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All Journal Menawan : Jurnal Riset dan Publikasi Ilmu Ekonomi Indonesia Economic Journal
Sri Wardany
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Pengaruh  Kredit Usaha Rakyat (KUR) Terhadap Pertumbuhan UMKM di Kelurahan Karya Jaya Kecamatan Rambutan Kota Tebing Tinggi Mhd. Shafwan Aziz; Sri Wardany
Indonesia Economic Journal Vol. 1 No. 2 (2025): DESEMBER
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/69rt0b30

Abstract

Penelitian ini menganalisis dampak Kredit Usaha Rakyat (KUR) terhadap pertumbuhan Usaha Mikro, Kecil, dan Menengah (UMKM) di Kelurahan Karya Jaya, Kecamatan Rambutan, Kota Tebing Tinggi. Dengan menggunakan metode survei dan analisis regresi linier, data dikumpulkan dari 150 pelaku UMKM yang menerima KUR antara 2019-2022. Hasil menunjukkan bahwa KUR secara signifikan meningkatkan pendapatan, jumlah tenaga kerja, dan inovasi produk UMKM, dengan koefisien determinasi sebesar 68%. Namun, tantangan seperti bunga tinggi dan persyaratan administrasi masih menghambat pertumbuhan optimal. Penelitian ini merekomendasikan penyederhanaan proses KUR untuk memperkuat dampaknya pada UMKM lokal.
Pengaruh Islamic Social Reporting (ISR) dan Maqashid Syariah Index (MSI) terhadap Kinerja Keuangan Bank Umum Syariah di Indonesia Gadiez Salsabilla Panjaitan; Ratna Sari Dewi; Sri Wardany; Reza Hanafi Lubis
MENAWAN : Jurnal Riset dan Publikasi Ilmu Ekonomi Vol. 4 No. 5 (2026): September: MENAWAN: Jurnal Riset dan Publikasi Ilmu Ekonomi
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/menawan.v4i5.2528

Abstract

This study aims to analyze the effect of Islamic Social Reporting (ISR) and the Maqashid Shariah Index (MSI) on the financial performance of Islamic Commercial Banks in Indonesia, both partially and simultaneously. Financial performance is proxied by Return on Assets (ROA). This study employs a quantitative approach with a causal-associative design. The population consists of all Islamic Commercial Banks registered with the Financial Services Authority (OJK) during 2022–2024. Using a purposive sampling technique, 11 banks were selected as the sample, resulting in 33 panel data observations (cross section and time series). Data were analyzed using panel data regression with the Random Effect Model (REM) selected as the best estimation model, processed using Eviews 14. The results indicate that ISR has a positive but insignificant effect on ROA (coefficient 0.110666; probability 0.3832 > 0.05), MSI also has a positive but insignificant effect on ROA (coefficient 0.318965; probability 0.2215 > 0.05), and simultaneously ISR and MSI do not significantly affect ROA (F-statistic 1.728061; probability 0.194843 > 0.05), with an Adjusted R-squared of only 4.35%. These findings indicate that the financial performance of Islamic Commercial Banks in Indonesia is more influenced by conventional financial factors than by the dimensions of sharia social disclosure and the attainment of maqashid shariah alone.
Co-Authors Dina Pidiana Yurista Fani Adelia FITRI ZAHRIANA Gadiez Salsabilla Panjaitan Khanti Listya Mhd. Shafwan Aziz Putri Yadinda Kartika Sari Ratna Sari Dewi Reza Hanafi Lubis