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All Journal Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah Jurnal Ilmu Ekonomi dan Bisnis Islam
Muh Arafah
Institut Agama Islam Negeri Bone
Economics, Econometrics & Finance

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ANALISIS PEMBIAYAAN PRODUKTIF DALAM PENGEMBANGAN USAHA MEBEL ( STUDI PADA UD. ASNUR MANDIRI JL KH AGUS SALIM BONE) Nurul Faijah; Abd Hafid; Muh Arafah
JURNAL PROFIT Vol 8, No 1 (2024): Economic and Banking
Publisher : Nurul Jadid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/profit.v8i1.9022

Abstract

Financing allows companies to obtain financial assistance or capital to develop businesses and generate profits. This study aimed to explain the utilization of financing, particularly productive financing, in the development of the furniture business at UD Asnur Mandiri. This study used a qualitative field research approach and data collection techniques such as observation, interview, and documentation. The collected data was then analyzed comprehensively. The analysis revealed that UD Asnur Mandiri could develop its business through the use of productive financing. The indicators of business development demonstrate the utilization of financing to boost raw materials, labor, production, customer base, and revenue. Therefore, the use of financing by UD. Asnur Mandiri significantly influences its business development.
Poverty, Unemployment, Human Development, and Regional Economic Growth in South Sulawesi: Panel Evidence from an Islamic Economics Perspective Muh Arafah; Anggun Suryani Hasmal; Azizi Abu Bakar; Nur Aliyah Rahma Saleh; Karina Kamista
Jurnal Ilmu Ekonomi dan Bisnis Islam Vol. 8 No. 1 (2026)
Publisher : Program Studi Ekonomi Syariah, FEBI UIN Datokarama Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24239/jiebi.v8i1.434.14-31

Abstract

Regional economic growth does not always lead to poverty reduction, labor absorption, or equitable welfare improvement. This study examines the relationship between poverty, the open unemployment rate, the Human Development Index (HDI), and regional economic growth across twenty-four regencies/municipalities in South Sulawesi during 2021–2025. Using balanced panel data, the study applies panel regression analysis, with the Common Effect Model selected through model specification tests. Because diagnostic tests indicate heteroskedasticity and first-order autocorrelation, the final estimation employs White period standard errors with cross-section clustering. The results show that poverty has a negative but statistically insignificant relationship with regional economic growth, while the open unemployment rate and HDI are also statistically insignificant. These findings suggest that short-term regional growth in South Sulawesi is not sufficiently explained by poverty, unemployment, and human development indicators alone, but may beinfluenced by broader structural factors, including sectoral composition, investment, public expenditure, infrastructure, and local recovery capacity. From an Islamic economics perspective, this study highlights the need to orient regional development beyond output expansion toward distributive justice, poverty reduction, productive employment, and welfare-based growth.
Co-Authors Abd Hafid Anggun Suryani Hasmal Azizi Abu Bakar Karina Kamista Nur Aliyah Rahma Saleh Nurul Faijah