Main Article Content

Abstract

This study aims to analyze the role of Sharia Financial Institutions (SFIs) in promoting economic growth in Indonesia through sharia-based financing and social fund management. This study uses a descriptive qualitative method with a library research approach, which examines relevant literature, scientific journals, and official documents related to the activities and contributions of SFIs. The results of the study indicate that LKS play a significant role in promoting economic growth through interest-free financing of the real sector, empowering MSMEs, providing halal financial products and services, and managing zakat, infak, sedekah, and wakaf (ZISWAF) funds for social and economic purposes. Additionally, LKS have proven capable of expanding financial inclusion in remote areas and creating a more stable and equitable financial system. This study recommends that the government and policymakers continue to strengthen regulations, Islamic financial literacy, and support for digital innovation so that Islamic microfinance institutions can reach more segments of society and contribute more significantly to national economic development.

Keywords

Sharia Financial Institutions Sharia Economics Sharia Financing ZISWAF Economic Growth

Article Details

How to Cite
Marunta, R. A. ., Ataya, N. A. ., Pratiwi, A. ., Mustabsyirah, M., & Asisah, N. . (2025). Peran Lembaga Keuangan Syariah Dalam Mendorong Pertumbuhan Ekonomi : Studi Pustaka Berbasis Ekonomi Makro Islam. Economics and Digital Business Review, 7(1), 211–222. https://doi.org/10.37531/ecotal.v7i1.3033

References

  1. Irawan, Feri, Meci Nilam Sari, Miftakhul Huda, Mega Ilhamiwati, Parju, Desy Rahmawati Anwar, Ristiyanti Ahmadul Marunta, M. Dzul Fadli, Abd. Rizal, Rahmadi, Nurchayati, I Wayan Ruspendi Junaedi, dan Aprih Santoso. 2025. Ekonomi Syariah: Teori & Aplikasi Ekonomi Islam. Sumedang: CV. Mega Press Nusantara.
  2. Sudarsono, H. (2012). Konsep Ekonomi Islam: Suatu Pengantar. Yogyakarta: Ekonisia.
  3. Chapra, M. U. (2000). Sistem Moneter Islam. Jakarta: Gema Insani.
  4. Safi’i, A. (2020). Ekonomi Islam Kontemporer. Malang: UIN-Malang Press.
  5. Zuhaili, W. (2011). Fiqh Islam wa Adillatuhu Jilid 6. Jakarta: Gema Insani.
  6. Karim, A. A. (2019). Ekonomi Mikro Islami. Jakarta: RajaGrafindo Persada.
  7. Ascarya. (2007). Akad dan Produk Bank Syariah. Jakarta: Bank Indonesia.
  8. Beik, I. S., & Arsyianti, L. D. (2016). Ekonomi Pembangunan Syariah. Jakarta: Rajawali Pers.
  9. Ismail, A. (2011). Pengantar Ekonomi Islam. Jakarta: Kencana Prenada Media.
  10. Manan, M. A. (1997). Teori dan Praktik Ekonomi Islam. Yogyakarta: Dana Bhakti Wakaf.
  11. Antonio, M. S., & Mawardi, I. (2021). Financial inclusion through Islamic microfinance: Evidence from Indonesia. Journal of Islamic Accounting and Business Research, 12(4), 563-580.
  12. Ascarya, A., & Yumanita, D. (2020). Comparison of Islamic and conventional financial system stability in Indonesia. Journal of Islamic Monetary Economics and Finance, 6(1), 1-24.
  13. Rahmawati, R., & Saepudin, E. (2021). Peran Lembaga Keuangan Syariah dalam Meningkatkan Kesejahteraan Umat. Jurnal Ekonomi Syariah, 13(2), 98-110.
  14. Hasibuan, B. K., & Lubis, A. R. (2022). The role of Islamic financial institutions in promoting economic development in Indonesia. Journal of Islamic Economic Studies, 30(1), 44-61.
  15. Nugroho, R., & Prasetyo, A. R. (2021). Inclusive financial development in rural Indonesia: The role of BMT. International Journal of Islamic Economics and Finance Studies, 7(2), 37-56.
  16. Yulianti, I., & Aulia, M. (2023). Financing for Micro Enterprises: A Case Study of BMT in East Java. Jurnal Ilmiah Ekonomi Islam, 9(1), 1-13.
  17. Sari, D. A., & Wahyudi, S. (2021). Determinants of Profit Sharing Financing in Islamic Banks. Jurnal Keuangan dan Perbankan Syariah, 10(3), 201-216.
  18. Sudarsono, H., & Aziz, M. R. (2022). Sharia financial institutions and their role in economic equality: Empirical evidence from Indonesia. International Journal of Islamic Economics, 5(1), 78-94.
  19. Mulyani, N., & Hidayat, T. (2020). The contribution of Islamic banking to Indonesia’s economic growth. Journal of Islamic Finance and Economics, 4(2), 100-117.
  20. Wijayanti, D., & Hadi, S. (2021). Analysis of the Impact of Islamic Microfinance on Economic Empowerment. Journal of Islamic Finance and Management, 2(1), 25-38.