Tujuan studi ini untuk menguji apakah ada korelasi signifikan antara pembiayaan bank syariah, belanja pemerintah fungsi pendidikan dan kesehatan, dan pertumbuhan ekonomi terhadap tingkat kemiskinan di Kota Ternate. Observasi dimulai tahun 2011 hingga 2019. Hasil estimasi dengan menggunakan metode OLS membuktikan bahawa ada korelasi negatif dan signifikan pada variabel IBF (Pembiayaan Bank Syariah) dan BP (Belanja Pemerintah Fungsi Pendidikan). Untuk variabel BK (Belanja Pemerintah Fungsi Kesehatan) meskipun memiliki korelasi negatif, namun belum signifikan mereduksi kemiskinan. Hasil berbeda terjadi pada pertumbuhan ekonomi (G) yang secara teoritis akan menciptakan kesempatan kerja baru, secara empiris tidak memberikan manfaat langsung kepada kaum miskin, justru menambah jumlah orang miskin baru.
This research studies the relationship between Islamic bank financing and Indonesia's economic growth from 2017:1 to 2019:12. The analytical approach used is the Autoregressive Distributed Lag (ARDL) model, which can show the dynamics of short and long terms relationships. Also using the Granger causality test to study the relationship of causality between research variables. ARDL estimation results show the independent variable: Total Financing (TF), Mudharabah (PLS), and Murabahah (PMH)  are proven to have long-term co-integration or in the long term move together in influencing Indonesia's economic growth (GDP). These three variables also have a dynamic short-term relationship with an adjustment speed of 52.47 percent per month. Furthermore, the Granger causality test results indicate that a supply-following relationship, economic growth affect the financing of Islamic banks in Indonesia. The vital record from this research is Islamic Banking intermediation empirically contributes directly to create economic growth justly, even though it still in a limited section.Â
People's preference for saving in islamic banks can be determined by how much they know or understand about islamic banks and services, as well as how easily they can access islamic banking, and how much this influences their interest in Bacan District. Multiple linear regression has been used to determine the impact of knowledge on people's interest in saving money at islamic banks there. The findings revealed that the knowledge component (P1), which had a probability value of 0.00%, had a substantial impact. The study's findings on the service variable (P2) indicate that there is a lack of public interest in saving in islamic banks, with a likelihood value of 0.87%. The findings disprove the idea that low public interest in saving at islamic banks is a result of poor service. According to earlier research by Maysaroh (2014), location factors have a significant impact on customers' decisions, however the impact is not very strong. In contrast to earlier studies, the findings of which are invariably significant, this study. The location variable (P3) had no statistically significant impact. Despite being easily accessible and including security indications and location techniques, P3 remains the most prominent signal. Additionally, islamic banks must make islamic banking systems and products available to the general public in order to gauge that population's interest in islamic banks. Keywords: Interests; Islamic Banking; Bacan.
scite is a Brooklyn-based organization that helps researchers better discover and understand research articles through Smart Citations–citations that display the context of the citation and describe whether the article provides supporting or contrasting evidence. scite is used by students and researchers from around the world and is funded in part by the National Science Foundation and the National Institute on Drug Abuse of the National Institutes of Health.
hi@scite.ai
10624 S. Eastern Ave., Ste. A-614
Henderson, NV 89052, USA
Copyright © 2024 scite LLC. All rights reserved.
Made with 💙 for researchers
Part of the Research Solutions Family.