Universitas Islam Negeri Alauddin Makassar Proceedings, The 1st International Conference on Science and Islamic Studies (ICOSIS-2023)

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The effect of sharia bank financing on micro, small, and medium enterprises and poverty in Polewali Mandar Regency, West Sulawesi province
Zulkifli Zulkifli, Muslimin A. Kara, Amiruddin K., Basir Paly

Last modified: 2023-10-16

Abstract


This research aims to examine and analyze 1) The effect of Sharia bank financing on the number of Micro, small, and medium enterprises (MSMEs)  in Polewali Mandar Regency, West Sulawesi Province. 2). The effect of Sharia bank financing on Micro, small, and medium enterprises (MSMEs) production in Polewali Mandar Regency, West Sulawesi Province. 3). The effect of Sharia bank financing on MSMES workers in Polewali Mandar Regency, West Sulawesi Province. The data analysis technique used is linear regression analysis with 12 eviews using time series data for 2018-2022. The research results show that: 1). Sharia bank financing has a positive and significant effect on the number of MSMEs in Polewali Mandar Regency. 2). Sharia bank financing has a positive but not significant effect on the production value of MSMEs in Polewali Mandar Regency. 3). Sharia bank financing positively and significantly affects the number of MSMES workers in Polewali Mandar Regency. The implication of this research is that Sharia bank financing is a solution to the capital problem for MSMEs actors. MSMES needs sufficient business capital for business development, indicated by the increase in the number of MSMEs, MSMEs production, and MSMEs workforce.

Keywords


Financing; banking sharia; SMEs

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