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Understand Fiscal Decentralization and the Potential Moral Hazard in Indonesia Ahmad Fadhil Imran; Basri Bado; Hafid Sumarwadji
Jurnal Ecodemica : Jurnal Ekonomi Manajemen dan Bisnis Vol 7, No 1 (2023): Ecodemica: Jurnal Ekonomi, Manajemen dan Bisnis
Publisher : LPPM Universitas BSI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31294/eco.v7i1.15100

Abstract

Fiscal decentralization as a product form of political economy policy is a determinant of a country's economic growth. However, the implementation of these policies is considered vulnerable due to a lack of transparency and accountability, so that abuse of authority at the local government level often occurs which causes moral hazard and triggers fiscal policy inefficiencies. We describe the search related to fiscal decentralization through this research and how the potential for moral hazard can occur in Indonesia. This type of research is a literature study using a descriptive qualitative approach. The data collected is in the form of results from literature reviews, journals, books, newspapers, and documentation that are considered relevant. After reviewing, criticizing, and synthesizing representative literature in such a way, we are able to find several facts indicating that fiscal decentralization can be a solution to overcome economic inequality, on the other hand it can also be utilized by various parties for personal gain. With various polarizations built by the authorities, moral hazard has the potential to occur at any time.
Pengenalan Materi Ekonomi Berwawasan Lingkungan sebagai Fondasi dalam Mewujudkan ESD (Education for Sustainable Development) di SMAN 10 Makassar Imran, Ahmad Fadhil; Sumarwadji, Hafid; Idham, Afif Zuhdy; Rustan, Dwi Rezki Hardianto Putra
Jurnal Pengabdian Sosial Vol. 1 No. 9 (2024): Juli
Publisher : PT. Amirul Bangun Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59837/qy4pkc17

Abstract

Kegiatan ekonomi seringkali dianggap sebagai pemicu terjadinya pencemaran lingkungan, diiringi dengan timbulnya beragam bencana yang diakibatkan oleh faktor antropogenik. Kehadiran ESD (Education for Sustainable Development) tentunya menjadi komitmen penting yang patut diwujudkan di setiap sekolah sebagai sarana kognitif dalam mengatasi masalah-masalah lingkungan. Situasi tersebut mendasari kegiatan pengabdian kepada masyarakat ini dilakukan. Dengan memperkenalkan materi ekonomi berwawasan lingkungan kepada guru dan siswa, diharapkan ESD dapat bertumbuh dan berkembang. Metode yang digunakan dalam kegiatan ini adalah ceramah dengan teknik presentasi beberapa materi terkait ekonomi berwawasan lingkungan selama 2 (dua) hari, kemudian dilanjutkan dengan tanya jawab. Kegiatan ini dikemas dalam bentuk diskusi, dan untuk memastikan efektifitas pelaksanaannya maka dilakukan evaluasi dalam bentuk instrumen angket yang diberikan kepada guru dan siswa SMAN 10 Makassar sebagai peserta. Hasil kegiatan pengabdian ini mendapat respons dari peserta dengan nilai rata-rata 89 yang termasuk dalam kategori “sangat baik”. Secara umum, kegiatan pengenalan materi ekonomi berwawasan lingkungan ini diharapkan dapat berkontribusi positif dalam rangka mendorong masyarakat agar lebih peduli pada kelestarian lingkungan melalui ESD di sekolah-sekolah sebagai tempat membangun kesadaran para generasi selanjutnya.
Learning Discipline and Teacher Performance on Critical Thinking Skills of Students in the Merdeka Belajar Era Sahade; Imran, Ahmad Fadhil; Sumarwadji, Hafid
Jurnal Pendidikan Indonesia Vol 13 No 2 (2024): June
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23887/jpiundiksha.v13i2.68864

Abstract

Most teachers find it difficult to stimulate students' critical thinking, especially since the independent learning curriculum was implemented. In fact, the implementation of the curriculum at the same time supports teachers and students to adapt quickly in order to realize the learning process of high order thinking skills. This study was conducted with the aim of analyzing the extent to which learning discipline and teacher performance affect students' critical thinking skills in Vocational High Schools. This type of research is causal relationship research with a quantitative approach. The population in this study were all X AKL class students, totalling 140 students. The sample in this study was 56 students. The data collection techniques used were questionnaires and tests, and then the data were analyzed using descriptive percentages, instrument tests, classical assumption tests, and hypothesis testing. The findings of this study indicate that learning discipline partially has no effect on critical thinking skills, and teacher performance partially affects critical thinking skills. However, simultaneously, learning discipline and teacher performance do not affect students' critical thinking skills in accounting subjects in the era of independent learning.
PELATIHAN ANALISIS DATA KUANTITATIF DENGAN SOFTWARE SPSS SEBAGAI PENINGKATAN KETERAMPILAN OLAH DATA MAHASISWA UIN PALOPO Erwin; Fasiha; Muh. Irshan Sachrir; Andi Nur Wahyuningsih; Hafid Sumarwadji
BUDIMAS : JURNAL PENGABDIAN MASYARAKAT Vol. 7 No. 3 (2025): BUDIMAS : Jurnal Pengabdian Masyarakat
Publisher : LPPM ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/budimas.v7i3.18113

Abstract

This community service program aims to improve the understanding and skills of quantitative data analysis at UIN Palopo students through quantitative data analysis training using SPSS software. The community service method used is participatory action, a method that places the community, especially students, in an empowerment program to solve the problems they face. This community service program is conducted in three stages: 1) the planning stage, which includes determining the community service target, determining the training topic, and determining the materials and tools used during the service. The second stage, implementation, includes SPSS application installation, an introduction to the application, in-depth material delivery, hands-on practice using SPSS, data processing and interpretation, and discussion sessions. The third stage, evaluation and monitoring, includes material evaluation, discussion sessions, and mentoring outside of the training. With an interactive and enjoyable approach, students master the theory and practice of using SPSS. This demonstrates that with ongoing training programs, students' data processing and analysis skills can develop rapidly, especially in applying SPSS for research and future careers.
Implikasi Ekonomi dari Penurunan Produksi Minyak Mentah terhadap Kebutuhan Impor dan Defisit Energi (Analisis tren produksi dan ekspor-impor BBM) Darwin, Dirmansyah; Dwipatna, I Made Jyotisa Adi; Ngoyo, Muh. Fardan; Rahman, Abdul; Sumarwadji, Hafid
Journal of Economics, Bussiness and Management Issues Vol. 2 No. 4 (2025): September
Publisher : Indonesian Journal Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47134/jebmi.v2i4.875

Abstract

This study analyzes the implications of the production decline of crude oil in Indonesia on import dependency and the national energy deficit during 2018–2023. Using a descriptive quantitative approach and trend analysis of secondary data, the research shows that the decline in oil production is due to the dominance of aging oil wells, limited new exploration, and structural challenges in the upstream oil and gas sector. Meanwhile, energy consumption, particularly fuel, has increased sharply, driven by the transportation and industrial sectors. This gap has resulted in surge in the volume and value of crude oil and refined product imports, weakening national energy security. Calculations of the import dependency ratio indicate that more than 40% of fuel consumption is met through imports. This has resulted in a higher foreign exchange burden, pressure on the rupiah exchange rate, and a widening current account deficit. This research suggests considering increasing national oil lifting through Enhanced Oil Recovery (EOR), diversifying energy sources by strengthening the development of New and Renewable Energy (NRE), and reforming energy subsidies to ensure better targeting. In addition, reformulation of energy policy to reduce economic vulnerability and strengthen national energy security would be key step to respond the situation.
PENGARUH PENDIDIKAN KEWIRAUSAHAAN DAN MENTAL KEWIRAUSAHAAN TERHADAP MOTIVASI BERWIRAUSAHA PADA GENERASI MUDA Sumarwadji, Hafid; Cahyani, Lidya; Saputra, Citra Dewi; Rizani, Ahmad; Surahmi, Mila
Jurnal Review Pendidikan dan Pengajaran Vol. 7 No. 1 (2024): Volume 7 No 1 Tahun 2024
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jrpp.v7i1.25844

Abstract

Pendidikan kewirausahaan dapat mendorong perkembangan kemandirian di antara generasi muda. Mereka dapat memperoleh pemahaman bahwa mereka dapat mengambil kendali atas nasib mereka sendiri melalui usaha kewirausahaan. Perkembangan teknologi informasi dan komunikasi sangat berkontribusi pada kemajuan suatu bisnis, memberikan pelayanan yang semangat efektif dan efisien. Salah satu dampak yang paling dirasakan ialah bagaimana dengan kemajuan tersebut seharusnya dapat memberikan kesempatan bagi para pencari kerja untuk membuka seluas-luasnya lapangan pekerjaan baik untuk kebutuhan diri sendiri dan juga kebutuhan masyarakat luas lainnya. Penelitian ini bertujuan untuk mengetahui pengaruh pendidikan kewirausahaan dan mental kewirausahaan terhadap motivasi berwirausaha pada generasi muda di kelurahan Jodipan kecamatan Blimbing. Penelitian ini menggunakan metode kuantitatif, sedangkan pengumpulan data yang dilakukan dengan cara kuesioner yang dibagikan kepada 80 pelaku usaha di kelurahan Jodipan kecamatan Blimbing. Teknik analisis yang digunakan adalah analisis deskriptif dan analisis regresi berganda. Hasil penelitian ini menunjukkan bahwa secara parsial pendidikan kewirausahaan dan mental kewirausahaan berpengaruh positif dan signifikan terhadap motivasi berwirausaha pada generasi muda di kelurahan Jodipan kecamatan Blimbing. Generasi saat ini memasuki masa produktif yaitu pada tingkat usia tersebut dapat dibangun ambisi yang tinggi dengan tingkat kebebasan kemandirian dalam memutuskan sebuah pilihan untuk menggapai impian yang dinanti.
Pemberdayaan dan Peningkatan Ekonomi Keluarga Kelompok Tani Kampung Sakui-Kui dengan Menciptakan Produk Ekonomi Kreatif Berbahan Dasar Tanaman Jagung: Pengabdian Elpisah; Sumarwadji, Hafid; Andi Tonra Lipu
Jurnal Pengabdian Masyarakat dan Riset Pendidikan Vol. 4 No. 2 (2025): Jurnal Pengabdian Masyarakat dan Riset Pendidikan Volume 4 Nomor 2 (October 202
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jerkin.v4i2.3611

Abstract

This community service program aims to increase the economic value of corn in Kampung Sakui-Kui by empowering youth members of Karang Taruna as the main partners in developing creative economic products made from corn. Although the area has abundant corn production potential, its contribution to household income remains low because most harvests are sold in raw form without any added-value processing. To address this issue, the program was implemented through a series of technical trainings on corn processing, production assistance, and capacity building in business management and marketing. This initiative resulted in the creation of value-added corn-based products, particularly corn marning, which offer greater market opportunities. The outcomes show significant improvements in production skills, increased motivation and entrepreneurial awareness among Karang Taruna youth, and emerging potential for enhancing family income through diversified corn-based products. Overall, this program has the potential to serve as a sustainable model for rural creative economic empowerment through the optimization of local agricultural commodities
Institutional Drivers of Customer Loyalty in Islamic Banks: A Structural Model of Customer Loyalty from Educational Organizations in Indonesia Muh. Abdi Imam; Erwin; Dini Nurpratiwi; Ahmad Nouruzzamand; Jabaluddin Hamid; Hajar Dewantara; Mujahidin; Sumarwadji, Hafid
Falah: Jurnal Ekonomi Syariah Vol. 11 No. 1 (2026): FEBRUARY
Publisher : Universitas Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jes.v11i1.43647

Abstract

This study aims to analyze and identify factors influencing customer loyalty in Islamic banks, focusing on educational organizations in Indonesia. Customer loyalty is a crucial aspect for the sustainability of Islamic banks, especially amidst increasingly fierce competition in the banking industry. This study employed a quantitative research design, utilizing primary data collected via structured questionnaires. Quantitative approaches are well-suited for testing hypotheses and analyzing relationships between variables statistically. The questionnaires were distributed both in-person and online to Islamic bank customers from educational organizations in Indonesia over a four-week period with a final sample of 101 respondents. The data were analyzed using SEM-PLS to test the measurement and structural models. The results indicate that service quality significantly influences customer satisfaction, brand image, and loyalty. While customer satisfaction affects brand image, it does not directly influence loyalty, whereas brand image plays a key role in driving customer loyalty. Theoretically, this study contributes to the Islamic banking literature by confirming the mediating roles of brand image and customer satisfaction and offering a foundation for future research on loyalty in institutional and sharia-based financial contexts. This study provides practical insights for Islamic bank management to enhance customer loyalty through improved service quality, trust building, and consistent implementation of sharia principles.
Urbanization and Elderly Welfare: Dynamic Evidence from Indonesia Dwipatna, I Made Jyotisa Adi; Andriani, Shadry; Regina; Darwin, Dirmansyah; Sumarwadji, Hafid
Hasanuddin Economics and Business Review VOLUME 9 NUMBER 3, 2026
Publisher : Faculty of Economics and Business, Hasanuddin University, Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26487/hebr.v9i3.6710

Abstract

This study examines the relationship between urbanization and elderly welfare in Indonesia by integrating social, economic, and demographic dimensions, addressing the widely held assumption that urban development automatically enhances the well-being of older populations. Using balanced panel data from 34 Indonesian provinces for the period 2017–2022, obtained from the Indonesian Central Bureau of Statistics and the Ministry of Health, the study employs a dynamic panel model estimated through the Generalized Method of Moments (GMM) to capture short- and long-term effects while accounting for endogeneity. The results indicate that past elderly welfare conditions do not significantly influence current welfare levels. Urbanization is found to have no statistically significant effect on elderly welfare in either the short or long term. In the short term, health facility availability, poverty levels, and the proportion of elderly individuals negatively affect elderly welfare, whereas economic well-being exerts a positive influence. In the long term, economic well-being remains a key positive determinant, while the proportion of elderly individuals continues to have a negative effect. Overall, the findings demonstrate that elderly welfare in Indonesia is shaped primarily by socioeconomic factors rather than by the pace of urbanization. The study contributes original policy-relevant insights by challenging urbanization-centered development strategies and emphasizing the importance of targeted economic empowerment and inclusive social protection systems to improve elderly welfare.