Pengaruh Financial Technology Syariah, Kinerja UMKM dan Penyerapan Tenaga Kerja Terhadap Pertumbuhan Ekonomi di Indonesia Dalam Perspektif Ekonomi Islam
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Risda Juniandriani
*
Universitas Islam Negeri Raden Intan Lampung, Bandar Lampung,
Indonesia
- Asriani Asriani Universitas Islam Negeri Raden Intan Lampung, Bandar Lampung, Indonesia
- Agus Kurniawan Universitas Islam Negeri Raden Intan Lampung, Bandar Lampung, Indonesia (*) Corresponding Author
Abstract
This study aims to examine the influence of Sharia Financial Technology (Fintech), the performance of Micro, Small, and Medium Enterprises (MSMEs), and the absorption of labor energy on economic growth in Indonesia for the period 2017-2025 from an Islamic economic perspective. This study uses a quantitative approach with secondary data analyzed using multiple linear regression. The test results show that the research model has an Adjusted R² value of 0.607212 (60.72%) with a Prob (F-statistic) of 0.055213. Partially, Sharia Fintech (coefficient = 0.000159, p-value = 0.3177) and MSME performance (coefficient = -0.203604, p-value = 0.5513) are proven to be insignificant and have not had a significant impact on national economic growth. From a sharia economic perspective, this is caused by low public literacy and the dominance of micro-enterprises that still focus on fulfilling basic needs (dharuriyyat) only. On the other hand, labor energy absorption (coefficient = 0.035054; p-value = 0.0155) was proven to have a positive and significant effect in driving Gross Domestic Product (GDP) by increasing people's purchasing power. This finding is in line with the principle of balance (tawazun) and fair distribution of wealth, where job creation is an important instrument in line with efforts to transfer falah (welfare in this world and the hereafter). This study provides a theoretical contribution by integrating quantitative macroeconomic data analysis into an Islamic economic evaluation framework. The contribution of this research is providing an empirical update on the post-pandemic macroeconomic transition (2017-2025) as well as establishing a policy evaluation framework based on maqashid sharia, which proves the urgency of structural transformation of MSMEs and Sharia Fintech from the dharuriyyat level (fulfilling basic needs) towards the creation of industrial-scale value added.
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