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All Journal Mutlaqah: Jurnal Kajian Ekonomi Syariah Taushiah: Jurnal Hukum, Pendidikan dan Kemasyarakatan
Aklima Mardiana
Universitas Islam Negeri Ar-Raniry Banda Aceh
Religion Education Law, Crime, Criminology & Criminal Justice Social Sciences

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The Impact of Islamic Bank Financing on Sectoral Growth in Aceh Province Aklima Mardiana; Bismi Khalidin; Khairul Amri
Taushiah: Jurnal Hukum, Pendidikan dan Kemasyarakatan Vol 16, No 1 (2026): Taushiah: Jurnal Hukum, Pendidikan dan Kemasyarakatan
Publisher : Fakultas Agama Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30743/taushiah.v16i1.13779

Abstract

This study aims to examine the impact of Islamic bank financing on the growth of three key economic sectors in Aceh Province, namely agriculture, forestry, and fisheries; wholesale and retail trade; and manufacturing. These sectors play a strategic role in regional economic development, particularly following the implementation of the Islamic Financial Institutions (LKS) Qanun in 2018. Despite the continuous growth of Islamic financing, questions remain regarding its effectiveness in stimulating sectoral economic growth. This study employs a quantitative approach using quarterly time-series data obtained from the Financial Services Authority and Statistics Indonesia for the period 2016–2023. The Autoregressive Distributed Lag (ARDL) model is applied to analyze both short-run and long-run relationships between Islamic financing and sectoral growth. The findings reveal that Islamic financing has a positive and significant long-run effect on the wholesale and retail trade sector. In contrast, no significant impact is found on the agriculture, forestry, and fisheries sector or the manufacturing sector. These results suggest that the effectiveness of Islamic financing varies across sectors. Therefore, more targeted and sector-specific financing strategies are required to enhance the contribution of Islamic banking to sustainable and inclusive economic growth in Aceh Province.
The Impact of Islamic Bank Financing on Sectoral Growth in Aceh Province Aklima Mardiana; Bismi Khalidin; Khairul Amri
Taushiah: Jurnal Hukum, Pendidikan dan Kemasyarakatan Vol 16, No 1 (2026): Taushiah: Jurnal Hukum, Pendidikan dan Kemasyarakatan
Publisher : Fakultas Agama Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30743/taushiah.v16i1.13779

Abstract

This study aims to examine the impact of Islamic bank financing on the growth of three key economic sectors in Aceh Province, namely agriculture, forestry, and fisheries; wholesale and retail trade; and manufacturing. These sectors play a strategic role in regional economic development, particularly following the implementation of the Islamic Financial Institutions (LKS) Qanun in 2018. Despite the continuous growth of Islamic financing, questions remain regarding its effectiveness in stimulating sectoral economic growth. This study employs a quantitative approach using quarterly time-series data obtained from the Financial Services Authority and Statistics Indonesia for the period 2016–2023. The Autoregressive Distributed Lag (ARDL) model is applied to analyze both short-run and long-run relationships between Islamic financing and sectoral growth. The findings reveal that Islamic financing has a positive and significant long-run effect on the wholesale and retail trade sector. In contrast, no significant impact is found on the agriculture, forestry, and fisheries sector or the manufacturing sector. These results suggest that the effectiveness of Islamic financing varies across sectors. Therefore, more targeted and sector-specific financing strategies are required to enhance the contribution of Islamic banking to sustainable and inclusive economic growth in Aceh Province.
MODERASI PADA PENGGUNAAN MAQASYID SYARIAH DALAM PENGEMBANGAN SISTEM EKONOMI ISLAM MENURUT ASY - SYATHIBI Aklima Mardiana; Muhammad Maulana
MUTLAQAH: Jurnal Kajian Ekonomi Syariah Vol 6, No 1 (2025): Edisi Juli
Publisher : Universitas Islam Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30743/mutlaqah.v6i1.11888

Abstract

Penelitian ini membahas pentingnya moderasi dalam penerapan Maqasid Syariah untuk pengembangan sistem ekonomi Islam, khususnya dari perspektif Asy-Syathibi. Maqasid Syariah yang terdiri atas lima tujuan utama yaitu perlindungan agama, jiwa, akal, keturunan, dan harta. Diintegrasikan ke dalam sistem ekonomi Islam guna mewujudkan keadilan sosial dan kesejahteraan masyarakat. Asy-Syathibi menekankan pentingnya pendekatan moderat yang menjembatani prinsip-prinsip syariah dengan kebutuhan ekonomi modern tanpa menghilangkan esensi dari Maqasid Syariah. Penelitian ini menggunakan metode kualitatif dengan pendekatan studi pustaka, dengan menganalisis sumber-sumber yang berkaitan dengan konsep moderasi dalam Maqasid Syariah. Temuan penelitian menunjukkan bahwa moderasi dalam penerapan Maqasid Syariah dapat mendukung inovasi ekonomi Islam yang adaptif dan berkelanjutan serta memberikan solusi atas tantangan globalisasi dan perkembangan teknologi keuangan. Melalui pendekatan yang moderat (seimbang), sistem ekonomi Islam dapat menjadi lebih relevan dan berkontribusi terhadap kesejahteraan masyarakat secara lebih luas.
Co-Authors Bismi Khalidin Khairul Amri Muhammad Maulana