<![CDATA[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.]]>
