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All Journal Al-Muamalat: Jurnal Hukum dan Ekonomi Syari'ah International Journal of Management and Business Economics
Arifa Pratami
Universitas Islam Sumatera Utara, Medan, Indonesia
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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Pertumbuhan Ekonomi dan Kesejahteraan Umat: Telaah Integratif antara Indikator Pendapatan Nasional dan Prinsip Ekonomi Syariah Arifa Pratami; Ismail Ismail; Nurhudawi Nurhudawi; Annisa Aulia
Al-Muamalat Jurnal Hukum dan Ekonomi Syariah Vol. 10 No. 2 (2025): Al-Muamalat: Jurnal Hukum dan Ekonomi Syari'ah
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/muamalat.v10i2.13095

Abstract

This study aims to analyze the relationship between economic growth and community welfare through an integrative approach that combines national income indicators with Islamic economic principles based on maqasid al-shariah. This article constitutes a library-based study employing a qualitative approach, with descriptive analysis as the primary methodology. The findings indicate that conventional economic growth indicators such as Gross Domestic Product (GDP), Gross National Product (GNP), and per capita income do not fully reflect comprehensive community welfare, as they tend to overlook dimensions of distributive justice, ethics, and social benefit. The integration of macroeconomic indicators with maqasid al-shariah–based welfare parameters is therefore considered capable of providing a more holistic, inclusive, and welfare-oriented framework for development evaluation, aimed at achieving falah for the community.
The Nexus Between Islamic Bank Financing For Msmes and Regional Poverty Reduction: Evidence From Indonesia Arifa Pratami; Purwanto
International Journal of Management and Business Economics Vol. 4 No. 3 (2026): June
Publisher : CV Putra Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58540/ijmebe.v4i3.1587

Abstract

This study examines the nexus between Islamic bank financing and regional poverty reduction in Indonesia, addressing the critical gap in evidence-based policy during the post-pandemic recovery. Utilizing a balanced panel dataset of 33 provinces from 2020 to 2024, the research employs a Fixed Effect Model (FEM) with Cluster-Robust Standard Errors to ensure empirical rigor. The results demonstrate that while total Islamic financing significantly reduces poverty rates—confirming its role in wealth redistribution Islamic MSME financing exhibits a significant positive correlation. Rather than indicating intermediation failure, this study clarifies that such results reflect a strategic pro-poor targeting phenomenon, where Islamic financial institutions proactively penetrate high-poverty regions to fulfill their social inclusion mandate. Furthermore, the findings reveal a fiscal-monetary divergence, where regional government expenditure shows persistent inefficiencies in contrast to the positive externalities of population agglomeration. This study contributes to the literature by providing a nuanced understanding of the dual-objective nature of Islamic banking and offers a novel framework for integrating Sharia-based financial inclusion with regional development strategies. The findings provide a mandate for policymakers to synchronize fiscal allocations with Islamic financial ecosystems to foster sustainable economic independence.
Co-Authors Annisa Aulia Ismail Ismail Nurhudawi Nurhudawi Purwanto