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All Journal EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS)
Asriani Asriani
Universitas Islam Negeri Raden Intan Lampung, Bandar Lampung
Economics, Econometrics & Finance

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Pengaruh Financial Technology Syariah, Kinerja UMKM dan Penyerapan Tenaga Kerja Terhadap Pertumbuhan Ekonomi di Indonesia Dalam Perspektif Ekonomi Islam Risda Juniandriani; Asriani Asriani; Agus Kurniawan
Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS) Vol 8 No 1 (2026): August 2026
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/ekuitas.v8i1.10307

Abstract

This study aims to examine the influence of Sharia Financial Technology (Fintech), the performance of Micro, Small, and Medium Enterprises (MSMEs), and the absorption of labor energy on economic growth in Indonesia for the period 2017-2025 from an Islamic economic perspective. This study uses a quantitative approach with secondary data analyzed using multiple linear regression. The test results show that the research model has an Adjusted R² value of 0.607212 (60.72%) with a Prob (F-statistic) of 0.055213. Partially, Sharia Fintech (coefficient = 0.000159, p-value = 0.3177) and MSME performance (coefficient = -0.203604, p-value = 0.5513) are proven to be insignificant and have not had a significant impact on national economic growth. From a sharia economic perspective, this is caused by low public literacy and the dominance of micro-enterprises that still focus on fulfilling basic needs (dharuriyyat) only. On the other hand, labor energy absorption (coefficient = 0.035054; p-value = 0.0155) was proven to have a positive and significant effect in driving Gross Domestic Product (GDP) by increasing people's purchasing power. This finding is in line with the principle of balance (tawazun) and fair distribution of wealth, where job creation is an important instrument in line with efforts to transfer falah (welfare in this world and the hereafter). This study provides a theoretical contribution by integrating quantitative macroeconomic data analysis into an Islamic economic evaluation framework. The contribution of this research is providing an empirical update on the post-pandemic macroeconomic transition (2017-2025) as well as establishing a policy evaluation framework based on maqashid sharia, which proves the urgency of structural transformation of MSMEs and Sharia Fintech from the dharuriyyat level (fulfilling basic needs) towards the creation of industrial-scale value added.
Pengaruh Konsumsi Energi dan Jumlah Industri Besar Terhadap Aglomerasi Industri dalam Perspektif Ekonomi Islam Rani Wulandari; Asriani Asriani; Ghina Ulfa Saefurrohman
Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS) Vol 8 No 1 (2026): August 2026
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/ekuitas.v8i1.10955

Abstract

Industrial agglomeration plays an important role in improving production efficiency, regional economic growth, and the development of industrial centers. This study aims to analyze the effects of energy consumption and the number of Large and Medium Industries (LMI) on industrial agglomeration in the Southern Sumatra (Sumbagsel) region during the 2020–2025 period from an Islamic economic perspective. This study employs a quantitative approach using panel data covering five provinces, namely Jambi, Bengkulu, Lampung, South Sumatra, and the Bangka Belitung Islands, with a total of 30 observations. The analysis was conducted using panel data regression with the assistance of EViews 10, and the Random Effect Model (REM) was selected as the best model based on the Chow Test, Hausman Test, and Lagrange Multiplier Test. The results show that energy consumption has a positive but insignificant effect on industrial agglomeration, with a coefficient of 0.010772, t-statistic of 0.271195, and p-value of 0.7883. Meanwhile, the number of LMIs has a negative and significant effect on industrial agglomeration, with a coefficient of -0.074059, t-statistic of -2.441010, and p-value of 0.0215. Simultaneously, energy consumption and the number of LMIs have a significant effect on industrial agglomeration, as indicated by an F-statistic of 5.390787 and a p-value of 0.010718. From an Islamic economic perspective, the development of industrial agglomeration should be based on the principles of 'adl (justice), maslahah (public benefit), tawazun (balance), and amanah (trustworthiness) in resource management so that industrial development can take place efficiently, equitably, and sustainably.
Co-Authors Agus Kurniawan Ghina Ulfa Saefurrohman Rani Wulandari Risda Juniandriani