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Analisis Dampak Total Asset dan Pembiayaan Bank Syariah terhadap Pertumbuhan Ekonomi Indonesia: Analysis of the Impact of Total Assets and Sharia Bank Financing on Indonesia's Economic Growth M. Wanri Wahyudin
Economic Reviews Journal Vol. 4 No. 1 (2025): Economic Reviews Journal
Publisher : Masyarakat Ekonomi Syariah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56709/mrj.v4i2.679

Abstract

This research examines the relationship between financing and total assets of Islamic banks on Indonesia's economic growth. The research results show that financing has a significant influence in supporting economic growth through increasing investment, consumption and business activity. Sharia banks play a role in strengthening strategic sectors such as infrastructure, education and health through long-term financing that is oriented towards sustainability. However, the effectiveness of sharia bank financing in encouraging economic growth is still influenced by the level of financial inclusion and supporting regulations. Apart from that, total assets of sharia banks also contribute to economic growth by reflecting banking capacity in channeling financing to productive sectors, such as MSMEs and industry. A financing model based on sharia principles that prioritizes risk-sharing provides an alternative for economic actors who experience limited access to conventional finance. The stability of Islamic banks in facing economic shocks helps strengthen the national financial system, which has a positive impact on economic growth. Thus, strengthening the sharia banking sector through education, supportive regulations, and the development of innovative financial products are key factors in optimizing its contribution to the Indonesian economy.Keywords: Author Guidelines; Journal Al-Kharaj; Article Templates
Analisis Literasi Keuangan Penggunaan Fintech Payment bagi Pelaku Usaha UMKM Moh. Asep Zakariya Ansori; M. Wanri Wahyudin; Neng Ila Nurbaet; Muhamad Rama Isagozi; Siti Azkya Diva; Nadina Amira Zahra; Guslianti Nur; Muhammad Yusuf; Muhammad Tabroni
Economic Reviews Journal Vol. 3 No. 1 (2024): Economic Reviews Journal
Publisher : Masyarakat Ekonomi Syariah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56709/mrj.v3i1.130

Abstract

The ability to manage finances well (financial literacy) is very important for micro, small and medium enterprises (MSMEs) to run their businesses. It is hoped that the use of fintech payment services can improve the financial literacy skills of MSME players. This research aims to analyze the level of financial literacy of MSMEs that use fintech payment services. The research was conducted using a qualitative approach through case studies. Data collection using in-depth interviews and observations of 10 MSMEs using fintech in Leuwiliang Bogor. Data analysis uses the Miles and Huberman interactive model. The research results show that the use of fintech helps MSMEs in financial planning, recording transactions, and accessing financial information, and financial literacy shows that it can help MSMEs in good financial knowledge, good financial management for MSME players. Increasing MSME financial literacy such as recording transactions and planning daily expenses. MSMEs already understand because special assistance and training for the use of fintech can improve MSMEs' financial literacy better.