August 10, 2025Natuja.Open Access

Peran Bank Konvensional Dalam Mendongkrak Perekonomian Desa Pada Pembiayaan Umkm Dalam Kajian Ekonomi Syariah

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Descriptive qualitative analysis shows Sharia economic literacy impacts rural MSME financing, suggesting strategy improvements.

Sharia economic literacy among rural MSMEs is low, and influences their reliance on conventional banks for loans.
Only 40% of MSME actors understand riba or usury, leading to limited access to Sharia-compliant financing.
This descriptive qualitative approach identifies key factors affecting financial decisions and suggests educational reforms.
The study highlights the need for inclusive policies to foster a better understanding of Islamic financing options.

Hasanah et al. (2025) studied this question.

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