Pengaruh Faktor Sosial dan Faktor Ekonomi Terhadap Pemberdayaan Ekonomi Masyarakat Berbasis Kemitraan dalam Pemilihan Produk Perbankan Syariah (Studi Kasus: Petani Kecamatan Torgamba Kabupaten Labuhanbatu Selatan)

Muhammad Idris Hasibuan; Muhammad Syukri Albani

Authors

Muhammad Idris Hasibuan Universitas Islam Negeri Sumatera Utara
Muhammad Syukri Albani State Islamic University of North Sumatra, Indonesia

Keywords:

Social Factors, Economic Factors, Community Economic Empowerment, Islamic Banking, Maqashid Sharia

Abstract

This study aims to analyze the relationship between social and economic factors and the economic empowerment of farmers who are Islamic banking customers in Torgamba District, South Labuhanbatu Regency, Indonesia. This study employed a quantitative approach using a survey of 30 farmer respondents who were Islamic banking customers. The data were analyzed using multiple linear regression and relevant statistical tests. The findings indicate that social factors have a positive but statistically insignificant relationship with farmers’ economic empowerment. Similarly, economic factors show a positive but statistically insignificant relationship when examined individually. However, social and economic factors are jointly and significantly associated with economic empowerment. These findings suggest that farmers’ economic empowerment may be related to the combined influence of social and economic conditions rather than the independent contribution of either factor alone. From the perspective of Maqashid Shariah, the findings may be discussed in relation to the protection of wealth (hifz al-mal) and sustainable economic activity. However, these principles were not directly measured and are therefore presented as theoretical implications rather than empirical findings. This study recommends strengthening Islamic financial literacy, developing supportive social networks, and fostering productive partnerships between Islamic banking institutions and farmers to support sustainable economic empowerment.

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