The Influence of Credit Policy and Lifestyle on the Welfare of Civil Servants

Aswar Anas (Sjech M. Djamil Djambek State Islamic University, Bukittinggi, Sumatera Barat, Indonesia)
M Arif (Sjech M. Djamil Djambek State Islamic University, Bukittinggi, Sumatera Barat, Indonesia)
Darul Ilmi (Sjech M. Djamil Djambek State Islamic University, Bukittinggi, Sumatera Barat, Indonesia)
Supratman Zakir (Sjech M. Djamil Djambek State Islamic University, Bukittinggi, Sumatera Barat, Indonesia)

Studia Manageria: Jurnal Manajemen Pendidikan Islam
Vol. 6 No. 1 (2024): Studia Manageria: Jurnal Manajemen Pendidikan Islam

This research is motivated by the increasing number of civil servants who take bank credit to fulfill their lifestyle which has an impact on decreasing levels of welfare. This research aims to explain the influence of credit and lifestyle policies on the welfare of civil servants, both partially and simultaneously. A quantitative approach with a correlational research type was applied in this research. The research population consisted of civil servants from Madrasah Tsanawiyah Negeri in West Pasaman Regency who took out credit at the bank. The total sample was 70 people, obtained from the results of using total sampling. The instrument used was a questionnaire and processed using correlational data analysis techniques. The research results show that partially the credit policy variable (X1) has a positive and significant effect on welfare, and the lifestyle variable (X2) has a negative and significant effect on welfare. Simultaneously credit policy and lifestyle have a positive and significant effect on welfare.