Article Per Year (5 Year)
p-Index From 2021 - 2026
11.856
P-Index
This Author published in this journals
All Journal Jurnal Inovasi Teknologi Pendidikan JSW (Jurnal Sosiologi Walisongo) Jurnal Mirai Management Jurnal Ilmiah Peuradeun DWIJA CENDEKIA: Jurnal Riset Pedagogik Wahana Islamika: Jurnal Studi Keislaman SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan Al-Mashrafiyah : Jurnal Ekonomi, Keuangan, dan Perbankan Syariah Distribusi Shirkah: Journal of Economics and Business Ihtifaz: Journal of Islamic Economics, Finance, and Banking Logista: Jurnal Ilmiah Pengabdian Kepada Masyarakat YUME : Journal of Management Abdimas Umtas : Jurnal Pengabdian kepada Masyarakat International Journal of Islamic Business and Economics (IJIBEC) ECOPLAN : JOURNAL OF ECONOMICS AND DEVELOPMENT STUDIES Jurnal Pemberdayaan Masyarakat Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Abdimas Galuh: Jurnal Pengabdian Kepada Masyarakat Community Development Journal: Jurnal Pengabdian Masyarakat BERNAS: Jurnal Pengabdian Kepada Masyarakat Shar-E: Jurnal Kajian Ekonomi Hukum Syariah Neraca Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora Journal of Sharia Economics ARBITRASE: JOURNAL OF ECONOMICS AND ACCOUNTING PROFICIO: Jurnal Pengabdian Masyarakat Oikonomika: Jurnal Kajian Ekonomi dan Keuangan Syariah Khidmatan Jurnal Akutansi Manajemen Ekonomi Kewirausahaan (JAMEK) As-Sidanah : Jurnal Pengabdian Masyarakat Share: Jurnal Ekonomi dan Keuangan Islam Cakrawala: Jurnal Studi Islam Journal of Trends Economics and Accounting Research Nusantara Islamic Economic Journal Jurnal Cakrawala Pendas Jurnal Bisnis dan Kewirausahaan CONSEN: Indonesian Journal of Community Services and Engagement Mutanaqishah: Journal of Islamic Banking Jurnal Pepadu International Journal of Management and Business Economics Innovative: Journal Of Social Science Research Kartika: Jurnal Studi Keislaman AL-SULTHANIYAH Komunita: Jurnal Pengabdian dan Pemberdayaan Masyarakat Wahana Islamika: Jurnal Studi Keislaman Majapahit Journal of Islamic Finance dan Management Sharia Economic and Management Business Journal (SEMBJ) El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Iqtishadia: Jurnal Ekonomi dan Perbankan Syariah Al-Ahkam: Jurnal Ilmu Syari'ah dan Hukum JPS (Jurnal Perbankan Syariah) Jurnal Ekonomi, Manajemen, Akuntansi Bale Pengabdian: Journal Of Community Service (BPJCS) Khidmatan Wahana Islamika; Jurnal Studi Keislaman Jurnal Administrasi dan Kesekretarisan
Purwanto
Institut Agama Islam Syubbanul Wathon Magelang
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Dentistry Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Medicine & Pharmacology Neuroscience Nursing Physics Public Health Social Sciences Veterinary Other

Published : 91 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 91 Documents
Search

 6   7   8   9   10 
Peranan Pembiayaan yang Disalurkan Perbankan Syariah Terhadap Produk Domestik Regional Bruto Sektor Industri dan Jasa di Pulau Jawa Tahun 2015-2023 Robbi, Imam Arsya Shofa; Purwanto, Purwanto; Pudail, M.
OIKONOMIKA : Jurnal Kajian Ekonomi dan Keuangan Syariah Vol. 6 No. 1 (2025): OIKONOMIKA: Jurnal Kajian Ekonomi dan Keuangan Syariah
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, IAIN Fattahul Muluk Papua

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53491/oikonomika.v6i1.1670

Abstract

The Islamic banking system in Indonesia aims to support national progress by promoting justice and public welfare. One way to achieve this is by channeling financing as a source of additional capital. The availability of financing from Islamic banks can positively impact production and increase income. A region's income is often reflected in its Gross Regional Domestic Product (GRDP). This study examines the significant influence of financing from Islamic Commercial Banks (BUS) and Islamic Business Units (UUS) on the industrial and service sectors across Java Island from 2015 to 2023. This study applies a quantitative method, utilizing secondary annual data obtained online from the OJK and BPS websites. The collected data were analyzed using the panel data regression method, as the dataset combines time series and cross-sectional data. The results indicate that financing channeled by BUS and UUS in Java significantly affects the GRDP of the industrial and service sectors by 58%.
PENDAMPINGAN PEMBUATAN BRANDING DAN LABEL PRODUK LOKAL DUSUN KEMPUL UNTUK MENINGKATKAN DAYA SAING Musarofah, Unun; Purwanto
khidmatan Vol 5 No 2 (2025): Khidmatan
Publisher : Institut Agama Islam Syubbanul Wathon Magelang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61136/55h6e289

Abstract

Brand identity gaps are a crucial obstacle for rural MSMEs in achieving competitiveness in a competitive market. This community service aims to assist three MSMEs in Kempul Hamlet (Arsaka Food, Kemplang Mbok Ru, and Geblek Mak Yah) in formulating visual identities through the creation of standardized logo designs and product labels. The method used is Participatory Action Research (PAR) through cycles of inquiry, action, reflection, and evaluation. The novelty of this service lies in combining visual aesthetics with food regulation compliance, where the resulting labels include mandatory elements such as product name, ingredients, expiration date, and production codes. The results show that the three partners successfully obtained representative brand identities and informative packaging labels. Through the inquiry and reflection process, the designs reflect the local philosophy of the entrepreneurs, fostering a strong sense of ownership. This output is proven to enhance the product's professional image and expand the market reach potential for partners beyond the Kempul Hamlet area.
Peningkatan kemampuan dalam membuat media promosi melalui pelatihan edit foto produk menggunakan aplikasi photoroom Tri Mulyani; Purwanto Purwanto; Yeny Fitriyani
SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan Vol 8, No 1 (2024): March
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jpmb.v8i1.22275

Abstract

Abstrak Penggunaan alat-alat pengeditan foto, seperti aplikasi Photoroom, telah menjadi langkah penting dalam memastikan bahwa setiap gambar yang digunakan dalam pemasaran online memiliki kualitas yang memadai. Kendati Photoroom dapat digunakan untuk visualisasi produk yang menarik, akan tetapi banyak individu dan pelaku usaha belum banyak yang mengetahuinya. Tujuan dari pengabdian ini adalah untuk meningkatkan kemampuan para mitra dalam melakukan edit foto produk sebagai media promosi dengan menggunakan aplikasi Photoroom. Kegiatan pengabdian ini dilaksanakan kurang lebih 45 hari yaitu dimulai dari 20 Juli sampai dengan 30 September 2023 di Desa Adipuro, Kecamatan Kaliangkrik Kabupaten Magelang. Mitra yang terlibat dalam kegiatan ini sebanyak 15 remaja di Desa Adipuro yang memiliki orang tua sebagai pemilik usaha kecil. Kegitan pengabdian dilaksanakan melalui tiga tahapan yaitu tahap perencanaan, pelaksanaan, dan evaluasi. Pengabdian ini telah memberikan dampak signifikan terhadap peningkatan kemampuan para peserta dalam melakukan edit foto produk sebagai media promosi dengan menggunakan aplikasi Photoroom. Sebelum dilaksanakannya pengabdian, data awal menunjukkan bahwa hanya 66,7% peserta yang memiliki kemampuan sangat baik dalam menggunakan smartphone. Namun, setelah pelaksanaan pengabdian, terjadi peningkatan yang mencolok, di mana 93,3% peserta menunjukkan kemampuan yang sangat baik dalam memanfaatkan smartphone untuk keperluan editing foto. Tingginya persentase peserta yang meningkatkan kemampuan dalam menggunakan smartphone dapat dianggap sebagai indikator keberhasilan pengabdian. Kata kunci: pengabdian kepada masyarakat; pelatihan; photoroom. Abstract Photo editing tools, such as the Photoroom application, have become essential in ensuring that every image used in online marketing is of sufficient quality. Even though Photoroom can be used to visualize attractive products, many individuals and business people need to learn about it. This service aims to improve partners' abilities in editing product photos as promotional media using the Photoroom application. This service activity will be carried out for approximately 45 days, from July 20 to September 30, 2023, in Adipuro Village, Kaliangkrik District, Magelang Regency. The partners involved in this activity were 15 teenagers in Adipuro Village whose parents were small business owners. Service activities are carried out through three stages: planning, implementation, and evaluation. This service has had a significant impact on increasing the participants' ability to edit product photos as promotional media using the Photoroom application. Before the service, initial data showed that only 66.7% of participants had excellent smartphone use abilities. However, after carrying out the service, there was a striking increase, where 93.3% of participants showed excellent skills in using smartphones for photo editing purposes. The high percentage of participants who improve their smartphone use indicates the success of their service. Keywords: community service; training; photoroom
Implementasi Gaya Kepemimpinan Situasional Kepala Korwil Disdikbud Kecamatan Borobudur Kabupaten Magelang dalam Meningkatkan Efektifitas Kepemimpinan Achmad Burhani Fahrul Fuadi; Purwanto -; Laili Syarifah; Muhammad Amin; Maryono -
Jurnal Administrasi dan Kesekretarisan Vol 9 No 1: Maret 2024
Publisher : Universitas Tarakanita

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36914/kzfefj97

Abstract

Kepala Koordinator Wilayah (Korwil) Dinas Pendidikan dan Kebudayaan (Disdikbud) Kecamatan Borobudur telah berhasil menerapkan gaya kepemimpinan situasional dengan efektif. Implementasi ini terlihat dari kemampuan fleksibilitas pemimpin dalam menyesuaikan gaya kepemimpinannya dengan berbagai situasi dan kondisi tertentu. Penerapan gaya kepemimpinan situasional oleh Kepala Korwil Disdikbud Kecamatan Borobudur menjadi relevan karena seringnya dihadapkan pada dinamika dan keunikan lokal dalam manajemen pendidikan. Gaya kepemimpinan ini memungkinkan pemimpin untuk menyesuaikan pendekatannya sesuai dengan kebutuhan spesifik di setiap wilayah kecamatan. Penelitian ini bertujuan untuk mengeksplorasi implementasi gaya kepemimpinan situasional oleh Kepala Korwil Disdikbud dalam meningkatkan efektivitas kepemimpinan. Dengan menggunakan metode deskriptif kualitatif, penelitian ini memfokuskan pada implementasi gaya kepemimpinan situasional oleh Kepala Korwil Disdikbud Kecamatan Borobudur. Hasilnya menunjukkan bahwa Kepala Korwil berhasil menerapkan keempat gaya kepemimpinan situasional (telling, selling, participating, delegating) dengan baik. Ini mencakup memberikan perintah jelas, memberikan tugas bertahap, melibatkan bawahan dalam kegiatan dan pengambilan keputusan, serta memberikan tanggung jawab penuh kepada bawahan sambil memantau perkembangan pekerjaan. Implementasi gaya kepemimpinan situasional ini memungkinkan adaptasi yang efektif terhadap kematangan bawahan dan kebutuhan situasional yang berbeda, menciptakan lingkungan kerja yang dinamis, responsif, dan produktif.
Revitalisasi Takmir Masjid Melalui Peningkatan Kapasitas Manajemen Organisasi di Kalurahan Kaliagung, Kecamatan Sentolo Makmun, Muhammad Adib; Purwanto, Purwanto; Amin, Muhammad
BERNAS: Jurnal Pengabdian Kepada Masyarakat Vol. 7 No. 2 (2026)
Publisher : Universitas Majalengka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31949/jb.v7i2.15920

Abstract

Kegiatan pengabdian ini dilatarbelakangi oleh kondisi vakumnya organisasi takmir masjid di Kalurahan Kaliagung, Sentolo, Kulon Progo, yang menghambat peran masjid sebagai pusat kegiatan sosial dan dakwah. Pengabdian ini dilakukan dengan tujuan untuk merevitalisasi fungsi masjid dan meningkatkan kapasitas manajerial pengurus takmir agar mampu mengelola organisasi secara mandiri. Metode yang digunakan adalah Participatory Action Research (PAR) yang melibatkan kolaborasi aktif antara tim pengabdi dan masyarakat melalui tahapan perencanaan, aksi, observasi, dan refleksi. Evaluasi program dilakukan melalui observasi partisipatif dan penilaian terhadap luaran berupa dokumen program kerja serta efektivitas struktur organisasi baru. Hasil kegiatan menunjukkan bahwa program ini berhasil mengaktifkan kembali takmir, yang ditandai dengan terbentuknya kepengurusan solid, penyusunan program kerja terencana, dan peningkatan pemahaman pengurus terhadap manajemen keuangan serta organisasi. Kesimpulannya, penguatan kelembagaan takmir merupakan kunci untuk mengembalikan fungsi masjid sebagai pusat pergerakan umat. Model pendampingan ini terbukti efektif dan dapat direplikasi untuk menjamin keberlanjutan organisasi takmir di wilayah lain dengan karakteristik serupa.
The Nexus Between Islamic Bank Financing For Msmes and Regional Poverty Reduction: Evidence From Indonesia Arifa Pratami; Purwanto
International Journal of Management and Business Economics Vol. 4 No. 3 (2026): June
Publisher : CV Putra Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58540/ijmebe.v4i3.1587

Abstract

This study examines the nexus between Islamic bank financing and regional poverty reduction in Indonesia, addressing the critical gap in evidence-based policy during the post-pandemic recovery. Utilizing a balanced panel dataset of 33 provinces from 2020 to 2024, the research employs a Fixed Effect Model (FEM) with Cluster-Robust Standard Errors to ensure empirical rigor. The results demonstrate that while total Islamic financing significantly reduces poverty rates—confirming its role in wealth redistribution Islamic MSME financing exhibits a significant positive correlation. Rather than indicating intermediation failure, this study clarifies that such results reflect a strategic pro-poor targeting phenomenon, where Islamic financial institutions proactively penetrate high-poverty regions to fulfill their social inclusion mandate. Furthermore, the findings reveal a fiscal-monetary divergence, where regional government expenditure shows persistent inefficiencies in contrast to the positive externalities of population agglomeration. This study contributes to the literature by providing a nuanced understanding of the dual-objective nature of Islamic banking and offers a novel framework for integrating Sharia-based financial inclusion with regional development strategies. The findings provide a mandate for policymakers to synchronize fiscal allocations with Islamic financial ecosystems to foster sustainable economic independence.
Adoption of Islamic Rural Banks in Indonesia: The Role of Brand Personality and Religiosity Purwanto Purwanto; Ali Ibrahim Dasuki; Mutia Pamikatsih
Shirkah: Journal of Economics and Business Vol. 10 No. 3 (2025)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/shirkah.v10i3.913

Abstract

Islamic Rural Banks (henceforth BPRS) represent a rapidly expanding segment of the Islamic banking industry in Indonesia, marked by increasing adoption of their financial products. While customer religiosity is often assumed to be a key determinant of Islamic banking adoption, its influence is not always direct and may operate through more complex mechanisms, such as banks’ brand personality. Accordingly, this study examines the mediating role of Islamic banks’ brand personality in the relationship between customer religiosity and the adoption of BPRS products. Using a quantitative approach, survey data were collected from 400 BPRS customers across seven provinces in Indonesia. Respondents were selected using a non-probability sampling technique, with the sample size determined by the Slovin formula to ensure representativeness at a 5% margin of error. The data were analyzed using Structural Equation Modeling with Partial Least Squares (SEM-PLS). The results indicate that brand personality has a positive and significant effect on the adoption of BPRS products, whereas religiosity does not exert a significant direct influence. Importantly, brand personality is found to mediate the relationship between religiosity and product adoption. These findings suggest that developing a strong and distinctive brand personality is strategically crucial for Islamic rural banks, enabling them to translate customers’ inherent religiosity into actual service adoption beyond purely ideological appeals.
PROFITABILITAS DAN MAQASID SYARIAH: PENGARUH MURABAHAH DAN MUSYARAKAH DENGAN NPF SEBAGAI VARIABEL KONTROL Nur Kholidah Kholidah; Muhammad Arifiyanto; Purwanto Purwanto; Ade Fidiawati
Neraca Vol. 22 No. 1 (2026): NERACA
Publisher : FEB Universitas Muhammadiyah Pekajangan Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.48144/neraca.v22i1.2480

Abstract

Penelitian ini bertujuan menganalisis pengaruh pendapatan murabahah dan pendapatan musyarakah terhadap profitabilitas Bank Umum Syariah (BUS) di Indonesia dengan Non Performing Financing (NPF) sebagai variabel kontrol dalam perspektif maqasid syariah. Profitabilitas diukur menggunakan Return on Assets (ROA). Penelitian menggunakan pendekatan kuantitatif dengan data sekunder yang diperoleh dari laporan keuangan Bank Umum Syariah di Indonesia. Analisis data dilakukan menggunakan regresi data panel. Hasil penelitian menunjukkan bahwa pendapatan murabahah berpengaruh positif dan signifikan terhadap profitabilitas, sedangkan pendapatan musyarakah berpengaruh negatif dan signifikan terhadap profitabilitas. NPF sebagai variabel kontrol terbukti berpengaruh negatif dan signifikan terhadap profitabilitas. Secara simultan, pendapatan murabahah, pendapatan musyarakah, dan NPF berpengaruh signifikan terhadap profitabilitas Bank Umum Syariah. Nilai Adjusted R-Squared sebesar 56,45% menunjukkan bahwa variasi profitabilitas dapat dijelaskan oleh ketiga variabel tersebut, sedangkan sisanya dipengaruhi oleh faktor lain di luar model penelitian. Dalam perspektif maqasid syariah, pendapatan murabahah mendukung prinsip hifdz al-mal melalui pengelolaan dana yang produktif, sementara musyarakah lebih mencerminkan prinsip keadilan dan kemitraan meskipun belum memberikan kontribusi optimal terhadap profitabilitas. Temuan penelitian mengindikasikan adanya tantangan dalam menyeimbangkan orientasi profitabilitas dengan pencapaian tujuan maqasid syariah. Oleh karena itu, penguatan manajemen risiko, peningkatan kualitas pembiayaan berbasis bagi hasil, dan pengendalian NPF perlu dioptimalkan untuk mewujudkan profitabilitas yang sejalan dengan kemaslahatan dan tujuan syariah.   REFERENSI Abu Zahrah, M. (1958). Ushul al-fiqh. Dar al-Fikr al-Arabi. Accounting and Auditing Organization for Islamic Financial Institutions. (2025). Sharia standards. AAOIFI. Aiman, A., & Sutrisno, B. (2020). Pengaruh non-performing financing pembiayaan murabahah, mudharabah, dan musyarakah terhadap profitabilitas bank umum syariah di Indonesia. Jurnal Manajemen Bisnis dan Keuangan, 1(1), 19–36. Andriyani, M. (2021). Pengaruh murabahah, CAR, dan DPK terhadap maqasid syariah dengan NPF sebagai moderating. Jurnal Ekobis: Ekonomi Bisnis & Manajemen, 11(2), 234–248. Antonio, M. S. (2001). Bank syariah: Dari teori ke praktik. Gema Insani Press. Bank Indonesia. (2024). Laporan perekonomian Indonesia 2024. Bank Indonesia. Gujarati, D. N., & Porter, D. C. (2009). Basic econometrics (5th ed.). McGraw-Hill. Islamic Financial Services Board. (2024). Islamic financial services industry stability report 2024. IFSB. Islamic Financial Services Board. (2025). Islamic financial services industry stability report 2025. IFSB. Ismail. (2018). Perbankan syariah. Kencana. Kasmir. (2019). Analisis laporan keuangan. Rajawali Pers. Komite Nasional Ekonomi dan Keuangan Syariah. (2025). Indonesia Islamic economy report 2025. KNEKS. Mishkin, F. S. (2019). The economics of money, banking and financial markets (13th ed.). Pearson Education. Nuriyah, N. L. S., & Setyaningsih, N. D. (2024). Pembiayaan murabahah, musyarakah, qardh dan NPF terhadap profitabilitas bank umum syariah tahun 2018–2022. Jurnal E-Bis, 8(1), 193–206. Otoritas Jasa Keuangan. (2023–2025). Statistik perbankan syariah. Otoritas Jasa Keuangan. Rose, P. S., & Hudgins, S. C. (2013). Bank management and financial services (9th ed.). McGraw-Hill. Sekaran, U., & Bougie, R. (2016). Research methods for business: A skill building approach (7th ed.). Wiley. Sugiyono. (2022). Metode penelitian kuantitatif. Alfabeta. World Bank. (2024). Global economic prospects. World Bank.
Efektivitas metode pembelajaran Sorogan Kitab Jurumiyah di Pondok Pesantren Putri Al Ma’rufiyah Tempuran Niken Febrian; Purwanto Purwanto; Laili Syarifah; Nailatul Muna
DWIJA CENDEKIA: Jurnal Riset Pedagogik Vol 8, No 1 (2024): April 2024
Publisher : Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/jdc.v8i1.84564

Abstract

Penelitian ini bertujuan untuk menganalisis efektivitas metode sorogan dalam meningkatkan pemahaman santri terhadap kitab Jurumiyah (buku tata bahasa Arab) di Pondok Pesantren Putri Al Ma'rufiyah Tempuran. Penelitian ini menggunakan metode deskriptif kuantitatif dengan sampel 11 santriwati dari angkatan 2023/2024 untuk mengetahui efektivitas metode sorogan. Analisis kinerja mereka dalam tes dan tugas pemahaman menunjukkan bahwa metode ini efektif dalam meningkatkan pemahaman mereka tentang Jurumiyah. Efektivitas metode sorogan dipengaruhi oleh faktor pendukung dan penghambat. Faktor pendukungnya antara lain penjelasan yang jelas dari guru yang penuh perhatian. Namun, kelemahan dari metode ini adalah potensi monoton yang dapat menyebabkan kebosanan siswa. The effectiveness of the Sorogan Kitab Jurumiyah learning method at Pondok Pesantren Putri Al Ma'rufiyah Tempuran Abstract: This research aims to analyze the effectiveness of the Sorogan method in improving students' understanding of the Jurumiyah (an Arabic grammar book) at Al Ma'rufiyah Tempuran Girls' Islamic Boarding School. This research, employing a quantitative descriptive method with a sample of 11 female students from the Class of 2023/2024, investigates the effectiveness of the Sorogan method. The analysis of their performance in tests and comprehension tasks suggests that the method is effective in improving their understanding of the Jurumiyah. The effectiveness of the sorogan method is influenced by both supporting and inhibiting factors. Supportive factors include clear explanations from attentive teachers. However, the method's potential downside is its potential for monotony, which can lead to student boredom.
The Nexus Between Islamic Bank Financing for MSMEs, Financing Quality, and Regional Unemployment: Evidence from Indonesian Provinces Mutia Pamikatsih; Purwanto
Sharia Economic and Management Business Journal (SEMBJ) Vol. 7 No. 1 (2026): Sharia Economic and Management Business
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v7i1.2313

Abstract

Background: As the stability of the labor market becomes a central pillar of regional economic resilience, the role of Islamic financial intermediation faces critical scrutiny. While Islamic banking aims to foster social welfare, the transmission gap between financing expansion and actual employment absorption remains a challenge. This study investigates the nexus between Islamic MSME financing, financing quality, and regional unemployment across 33 Indonesian provinces, evaluating whether the quality of intermediation (risk) or its quantity (volume) serves as the primary determinant for labor market outcomes. Method: Utilizing a balanced panel data set of 198 observations from 2020 to 2025, this research employs a quantitative approach. The analytical framework utilizes the Fixed Effect Model (FEM) with Robust Standard Errors (Huber-White sandwich estimators) to address heteroskedasticity and first-order autocorrelation. The model was validated through the Chow, Hausman, Modified Wald, and Wooldridge tests to ensure the robustness of the empirical findings. Results: The empirical results reveal that Non-Performing Financing (NPF) exerts a significant positive impact on the unemployment rate (p < 0.05), confirming that elevated credit risk triggers business failures and subsequent job losses. Conversely, MSME financing volume and liquidity ratios (FDR) exhibit no significant direct effect on unemployment reduction. Notably, economic growth (GRDP) remains the primary negative predictor of unemployment, reaffirming the validity of Okun’s Law in the regional context. Conclusion: This study concludes that the quality of Islamic banking intermediation is more critical than its quantity in addressing socio-economic challenges. Strengthening risk management and financing quality is essential to prevent a credit crunch that hinders labor absorption. Policy interventions should shift from purely growth-oriented strategies to risk-managed growth, ensuring that financing is directed toward labor-intensive sectors accompanied by robust business mentorship to safeguard regional employment stability.
Co-Authors A'yuni, Diah Syifaul Abdul Ghofur Abdul Rochman Abdul Rosyid Achmad Burhani Fahrul Fuadi Achmad Labib Achmad Labib Achmad Labib Achmad Nur Alfianto Achmad Nur Alfianto Ade Fidiawati Ade Wahyudin, Ade Adi Fahrudin Affida, Maulina AFIFAH, UMI Ahmad Bayu Ahmad Bayu Ahmad Efendi Efendi Ahmad Fuad Hasyim Ahmad Mustofa Ahmad Rofiq, Ahmad Akhmad Rifa’i, Fuad Yanuar Al Ayubi, Muhammad Haris Alfianto, Achmad Nur Ali Ibrahim Dasuki Anam, Rizqy Khairul Angkoso, Sutanto Prasetyo Anisatul Azizah, Anisatul Ansori, Miswan Aqni, Bima Vitrana Arifa Pratami Arum Maesaroh Putri Assodiqoh, Nur Ma'rifah Ayyusuf, Imanul Achmad Al Amir Budiyarsih Dahlia Dahlia Dakusta Puspitasari, Dakusta Dasuki, Ali Ibrahim Datu Mussolini Sinsuat Lidasan Dhea Yustiana Safitri Djamil, Abdul Erwin Dwi Nano Euis Naely Minatika Fachrizi, Ach Resa Fadilla, Nurlita Dewi Fadli, M. Robit Nailal Fatkhul Ngali Fauziah, Nur Dinah Fikri, Zaki Fitriyani, Yeny Fuad Yanuar Ahmad Rifa'i Fuad Yanuar AR Haifah Nabilatul Azizah Halipah Halipah Hartanti, Isnaeni Hasyim HS, Ahmad Fuad Heni Pujiastuti Hidayat, Yahya Nur Ibnu Firmansyah, Ibnu In'amuzzahidin, Muh Indahsari, Sutriyana Johan Arifin Kholidah, Nur Kristiadi, David Kurniawati, Vira Kusrianti, Rinda Labib, Achmad Laili Syarifah Lia Nur Cahyani Lidasan, Datu Mussolini Sinsuat M Pudail M. Pudail Makmun, Muhammad Adib Makrifatul Ulum Malikhatul Khayati Mar’atus Sholikhah Maryono - Maryono . Maryono Maryono Maryono Maryono Milna Wafirah Milna Wafirah Mita Indriani Muchammad Muchammad Muhamad Makhfud Fakhrudin Muhamad Sholikhun Muhammad Afif Ma’ruf Muhammad Alif Muzakki Muhammad Amin Muhammad Amin Muhammad Arifiyanto Muhammad Rifki Muhammad Sulthon Muhammad Sulthon Mukhamat Nasikin Musarofah, Unun Mutia Pamikatsih Nailatul Muna Najiyah, Nabila Lailatun Nala Khilmi Nawal Nur Arafah Nur Alfianto, Achmad Nur Kholidah Kholidah Nur Latifah Pambudi, Fajar Pandu Dwi Handika Pramudiyanti, Dian Ayu Pratiwi, Aprilia Pudail Pudail, M. Pudail, M. Putri Putri, Sherlly Oktavia Dwi Qonita Khaulah Qurotul Aini Qurrata A’yun, Azkiya Ramadani, M. Kevin Rifa'i, Fuad Yanuar Akhmad Rifai, Fuad Yanuar Akhmad Rifa’i, Fuad Yanuar Akhmad Rizki Yati, Heliana Robbi, Imam Arsya Shofa Rochison, Muhammad Rokhmadi Rokhmadi Rosowulan, Titis S Siswanto Samaniyah, Safngatul Ngasris Sam’ani, Sam’ani Saputra, Ahmad Ghulami Adyan Danar Sausan Salsabila Setianingsih, Purwati Setiyo, Eko Shodiq Abdullah Sholikhun, Muhammad Siswanto Siswanto Siti Khoiriyah Sulis Rokhmawanto Tajun Yuhsinun Titis Rosowulan Tituk Utari Tri Mulyani Tri Nur Fadilah Ulin Ni’matul Mustaniroh Ustadz, Damar Irsyad Wasiti Wasiti, Wasiti Widiyawati, Ema Nurkholisa Wijaya, Roma Wisnu Azhari Yeny Fitriyani Yeny Fitriyani Yulia, Mukhafatul Sifa