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Pengaruh perbankan syariah dan inflasi terhadap pertumbuhan ekonomi di Indonesia

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  • Martha Yuliana
  • Achmad Tohirin

Abstract

Purpose – This study aims to analyze the influence of assets, working capital financing, investment financing, consumption financing, Third Party Funds (DPK) and inflation on Indonesia's economic growth in 2015-2023.Methods – This study uses secondary data from 33 provinces in Indonesia in 2015-2023, and is analyzed by regression panel data using the Random Effect Model (REM).Findings – The results of this study show that consumption financing, Third Party Funds (DPK) and inflation have a significant positive influence on economic growth and assets and working capital financing have a significant negative influence. Meanwhile, investment financing has no significant effect on economic growth. Implication – This research indicates that optimizing consumption financing and managing Third Party Funds (DPK) in Islamic banking can be an effective strategy to encourage economic growth in Indonesia. Inflation stability also needs to be maintained so that the positive effects on the economy remain sustainable.Originality – This study presents the latest empirical analysis with cross-provincial and annual data coverage, and combines key variables in Islamic banking and inflation to explain economic growth in Indonesia. AbstrakTujuan – Penelitian ini bertujuan untuk menganalisis pengaruh aset, pembiayaan modal kerja, pembiayaan investasi, pembiayaan konsumsi, Dana Pihak Ketiga (DPK) dan inflasi terhadap pertumbuhan ekonomi Indonesia tahun 2015-2023.Metode – Penelitian ini menggunakan data sekunder dari 33 provinsi di Indonesia tahun 2015-2023, dan dianalisis dengan regresi data panel menggunakan Random Effect Model (REM).Temuan – Hasil penelitian ini menunjukkan bahwa pembiayaan konsumsi, Dana Pihak Ketiga (DPK) dan inflasi memiliki pengaruh positif signifikan terhadap pertumbuhan ekonomi serta aset dan pembiayaan modal kerja memiliki pengaruh negatif signifikan. Sementara itu, pembiayaan investasi tidak berpengaruh signifikan terhadap pertumbuhan ekonomi. Implikasi – Penelitian ini mengindikasikan bahwa optimalisasi pembiayaan konsumsi dan pengelolaan Dana Pihak Ketiga (DPK) dalam perbankan syariah dapat menjadi strategi efektif untuk mendorong pertumbuhan ekonomi di Indonesia. Stabilitas inflasi juga perlu dijaga agar efek positif terhadap ekonomi tetap berkelanjutan.Orisinalitas – Penelitian ini menyajikan analisis empiris terbaru dengan cakupan data lintas provinsi dan tahun, serta menggabungkan variabel-variabel kunci dalam perbankan syariah dan inflasi untuk menjelaskan pertumbuhan ekonomi di Indonesia.

Suggested Citation

  • Martha Yuliana & Achmad Tohirin, 2025. "Pengaruh perbankan syariah dan inflasi terhadap pertumbuhan ekonomi di Indonesia," Jurnal Kebijakan Ekonomi dan Keuangan, Jurusan Ilmu Ekonomi, Fakultas Bisnis dan Ekonomika, Universitas Islam Indonesia, vol. 4(1), pages 85-93.
    • Handle: RePEc:uii:jrjkek:v:4:y:2025:i:1:p:85-93:id:42881
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