Integrating iTCB and DOI: A Conceptual Framework for Islamic Financing Adoption among Indonesian Micro and Small Enterprises

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Education, Justice, and Welfare positively influence willingness to apply islamic financing, which affects MSE participation.
Relative advantage was found insignificant, with religious satisfaction moderating the impact based on spiritual fulfillment.
Integrates islamic theory of consumer behaviour and diffusion of innovation to address a gap in existing research.
Offers a balanced perspective on financial decision-making in micro and small enterprises within an islamic context.

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Conceptual model highlights factors influencing islamic financing in MSEs, suggesting the role of religious satisfaction.

Saputra et al. (2025) studied this question.

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