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All Journal Sahmiyya: Jurnal Ekonomi dan Bisnis Journal of Islamic Economics and Finance
Devy Arisandi
Unknown Affiliation
Economics, Econometrics & Finance Education

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Pengaruh Jumlah Tenaga Kerja Dan Investasi Terhadap Pertumbuhan Ekonomi Dengan Zakat Sebagai Variabel Moderasi Mazroatul Hasanah; Mohammad Sholeh; Devy Arisandi
Journal Of Islamic Economics And Finance Vol 5 No 2 (2025): Vol. 5 No. 2 (2025)
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/jief.v5i2.10383

Abstract

This study aims to analyze the influence of the number of workers and investment on economic growth in Indonesia with zakat as a moderating variable during the 2020–2023 period. Using a quantitative approach, this research employs panel data obtained from BPS, BKPM, and BAZNAS, consisting of 128 observations across 32 provinces. The data were analyzed using Moderated Regression Analysis (MRA) with Eviews-10, preceded by descriptive analysis, stationarity tests, classical assumption tests, and model selection through Chow, Hausman, and LM tests. The results show that both the number of workers and investment have a significant positive effect on economic growth. Zakat is found to significantly moderate the relationship between the number of workers and economic growth, indicating that zakat distribution can enhance the contribution of labor to economic performance. However, zakat does not moderate the effect of investment on economic growth, suggesting that zakat funds are still dominantly allocated for consumptive rather than productive activities. In conclusion, strengthening zakat management, enhancing labor competence, and improving investment effectiveness are essential to support sustainable economic growth in Indonesia.  
Analisis Pembiayaan Murabahah Sebagai Instrumen Pemberdayaan UMKM di Indonesia Dimas Jaya Tri Samudra; Devy Arisandi
Sahmiyya: Jurnal Ekonomi dan Bisnis Vol 4, No 2 November 2025
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

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Abstract

Penelitian ini membahas peran pembiayaan murabahah dalam pemberdayaan UMKM di Indonesia. Dengan metode kualitatif melalui studi kepustakaan, penelitian ini menelaah literatur terkait perbankan syariah dan UMKM. Hasil menunjukkan bahwa pembiayaan murabahah mampu meningkatkan akses modal, omzet, laba, serta penyerapan tenaga kerja UMKM melalui mekanisme yang sederhana, transparan, dan bebas riba. Namun, tantangan seperti rendahnya literasi keuangan syariah dan persyaratan administratif masih menjadi kendala. Optimalisasi peran murabahah memerlukan dukungan pemerintah, lembaga keuangan, dan pelaku usaha agar UMKM dapat tumbuh berdaya saing.
Co-Authors Dimas Jaya Tri Samudra Mazroatul Hasanah Mohammad Sholeh