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All Journal Iqtishaduna : Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Jurnal Ekonomi, Bisnis dan Manajemen
Nabilatul Fitriyah
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Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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PENGARUH PARTICIPATORY BUDGETING DAN INFORMASI ASIMETRIS TERHADAP BUDGETARY SLACK PADA BADAN PENDAPATAN, PENGELOLAAN KEUANGAN DAN ASET DAERAH (BPPKAD) KABUPATEN SUMENEP Iqbal Rafiqi; Sri Kania Dewi Yana; Nabilatul Fitriyah
Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Vol 2, No 1 (2021): Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen
Publisher : Institut Dirosat Islamiyah Al-Amien Prenduan Sumenep

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (876.06 KB) | DOI: 10.28944/masyrif.v2i1.496

Abstract

In government organizations, the budget is a guideline for financial management in order to achieve goals. Budgeting is an important perspective for the public and private sectors. This study aims to determine the effect of participatory budgeting and information asymmetry on budgetary slack  in the Regional Revenue, Financial and Asset Management Agency of Sumenep Regency. Sampling using purposive sampling method, totaling 27 structural employees. Data collection was done through a questionnaire. The analytical technique used in this research is regression analysis with IBM SPSS 20 software for windows.Based on the results of data management, it was obtained that the f-test significance value for the influence of participatory budgeting and information asymmetry on budgetary slack was 0.205 > 0.05. This proves that Ho3 is accepted and Ha3 is accepted. This means that there is no significant effect of budgetary participation and information asymmetry on budgetary slack in a negative direction. Thus, the participatory budget of subordinates and information asymmetry, the difference in information held by subordinates and superiors at the Regional Revenue, Financial and Asset Management Agency in Sumenep Regency does not really affect the existence of budgetary slack.
PENGARUH PARTICIPATORY BUDGETING DAN INFORMASI ASIMETRIS TERHADAP BUDGETARY SLACK PADA BADAN PENDAPATAN, PENGELOLAAN KEUANGAN DAN ASET DAERAH (BPPKAD) KABUPATEN SUMENEP Iqbal Rafiqi; Sri Kania Dewi Yana; Nabilatul Fitriyah
Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Vol 2, No 1 (2021): Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen
Publisher : Institut Dirosat Islamiyah Al-Amien Prenduan Sumenep

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/masyrif.v2i1.496

Abstract

In government organizations, the budget is a guideline for financial management in order to achieve goals. Budgeting is an important perspective for the public and private sectors. This study aims to determine the effect of participatory budgeting and information asymmetry on budgetary slack  in the Regional Revenue, Financial and Asset Management Agency of Sumenep Regency. Sampling using purposive sampling method, totaling 27 structural employees. Data collection was done through a questionnaire. The analytical technique used in this research is regression analysis with IBM SPSS 20 software for windows.Based on the results of data management, it was obtained that the f-test significance value for the influence of participatory budgeting and information asymmetry on budgetary slack was 0.205 > 0.05. This proves that Ho3 is accepted and Ha3 is accepted. This means that there is no significant effect of budgetary participation and information asymmetry on budgetary slack in a negative direction. Thus, the participatory budget of subordinates and information asymmetry, the difference in information held by subordinates and superiors at the Regional Revenue, Financial and Asset Management Agency in Sumenep Regency does not really affect the existence of budgetary slack.
PENYELESAIAN WANPRESTASI ANTARA KELOMPOK SIMPAN PINJAM DENGAN KOORDINATOR KELOMPOK DALAM PERJANJIAN KREDIT PADA PROGRAM BUMDESMA KEC. BLUTO Nabilatul Fitriyah
Iqtishaduna: Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah Vol 6 No 2 (2025): Januari
Publisher : Jurusan Hukum Ekonomi Syariah Fakultas Syariah dan Hukum Uin Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtishaduna.vi.52948

Abstract

Abstrak Program simpan pinjam BUMDesma Kec Bluto merupakan sarana yang bertujuan untuk memberdayakan ekonomi masyarakat lokal, meningkatkan usaha mikro, dan mendukung kemandirian keuangan. Hal tersebut merupakan upaya pemerintah untuk meningkatkan kesejahteraan masyarakat pedesaan. Penelitian ini bertujuan untuk mengetahui faktor penyebab terjadinya sengketa wanprestasi dalam perjanjian kredit antara kelompok simpan pinjam dengan koordinator kelompok di Desa Aengdake dan juga mekanisme penyelesaian sengketa tersebut.  Penelitian ini menggunakan penelitian hukum yuridis empiris. Sumber data primer diperoleh melalui wawancara dan observasi, sedangkan data sekunder bersumber dari kajian pustaka. Analisis data yang digunakan adalah analisis deskriptif. Adapun hasil penelitian, (1) faktor utama penyebab terjadinya sengketa wanprestasi antara kelompok simpan pinjam dengan koordinator kelompok di Desa Aengdake pada program BUMDesma Kec. Bluto adalah faktor dari sisi internal si debitur dengan berbagai alasan, seperti ekonomi kurang stabil. (2) mekanisme penyelesaian sengketa yang diterapkan oleh BUMDesma adalah dengan musyarawah antara kedua belah pihak untuk menemukan titik temu (kesepakatan). Kata Kunci: Wanprestasi, Kelompok Simpan Pinjam, Koordinator Kelompok, BUMDesma   Abstract The Bluto District BUMDesma savings and loan program is a means that aims to empower the local community's economy, increase micro-enterprises, and support financial independence. This is the government's effort to improve the welfare of rural communities. This research aims to determine the factors causing default disputes in credit agreements between savings and loan groups and group coordinators in Aengdake Village and also the mechanism for resolving these disputes.  This research uses empirical juridical legal research. Primary data sources were obtained through interviews and observations, while secondary data came from literature review. The data analysis used is descriptive analysis. As for the research results, (1) the main factors causing default disputes between savings and loan groups and group coordinators in Aengdake Village in the BUMDesma District program. Bluto is a factor from the debtor's internal side for various reasons, such as a less stable economy. (2) the dispute resolution mechanism implemented by BUMDesma is through deliberation between the two parties to find common ground (agreement). Keywords: Default; Saving and Loan Groups; Group Coordinators; BUMDesma
Co-Authors Rafiqi, Iqbal Sri Kania Dewi Yana