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This is a Qualitative study (also classified as: Quantitative).

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

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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.

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

Purnama et al. (2025) studied this question.

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