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September 10, 2025Al-Amwal Jurnal Ekonomi dan Perbankan Syari ahOpen Access

Sharia Fintech as an Alternative to MSME Financing Based on Islamic Ethics

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Authors

RPR. Deceu Berlian PurnamaQAQumi AndziriIRIrwan Ruswandi

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Overview

Explores sharia fintech's impact on financial inclusion for MSMEs, suggesting regulatory improvements needed.

Key Points

  • Sharia fintech can enhance access to financing for MSMEs in compliance with Islamic principles.
  • This approach avoids riba and gharar, promoting profit-sharing solutions that benefit small enterprises.
  • The study employs qualitative and quantitative analysis to assess the potential of sharia fintech in Indonesia.
  • A clear regulatory framework and improved digital literacy among MSMEs are crucial for maximizing benefits.

Cite This Study

Purnama et al. (2025) studied this question.

synapsesocial.com/papers/68c243f6b210217d647a910ahttps://doi.org/10.69768/ja.v3i2.31
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