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All Journal Statistika Pharmaciana: Jurnal Kefarmasian EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis EKSPANSI Amwaluna Jurnal Ekonomi dan Keuangan Syariah TRANSFORMASI : JURNAL PENGABDIAN PADA MASYARAKAT Indonesian Journal of Economics and Management Jurnal Riset Statistika Bandung Conference Series: Statistics
Teti Sofia Yanti
Program Studi Statistik, Universitas Islam Bandung
Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Industrial & Manufacturing Engineering Mathematics Medicine & Pharmacology Social Sciences Other

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Journal : Indonesian Journal of Economics and Management

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MSME Financing in Islamic Banks and Poverty in Indonesia Setiawan, Iwan; Tripuspitorini, Fifi Afiyanti; Ruhana, Nafisah; Yanti, Teti Sofia
Indonesian Journal of Economics and Management Vol. 4 No. 1 (2023): Indonesian Journal of Economics and Management (November 2023)
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/ijem.v4i1.5054

Abstract

Poverty is a socio-economic problem faced by all nations. The poverty rate has decreased, but the number and percentage are still quite high. One solution to reduce poverty is to increase the income of Micro, Small and Medium Enterprises (MSMEs). MSMEs involve the majority of business actors and the lower middle class, the success of the MSME sector will reduce poverty. The main obstacle in the development of MSMEs is the lack of funds and limited access to funding from financial institutions. Islamic banks play a role in overcoming poverty through financing activities that are directly provided to MSMEs. Sharia Bank financing for MSMEs is still limited, trending downwards and does not meet the minimum requirements of Bank Indonesia. This research was conducted to examine the role of sharia bank MSME financing for poverty in Indonesia. This study uses qualitative and quantitative methods using a simultaneous regression analysis model, so that the causes and interrelationships between variables can be stated clearly. The results of this study reveal that Islamic bank financing for MSMEs plays a role in poverty alleviation indirectly through economic growth. Poverty is directly affected by the capital and quality of financing in Islamic banks. The central bank's interest rate policy and inequality in income distribution have contributed to poverty in Indonesia. Efforts to reduce poverty can be carried out by increasing the quality of financing in the MSME sector, encouraging economic growth, setting optimal policy interest rates and reducing inequality in income distribution in society.
The Role of Islamic Bank MSME Financing for Job Creation in Indonesia Setiawan, Iwan; Tripuspitorini, Fifi Afiyanti; Ruhana, Nafisah; Yanti, Teti Sofia
Indonesian Journal of Economics and Management Vol. 4 No. 3 (2024): Indonesian Journal of Economics and Management (July 2024)
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/ijem.v4i3.6175

Abstract

Population growth has an impact on increasing unemployment due to the limited job opportunities available in Indonesia. The solution to overcoming unemployment is carried out through the development of labor-intensive economic sectors. The micro, small and medium enterprise (MSME) sector has the potential to create jobs. However, the development of MSMEs is hampered by limited sources of funds that can be accessed from financial institutions (banks). The Islamic bank financing system is in accordance with the characteristics of MSMEs, has the potential to encourage increased business and employment for MSMEs. This research aims to examine the impact of Islamic bank financing for MSMEs on job creation in Indonesia. The research was carried out using a multiple regression analysis model with the Ordinary Least Square (OLS) estimation method, using time series data for the monthly period 2016-2023. The research results show that Islamic bank financing in the MSME sector has a significant positive effect on job creation. Every increase in sharia bank financing in the MSME sector provides a direct contribution to job creation. Job creation is also significantly influenced by third party funds from Islamic banks, monetary policy, minimum wage policy, unemployment and economic growth. Increases in third party funds, minimum wages and economic growth have a significant effect on job creation. Increasing monetary policy interest rates and unemployment result in a decrease in job creation.
Co-Authors 10060118082, Rizky Fauzi Adeliya Sanya Lenita Aida Nurul Islah Alfiari Firdaus Andi Setia Nugraha Annisa Lisa Nurjanah Ari Budi Utomo Dadang Hermawan Diana Erviana Dwi Syah Fitra Ramadhan Enu Ainun Isni Eti Kurniati Fariz Andinur Aziz Fifi Afiyanti Fiore Rosie Kestana Fitrianti Darusman Fuji Astuti Hilda Aprilia, Hilda Icih Sukarsih Iwan Setiawan Lathifah Lisnur Wachidah Mega Anisa Rachim Mey Damayanti CR Muhammad Farhan Praja Utama Nety Kurniaty Nusar Hajarisman Onoy Rohaeni Puthri Rahma Zain Putriyanto, Jasmine Salsabila Raihani Himati Kamilah Ratih Nurfitri Ruhana, Nafisah Salma, Ghina Siti Sunendiari Siti Sunendiari Taufik Muhammad Fakih Tripuspitorini, Fifi Afiyanti Yani Krishnamurti Yayat Karyana