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All Journal Paradigma : Journal of Science, Religion and Culture Studies Lentera Hukum Jurnal Cita Hukum PADJADJARAN Jurnal Ilmu Hukum (Journal of Law) Journal of Indonesian Legal Studies Jurnal Konstitusi Jurnal Ilmiah Hukum LEGALITY Jurnal EMT KITA Constitutional Review Warta Pengabdian Jurnal HAM Undang: Jurnal Hukum Jurnal Pengabdian Masyarakat AbdiMas JURNAL PENDIDIKAN TAMBUSAI Ekonis : Jurnal Ekonomi dan Bisnis Jurnal Review Pendidikan dan Pengajaran (JRPP) MIZAN, Jurnal Ilmu Hukum Community Development Journal: Jurnal Pengabdian Masyarakat Lampung Journal of International Law (LaJIL) Journal of Judicial Review Indonesian Journal of Law and Society Forum Bisnis dan Kewirausahaan Agroradix : Jurnal Ilmu Pertanian Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi (JEBMA) Jurnal Abdiraja Jurnal Akutansi Manajemen Ekonomi Kewirausahaan (JAMEK) Jurnal Konstitusi Journal Of Human And Education (JAHE) Balance : Jurnal Akuntansi dan Manajemen Jurnal Dedikasi Hukum Indonesia Law Review (ILREV) Jurnal Hukum dan Peradilan Jurnal Abdi Masyarakat Jurnal Psikologi : Media Ilmiah Psikologi Room of Civil Society Development Warkat Jurnal Hukum dan Pembangunan Jurnal Ilmu Administrasi Publik Jurnal Papeda: Jurnal Publikasi Pendidikan Dasar Room of Civil Social Development Indonesian Journal of Advocacy and Legal Services Jurnal Indonesia Studi Moderasi Beragama
Muhammad Bahrul Ulum
Faculty Of Law, University Of Jember
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Dentistry Economics, Econometrics & Finance Education Energy Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Nursing Physics Public Health Social Sciences Other

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Journal : Balance : Jurnal Akuntansi dan Manajemen

 1 
Pengaruh Pembiayaan Syariah, Kredit Konvensional Dan Pengeluaran Per Kapita Terhadap Pertumbuhan Industri Mikro Dan Kecil Di Sumatera Bagian Selatan Tanzil, Dolly; Ulum, Muhammad Bahrul
Balance : Jurnal Akuntansi dan Manajemen Vol. 4 No. 1 (2025): April 2025
Publisher : Lembaga Riset Ilmiah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59086/jam.v4i1.641

Abstract

Industri Mikro dan Kecil (IMK) berperan penting dalam perekonomian Sumatera Bagian Selatan sebagai pencipta lapangan kerja dan motor pertumbuhan ekonomi lokal. Namun, perkembangannya masih terkendala keterbatasan akses pembiayaan serta daya beli masyarakat. Penelitian ini menganalisis pengaruh pembiayaan Bank Umum Syariah dan Unit Usaha Syariah, kredit bank konvensional, serta peran pengeluaran per kapita sebagai variabel moderasi terhadap pertumbuhan jumlah IMK pada periode 2019–2023. Data sekunder diperoleh dari OJK dan BPS, kemudian dianalisis dengan model data panel moderasi. Hasil penelitian menunjukkan bahwa pembiayaan syariah dan kredit konvensional berpengaruh signifikan terhadap pertumbuhan IMK. Pengeluaran per kapita tidak berpengaruh langsung, tetapi memoderasi hubungan tersebut: interaksinya dengan pembiayaan syariah memperkuat pertumbuhan IMK, sedangkan interaksinya dengan kredit konvensional justru melemahkan pengaruhnya. Temuan ini menegaskan pentingnya akses pembiayaan perbankan dalam mendorong pertumbuhan IMK, dengan efektivitas yang sangat dipengaruhi oleh pola konsumsi dan daya beli masyarakat. Micro and Small Enterprises (MSEs) play a vital role in the economy of Southern Sumatra, serving as key drivers of local economic growth and job creation. However, their development remains constrained by limited access to financing and the influence of household purchasing power. This study examines the effects of financing from Islamic Commercial Banks and Islamic Business Units, conventional bank credit, and the moderating role of per capita expenditure on the growth of MSEs during the 2019–2023 period. Secondary data were obtained from the Financial Services Authority (OJK) and Statistics Indonesia (BPS) and analyzed using a panel data model with a moderation approach. The results reveal that both Islamic financing and conventional credit significantly influence MSE growth. While per capita expenditure does not have a direct effect, it serves as a moderating variable: its interaction with Islamic financing strengthens MSE growth, whereas its interaction with conventional credit weakens the relationship. These findings highlight that access to bank financing is essential for supporting MSE development, but its effectiveness is highly dependent on consumption patterns and household purchasing power.
Co-Authors Adianto, Daru Afera, Gebrekiros Goytom Aguntoro, Andrian Akbar, M Syahrul Al Farizi, Dizar Alghifari Mahdi Igamo Amalia, Arifa Elmi Antikowati Antikowati Anugrah, Eri Anwar, Darul Anwar, Kholilul Azis, Maskur Azwardi Azwardi Baharuddin, Lujang Baihaqi, Marsaa Dewanti, Ria Resti Dina Tsalist Wildana, Dina Tsalist Dwirati, Laras Eddy Mulyono Endah Dewi Purnamasari Fahrezi, Mahfudz Febrianti, Dwi Andini Fina Fakhriyah Fitri Azzahirah, Diyanah Gautama Budi Arundhati, Gautama Budi Gebrekiros Goytom Afera Halim, Hamid Hamdani, Maulana Iskhaq Hamida, Nilna Aliyan Haritsahrizal, Muhammad Zaid Hendarmin, R.M. Rum Hendarmin, RM. Rum Herdarmin, Rum Hildayanti Ihyana Lutfianda Intan, Ratu Istiqomah, Istiqomah Jayus Jayus Jayus Jayus Junata, Reonald Karisdyanti, Yuyun Khanif, Al Khanif, Al, Dr. Kusdinar, Iqbal Firdaus Liananda, Inka Liliana Liliana Lutfi Ariefianto Lutfianda, Ihyana M. Kava Zulfikri Mariyana Widiastuti Mariyatul Qibtiyah Md. Toriqul Islam Moch. Marsa Taufiqurrohman Muhamad Parhan Muhammad Ardiyansah Muhammad Haris Muhshi, Adam Munawaroh, Diniyatul Murdhiyatun Mafhumah, Siti Nur Nabilah, Adinda Valencia Nilna Aliyan Hamida Novendawati Wahyu Sitasari Nugraha, Reyka Widia Pratama, Gamma Cipta Surya Putra, M. Ridho Amirsyah Putra, Mgs. Prima Darma Putri, Rachma Emilia Qolbiyah, Latifatul Rafiqah, Ridhatul Rahmadanty, Permata Ramadani, Lulu Alfia Raneo, Agung Putra Ratu, Ratu Intan Rima Melati Rosita Indrayati Roswaty Roswaty, Roswaty Rosy, Marshanda Rozali, Yuli Asmi Sabillah, Annisa Saputri, Endah Saputri, Intan Wahyuni Saputri, Ririn Saragih, Stephanie Ellenesia Satyaningtyas, Ayu Citra Sa’ada, Fais Dathul Sekar Dwi Ardianti Setiawan Wicaksono, Setiawan Siti Komariah Hildayanti, Siti Komariah Soetijono, Iwan Rachmad Sulistia, Alda Wenda Syaputri, Ayu Geby Gisela Tanzil, Dolly Utami, Mega Veronica, Meilin Wahyudin, Dian Wildana, Dina Yarsah, Waldi Novi Zahra, Aprilia Zahria, Putri