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All Journal Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi (JEBMAK) Indonesian Journal of Multidisciplinary Sciences
Dolly Tanzil
Unknown Affiliation
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Peran Lembaga Keuangan Syariah dalam Penyerapan Tenaga Kerja di Pulau Sumatera Muhammad Bahrul Ulum; Nugraha Pratama; Dolly Tanzil
Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi Vol. 5 No. 1 (2026): Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi
Publisher : CV. Picmotiv

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61930/jebmak.v5i1.1455

Abstract

This study aims to analyze the role of financing provided by Islamic financial institutions in labor absorption on Sumatra Island. The research employs a quantitative approach using panel data covering ten provinces in Sumatra Island during the period 2022–2024. The data are obtained from the Financial Services Authority and Statistics Indonesia and analyzed using panel data regression with the Fixed Effect Model. The results show that, simultaneously, financing provided by Islamic Commercial Banks (BUS), Islamic Business Units (UUS), and Islamic Rural Banks (BPRS) has a significant effect on labor absorption. However, partially, only financing from Islamic Business Units (UUS) has a positive and significant effect on labor absorption, while financing from BUS and BPRS shows a positive but insignificant effect. These findings indicate that UUS financing is more effective in promoting job creation due to its strong linkage with the real sector and micro, small, and medium enterprises, which are predominantly labor-intensive.
Peran Lembaga Keuangan Syariah dalam Penyerapan Tenaga Kerja di Pulau Sumatera Muhammad Bahrul Ulum; Nugraha Pratama; Dolly Tanzil
Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi Vol. 5 No. 1 (2026): Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi
Publisher : CV. Picmotiv

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61930/jebmak.v5i1.1455

Abstract

This study aims to analyze the role of financing provided by Islamic financial institutions in labor absorption on Sumatra Island. The research employs a quantitative approach using panel data covering ten provinces in Sumatra Island during the period 2022–2024. The data are obtained from the Financial Services Authority and Statistics Indonesia and analyzed using panel data regression with the Fixed Effect Model. The results show that, simultaneously, financing provided by Islamic Commercial Banks (BUS), Islamic Business Units (UUS), and Islamic Rural Banks (BPRS) has a significant effect on labor absorption. However, partially, only financing from Islamic Business Units (UUS) has a positive and significant effect on labor absorption, while financing from BUS and BPRS shows a positive but insignificant effect. These findings indicate that UUS financing is more effective in promoting job creation due to its strong linkage with the real sector and micro, small, and medium enterprises, which are predominantly labor-intensive.
Strategic Variables in Sustainable Halal Tourism Village Economic Development: A MICMAC Analysis Puspa Utami; Ahmad Syaifullah; Dolly Tanzil; Imam Asngari
Indonesian Journal of Multidisciplinary Sciences (IJoMS) Vol. 5 No. 1 (2026): Indonesian Journal of Multidisciplinary Sciences (IJoMS)
Publisher : CV. Era Digital Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59066/ijoms.v5i1.2352

Abstract

The novelty of this study lies in its methodological contribution through the application of MICMAC (Matrix of Cross-Impact Multiplication Applied to Classification) structural analysis in the context of sustainable halal tourism village development in Indonesia, an approach that remains rarely explored in previous halal tourism and rural development studies. Unlike conventional approaches such as descriptive analysis or SWOT analysis, this study employs MICMAC to systematically map the direct and indirect influence-dependence relationships among strategic variables within a complex rural tourism system. This study contributes by developing an integrated structural framework that simultaneously incorporates rural economic development, halal tourism principles, institutional governance, community participation, digitalization, environmental sustainability, and local cultural preservation. Through MICMAC analysis, the study is able to identify key driving variables, relay variables, dependent variables, and autonomous variables, thereby providing a more comprehensive understanding of the causal structure underlying sustainable halal tourism village development. Methodologically, this study demonstrates that MICMAC analysis can serve as an effective strategic policy tool for identifying priority intervention areas in complex village-based tourism systems. The findings provide a more systematic and evidence-based foundation for policymakers in designing phased and sustainable halal tourism village development strategies in Indonesia.
Co-Authors Ahmad Syaifullah Imam Asngari Muhammad Bahrul Ulum Nugraha Pratama Puspa Utami