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All Journal al-Afkar, Journal For Islamic Studies
Nur Fitriya Ningsih
Unknown Affiliation
Social Sciences

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Panel Data Analysis Study: The Impact of Indonesian Sharia Bank Financing on MSME Output Value 2021-2023 Nur Fitriya Ningsih; Muhammad Yazid
al-Afkar, Journal For Islamic Studies Vol. 8 No. 4 (2025)
Publisher : Perkumpulan Dosen Fakultas Agama Islam Indramayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31943/afkarjournal.v8i4.1778

Abstract

This study aims to analyze the effect of Bank Syariah Indonesia financing on the output value of Micro, Small, and Medium Enterprises (MSMEs) in Indonesia during the 2021-2023 period. Using a panel data approach, this study evaluates the effectiveness of Islamic financing in two main categories: working capital and investment. Data were obtained from the Central Statistics Agency (BPS) and the annual reports of Bank Syariah Indonesia. The results show that working capital financing has a significant positive effect on MSME output value, while investment financing shows a lower effect. Control variables such as Third Party Funds (DPK) and labor also have significant contributions. With a coefficient of determination of 93.04%, this study emphasizes the importance of a more inclusive Islamic financing policy focused on working capital to support MSME productivity. These results provide implications for Islamic banking and policymakers to enhance MSME development through a strategic financing approach.
Co-Authors Muhammad Yazid