COMPARISON OF VILLAGE DEVELOPMENT BEFORE AND AFTER VILLAGE FUND IMPLEMENTATION IN NAGAN RAYA DISTRICT

This study aims to analyze and see the effectiveness of the distribution of the use of village funds in Kuala Subdistrict, Nagan Raya Regency and its relationship with poverty levels. The data used is in the form of time series data from 2015 to 2018 which is collected through primary and secondary data. Primary data were obtained by directly visiting villages in the Kuala sub-district. Meanwhile, secondary data were obtained from the website of the Central Statistics Agency (BPS), document review, articles related to the object of research. This study conducted observations of 10 villages as a sample of 17 villages in Kuala District. The analysis method uses panel data regression with the random effect model (REM) analysis method. From the regression results of the random effect model, it was found that the village fund variable had a positive and significant effect on poverty with a probability of 0.0000 = p-value α = 5%. Then the village fund allocation variable has a significant negative effect on poverty with a probability of 0.0000 = p-value α = 5%. This means that adding 1% of village funds or increasing village funds will reduce poverty in Kuala Subdistrict, Nagan Raya Regency

Determinants of Financial Literacy on Micro Waqf Banks in Aceh

In comparison to the conventional financial literacy index, the Islamic financial literacy index in Aceh remains relatively low at 18.64%. The presence of micro Waqf banks in Aceh is intended to be beneficial to both urban and rural communities. This study investigates the factors that influence the public's preference for Micro-Wakaf Bank in Aceh. To collect data, a questionnaire was administered to 100 respondents throughout Aceh. This study utilizes the variables literacy index, preference, religiosity, and business motivation. To investigate these variables, a quantitative approach with multiple regression analysis techniques is employed. The results indicate that preference, religiosity, and business motivation have positive and statistically significant effects on Islamic financial literacy. Despite 52 percent Islamic financial literacy for micro waqf banks and the role of micro-waqf banks in expanding micro-scale businesses, the public preference for micro waqf banks remains low compared to Islamic banks. Because the practical implications of this research will have an impact on micro-waqf banks, as literacy numbers increased, the public will be more likely to choose micro-waqf banks for their business ventures.==================================================================================================== ABSTRAK – Determinan Literasi Keuangan terhadap Bank Wakaf Mikro di Aceh. Indeks literasi keuangan Syariah di aceh masih tergolong rendah sekitar 18,64% dibandingkan dengan indeks literasi keuangan konvensional. Hadirnya bank wakaf mikro di Aceh berupaya untuk meningkatkan kesejahteraan masyarakat urban dan pedesaan. Tujuan penelitian ini untuk menganalisis faktor-faktor yang mempengaruhi minat masyarakat Aceh dalam memanfaatkan bank wakaf mikro terhadap pemodalan usaha. Penelitian ini mengunakan metode kuantitatif dengan teknik analisis regresi berganda. Data penelitian dikumpulkan melalui kuesioner terhadap 100 responden yang tersebar di seluruh Aceh. Variabel yang digunakan dalam penelitian ini ialah indeks literasi, preferensi, religiusitas dan motivasi usaha. Metode analisis data menggunakan analisis regresi linear berganda. Hasil penelitian ini menunjukkan bahwa variabel preferensi berpegaruh positif dan signifikan terhadap indeks literasi keuangan syariah. Preferensi public terhadap bank wakaf mikro masih rendah dibandingkan dengan bank syariah, namun literasi keuangan syariah terhadap bank wakaf mikro sebesar 52% dan membantu peningkatan bisnis berskala mikro di dalam masyarakat. Oleh karenanya, hasil kajian ini berimplikasi bagi bank wakaf mikro dalam kepercayaan publik, dimana semakin tinggi tingkat literasi, semakin besar minat publik dalam memilih lembaga bank wakaf mikro dalam pemodalan usaha mereka

Effects of Capital and Type of Business on Coastal Muslim Women's Business Income in Aceh Province

This study aims to analyze the influence of capital variables and type of business on the income of Muslim women living in coastal areas in Aceh Province. The population in this study is Coastal Women who do business in Aceh Province by selecting samples using a purposive sampling technique with the criteria that women who do business have a fishing husband, living on the coast in the districts of Nagan Raya, Lhokseumawe and Aceh Besar. Primary data were obtained from interviews and questionnaires with coastal women as many as 90 coastal women doing business. Whereas secondary data was obtained from the Central Statistics Agency (BPS), District Community Empowerment Agency (BPM) and the internet. The analysis first uses the validity and reliability test and then the hypothesis is tested using multiple regression tests to find out whether an independent variable influences the motivation of coastal women with a significance level of 5% which aims to see how the overall relationship between capital and type of business affects women's business income Muslims in Aceh Province. The results show the simultaneous influence of both Capital Variables (X1) and Type of business (X2) significantly influencing Muslim women's Business Income. Based on the regression coefficient of the Capital Variable (X1) and Business Type (X2) partially there is a positive and significant effect on the Coastal Muslim Women's Business Income in Aceh Province.  DOI: https://doi.org/10.5281/zenodo.367238

Efektivitas Pemanfaatan Dana Desa dalam Mengentaskan Kemiskinan di Kec Kuala Kabupaten Nagan Raya

Penelitian ini bertujuan menganalisa dan melihat efektifitas distribusi pemanfaatan dana desa di Kecamatan Kuala Kabupaten Nagan Raya dan hubungannya dengan tingkat kemiskinan. Data yang digunakan berupa data time series dari tahun 2015 hingga tahun 2018 yang dikumpulkan melalui data primer dan sekunder. Data primer diperoleh dengan mendatangi langsung ke desa-desa di kecamatan kuala. Sementara data sekunder diperoleh dari website Badan Pusat Statistik (BPS), telaah dokumen, artikel yang berhubungan dengan objek penelitian. Penelitian ini melakukan observasi terhadap 10 desa sebagai sample dari 17 desa di Kecamatan Kuala. Metode analisa mengunakan regresi data panel dengan metode analisa random effect model (REM). Dari hasil regresi model random effect ditemukan bahwa variabel dana desa berpengaruh positif dan signifikan terhadap kemisikinan dengan Probabilitas sebesar 0,0000 = p-value α = 5%. Kemudian variabel alokasi dana desa berpengaruh negatif signifikan terhadap kemiskinan dengan Probabilitas sebesar 0,0000 = p-value α = 5%. Artinya dengan menambahkan 1% dana desa atau meningkatkan dana desa akan mengurangi kemiskinan di Kecamatan Kuala Kabupaten Nagan Raya. (This research is aimed at analyzing and seeing the effectiveness of village fund utilizing distribution in Kuala sub-district, Nagan Raya regency and also its relations with the poverty level. The data used the time series data from 2015 to 2018 collected through primary and secondary data. Primary data is taken from directly getting the data from the villages in Kuala sub-district, while secondary one is taken from Central Bureau of Statistics, document and articles analysis related to the research object. This research did observation on 10 out of 17 villages as sample in Kuala sub-district. The analysis used panel data regression with random analysis model (REM). From the effect random model regression result, fit is found that the village fund variable has given a positive and significant effect on the poverty for 0,0000 = p-value α = 5%. The village fund allocation variable affects negatively on the poverty with probability 0,0000 = p-value α = 5%. It means that by adding 1% village fund or adding the village fund can make the poverty in Kuala sub-district Nagan Raya regency decreased.

The Effect Of Needs For Performance, Affiliation, And Domination On The Motivation Of Coastal Women Business In Aceh Province

This study aims to analyze the effect of Variables of Performance, Affiliation, and Domination on the motivation of women living in coastal areas doing business in Aceh Province. The population in this study are Coastal Women who do business in Aceh Province by selecting samples using a purposive sampling technique with the criteria Women who do business have fishermen husbands, live on the coast in Aceh Province. The hypothesis is tested using multiple regression tests to determine whether an independent variable influences the motivation of coastal women to see how the overall relationship between Performance, Affiliation, and Domination affects women's motivation to do business in Aceh Province. The results show simultaneously that the effects of the three Performance Variables (X1), Affiliation (X2) and Domination (X3) significantly influence Women's Work Motivation. Based on the regression coefficients Variable Performance (X1), Affiliation (X2) and Domination (X3) partially there is a positive and significant influence on the Motivation of Women's Business Work in Aceh Province

Analisis Literasi Keuangan pada Mahasiswa STAIN Teungku Dirundeng Meulaboh

This study aims to determine the financial literacy of STAIN Teungku Dirundeng Meulaboh students and the factors that affect financial literacy of STAIN Teungku Dirundeng Meulaboh students. This study uses a descriptive qualitative method. The number of respondents in this study is 150 students from 3 majors (Sharia and Islamic Economics, Tarbiyah and Teacher Training, and Da'wah and Islamic communication). The results of the study found that the financial literacy of students at STAIN Teungku Dirundeng Meulaboh is quite good, money statements and transactions shows the result of 90.5% (very good), financial planning and management found a rate of 70% (quite good), risks and benefits is 96.63% (very good), financial landscape is 49.65% (good), the knowledge of finance is 60% (good enough), and savings and loans 63.3% (good enough). In addition, there are four factors namely the gender factor, the parent's income factor, the age factor, and the parent's education level factor that affect the financial literacy of students at STAIN Teungku Dirundeng Meulaboh

ANALISA VARIABEL POTENSI LOKAL, MODAL FINANSIAL, SUMBERDAYA MANUSIA, DAN PARTISIPASI MASYARAKAT TERHADAP PEMBENTUKAN BUMDES DI KABUPATEN NAGAN RAYA

It is important and urgent to conduct a scientific study on the establishment of Village-Owned Enterprises (BUMDes) through the local potential to realize independent villages, by analyzing local potential variables, financial capital, human resources, and community participation in the establishment of Bumdes in Nagan Raya District. The population of this study was all villages that have Bumdes in Nagan Raya district. The sampling technique used was purposive sampling. The study sample was 10 BUMDes that have run in Nagan Raya district. Primary data were obtained by interviews and questionnaires to BUMDes administrators and communities in the local area. Secondary data was obtained from the Central Bureau of Statistics (BPS), Regency Community Empowerment Agency (BPM), and the internet. Regression analysis was performed to determine whether an independent variable has an effect on the dependent variable by using the regression model estimation by entering a dummy variable, the joint hypothesis test model. Significance test was carried out using the normality test method through the Jarque-Bera (JB) statistical test through histogram screening, with a significance level of 5% indicating that the statistical value was 163,393 while the square chi value α = 5% and (df = n-2 = 130-2 = 128, α = 5%). Therefore the Ho assumption is accepted which means the norm is distributed data. The regression results using qualitative variables can be seen, showing different results and in accordance with the hypothesis that was built. The regression results by entering the dummy variable show a positive and significant effect at α = 5%, towards the formation of BUMDes in Nagan Raya District. Only human power variables do not affect the formation of BUMDes with an error term value of α = 5%