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

Article Sidebar

pdf
Published: Jun 22, 2024
DOI: https://doi.org/10.19109/hv71te11
Keywords:
bank credit, civil servant welfare, lifestyle

Main Article Content

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

Abstract

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.

Article Details

How to Cite
Anas, A., Arif, M., Ilmi, D., & Zakir, S. (2024). The Influence of Credit Policy and Lifestyle on the Welfare of Civil Servants. Studia Manageria, 6(1), 15-26. https://doi.org/10.19109/hv71te11
Issue
Vol. 6 No. 1 (2024): Studia Manageria: Jurnal Manajemen Pendidikan Islam
Section
Articles
Creative Commons License

This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

Creative Commons License
Studia Manageria by http://jurnal.radenfatah.ac.id/index.php/studiamanageria is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

How to Cite

Anas, A., Arif, M., Ilmi, D., & Zakir, S. (2024). The Influence of Credit Policy and Lifestyle on the Welfare of Civil Servants. Studia Manageria, 6(1), 15-26. https://doi.org/10.19109/hv71te11

References

Abdillah, S. (2006). Hidup Sehat ala Punk-Hardcore. Dar Mizan.

Achour, M., Boerhannoeddin, A. B., & Khan, A. (2011). Religiosity as a moderator of work-family demands and employees’ well-being. African Journal of Business Management, 5(12), 4955–4960. https://doi.org/10.5897/AJBM11.082

Agustriyani, A. (2022). Pengaruh Tingkat Pendapatan, Gaya Hidup dan Jumlah Anggota Keluarga Terhadap Tingkat Kesejahteraan Keluarga di Masa Pandemi Covid-19 Dalam Perspektif Ekonomi Islam (Studi Pada Masyarakat Kampung Jati Anom Kel. Srengsem, Kec. Panjang. UIN Raden Intan Lampung.

Argo, M. S., Tasik, F., & Goni, S. Y. V. (2021). Peningkatan Pendapatan Kesejahteraan Keluarga di Masa Pandemi Covid-19 (Studi Kasus Pada Penjual Makanan Di Kawasan Boulevard II Kelurahan Sindulang Dua Kecamatan Tuminting Kota Manado. Jurnal Ilmiah Society, 1(1), 1–10.

Arikunto, S. (2013). Prosedur Penelitian Suatu Pendekatan Praktik. PT Rineka Cipta.

Asyari. (2016). Model Strategi Bertahan Hidup Rumah Tangga Miskin (Sebuah Literature Review. Islam Relitas: Journal of Islamic & Social Studies, 2(2).

Cahyani, L. N. (2019). Perilaku Etika Konsumsi Pada Pegawai Negeri Sipil (PNS) Kementerian Agama Kota Parepare (Implementasi Konsep Yusuf al-Qardhawi. IAIN Pare-Pare.

Dahyani, A. (2019). Analisis Kebijakan Kredit Pada Cv. Prima Perkasa Cabang Tegal. Politeknik Harapan Bersama.

Fadhli, K., & Fahimah, D. A. N. (2021). Pengaruh Pendapatan, Pendidikan, dan Gaya Hidup Terhadap Kesejahteraan Keluarga Penerima Manfaat (KPM) Bantuan Sosial Covid-19. Jurnal Education and Development, 9(3), 118–124. https://doi.org/10.37081/ed.v9i3

Habibah. (2014). Dampak Tunjangan Sertifikasi Terhadap Gaya Hidup Konsumtif Guru (Studi Kasus: Yayasan Sa’adatuddarain, Mampang – Jakarta Selatan. UIN Syarif Hidayatullah Jakarta.

Hariyanti, D. (2017). Manajemen Utang, Agar Tidak Lebih Besar Pasak daripada Tiang. https://finansial.bisnis.com/read/20171003/90/695326/manajemen-utang-agar-tidak-lebih-besar-pasak-daripada-tiang

Hasan, A. (2009). Marketing. MedPress (Anggota IKAPI.

Imron, A. (2012). Strategi dan Usaha Peningkatan Kesejahteraan Hidup Nelayan Tanggulsari Mangunharjo Tugu Semarang dalam Menghadapi Perubahan Iklim. Riptek, 6(1), 27–37.

Moenek, R. (2013). Pimpinan Boleh Batasi Pengajuan Kredit oleh PNS. Menpan.Go.Id. https://www.menpan.go.id/site/liputan-media/bidang-pan/pimpinan-boleh-batasi-pengajuan-kredit-oleh-pns

Oriza, D. W. (2014). Pengaruh Pengambilan Kredit Terhadap Motivasi Kerja Pegawai di Rumah Sakit Umum Daerah Cut Nyak Dhien Meulaboh Kabupaten Aceh Barat. Universitas Teuku Umar.

Rostiana, E., & Djullius, H. (2018). Perencanaan dan Pengelolaan Keuangan Dalam Mewujudkan Keluarga Sejahtera. Diandra Kreatif.

Sugiyono. (2019). Metode Penelitian Kuantitatif, Kualitatif dan R&D. Alphabeta.

Suharto, E. (2007). Paradigma Ilmu Kesejahteraan Sosial. http://www.policy.hu/suharto/Naskah

Susantri, A. (2019). Pengaruh Pendapatan, Gaya Hidup, Kesehatan dan Religiusitas Terhadap Kesejahteraan Ekonomi Karyawan Perempuan di Industri Halal Fashion. Studi Kasus Margaria Group Yogyakarta). Universitas Muhammadiyah Yogyakarta.

Tobari. (2018). Kredit PNS Pemprov Gorontalo Dibatasi 50 Persen Gaji. Infopublik.Id. https://infopublik.id/read/255587/kredit-pns-pemprov-gorontalo-dibatasi-50-persen-gaji.html

Wahab, S. A. (2012). Analisis Kebijakan: Dari Formulasi ke Penyusunan Model-Model Implementasi Kebijakan Publik. PT. Bumi Aksara.

Yanti, Y. D., & Awaluddin. (2022). Analisis Pengaruh Simpan Pinjam Khusus Perempuan (SPP) dalam Mengurangi Tingkat Kemiskinan. JOVISHE: Journal of Visionary Sharia Economy, 1(1), 51–60.