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September 23, 2025Banks and Bank SystemsOpen Access

Ethical finance and MSME resilience: Shariah banking contribution to Indonesia’s economic growth

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Authors

SRSri RokhlinasariIslamic UniversityRWRidwan WidagdoUniversitas 17 Agustus 1945 CirebonSISoni Agus IrwandiPerbanas Institute

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Implication

Research reveals financial literacy significantly aids MSME sustainability in Indonesia, indicating shariah banking's pivotal role.

Key Points

  • Financial literacy has the most direct impact on MSME sustainability, facilitating sound financial decisions.
  • The study found that shariah banking fintech influences MSME resilience positively, albeit minimally.
  • Results highlight the importance of governance in shariah banking for enhancing MSMEs' contributions to the economy.
  • Targeted financial literacy campaigns may significantly bolster the resilience of Indonesia's MSMEs.

Cite This Study

Rokhlinasari et al. (2025) studied this question.

synapsesocial.com/papers/68d440a6713b0b5dfea7fe2bhttps://doi.org/10.21511/bbs.20(3).2025.07
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Also Consider

Synapse has enriched one closely related paper. Consider it for comparative context:

  1. 1Financial Behavior, Inclusion, and Technology in MSMEs: The Mediating Impact of Financial Literacy on Performance2024 · 2 citations