June 27, 2025

Perceptions and Practices of Sharia-Based Finance in Post-Pandemic MSMEs: A Qualitative Study in Urban-Rural Areas

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Qualitative study reveals urban MSMEs embrace Islamic finance, suggesting challenges in rural adoption due to access barriers.

Islamic financial education appears higher among urban MSMEs, leading to more frequent utilization of sharia-based products.
Urban MSME players display better access to murabaha financing, indicating disparities in financial literacy across regions.
Qualitative exploration reveals community trust is pivotal in rural MSME financial practices, yet access to formal finance remains limited.
This research highlights that effective financial inclusion strategies must consider local contexts and structural challenges inherent in MSMEs.

Ela et al. (2025) studied this question.

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