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This is a Quantitative Study study.

September 23, 2025Banks and Bank SystemsOpen Access

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

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Financial literacy significantly impacts the sustainability of msmes in Indonesia, enhancing their resilience.
Shariah banking fintech has a direct, though minor, effect on enhancing msme sustainability, contributing to economic growth.
Governance in shariah banking positively influences msmes, indicating the need for robust frameworks to support business endurance.
Financial inclusion directly aids sustainability, while financial literacy mediates the effects of shariah banking fintech and governance.

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Research demonstrates financial literacy and shariah banking fintech enhance msmes in Indonesia, suggesting improved governance is vital.

Rokhlinasari et al. (2025) studied this question.

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