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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.
Prospek Pengembangan Perbankan Syariah Nasional Pasca Undang-Undang Perbankan Syariah (Analisis dengan Pendekatan Model Statistika Chow Test) Bismi Khalidin
Share: Jurnal Ekonomi dan Keuangan Islam Vol. 1 No. 1 (2012)
Publisher : Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/share.v1i1.715

Abstract

This article aims to determine the influence of Undang-Undang Perbankan Syariah (UUPS) on the growth of Islamic banking industry in Indonesia. The data was analyzed using econometric software, SHAZAM version 10.1. This study employs Ordinary Least Square (OLS), and Chow Test was utilized as statistical instrument. The findings show that UUPS did not have significant influence on the growth of Islamic banking in Indonesia. This was indicated by fact that third party fund (DPK), number of depositors and amount of financing were not growing significantly. In addition, the application of Profit-Loss Sharing (PLS), as the core principle in Islamic banking operation, also did not show any significant change. This was supported by the fact that murabahah product was still dominant within the financing portfolio of Islamic banking in Indonesia. ABSTRAK - Penelitian ini bertujuan untuk mengetahui sejauhmana pengaruh Undang-Undang Perbankan Syariah (UUPS) terhadap pertumbuhan industri perbankan syariah nasional. Metode analisis yang dipakai adalah Ordinary Least Square (OLS), dengan instrumen statistik Chow Test. Pengolahan data menggunakan program ekonometrika SHAZAM Versi 10.1. Hasil penelitian menunjukkan bahwa UUPS tidak mempunyai pengaruh yang signifikan terhadap pertumbuhan industri perbankan syariah secara umum. Dana Pihak Ketiga, Jumlah Nasabah dan Pembiayaan tidak mengalami perubahan sama sekali. Disamping itu, penerapan sistem bagi hasil Profit-Loss Sharing (PLS) yang merupakan prinsip utama operasional perbankan syariah, juga tidak mengalami perubahan yang signifikan. Ini ditunjukkan dengan pembiayaan produk murabahah masih mendominasi portofolio pembiayaan industri perbankan syariah nasional.