is necessary to maximize its impact. Additionally, the government is encouraged to strengthen monitoring and evaluation systems to ensure the program's long-term sustainability. Through these measures, KUR is expected to become more effective in enhancing community welfare and reducing socio-economic disparities in Indonesia.
Co-Authors Aulia Rahim HANDRA, HEFRIZAL Sri Maryati