What does this research mean for the field?

Islamic personality and Sharia financial literacy positively influence financing eligibility assessment for Muslim business actors in Micro and Small Enterprises (MSEs). Novelty: ClaimNovelty.NOVEL_FINDING. Consensus alignment: ConsensusAlignment.NEUTRAL.

What question did this study set out to answer?

The study aims to explore how Islamic personality and Sharia financial literacy affect financing eligibility in MSEs.

March 7, 2026Maliki Islamic Economics JournalOpen Access

Sharia-Based Financing Eligibility Assessment for Muslim Business Actors in the Micro and Small Enterprises (MSEs)

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Authors

AMAbul MawahibIslamic University ASAlim Syariati MMMustakim MuchlisIslamic University

Discussion

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Implication

This research examines financing eligibility in MSEs using Islamic personality and financial literacy, suggesting key relationships.

Key Points

The study aims to explore how Islamic personality and Sharia financial literacy affect financing eligibility in MSEs.
Distributed questionnaires to Muslim business owners in Makassar City
Sample size of 220 respondents using purposive sampling
Data analyzed using Structural Equation Model–Partial Least Squares (SEM-PLS) approach
Islamic personality has a positive and significant effect on financing eligibility assessment
Sharia financial literacy positively influences financing eligibility assessment
Islamic appraisal has a positive but insignificant effect on financing eligibility
Islamic appraisal positively moderates the effect of Islamic personality on financing eligibility assessment

Cite This Study

Mawahib et al. (2025) studied this question.

synapsesocial.com/papers/69abc0925af8044f7a4e93f6 https://doi.org/10.18860/miec.v5i2.35448

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Sharia-Based Financing Eligibility Assessment for Muslim Business Actors in the Micro and Small Enterprises (MSEs)

Discussion

Member takes

Implication

Key Points

Cite This Study

Sharia-Based Financing Eligibility Assessment for Muslim Business Actors in the Micro and Small Enterprises (MSEs)

Discussion

Member takes

Implication

Key Points

Cite This Study

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