What question did this study set out to answer?

To examine how Islamic financial literacy and religiosity affect MSMEs' decisions to apply for KUR financing.

March 8, 2026AL-ARBAH Journal of Islamic Finance and BankingOpen Access

Sharia Financial Literacy, Religiosity, and MSME Loan Decisions at BSI in Genteng District

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Authors

DHDita Nazillatul HidayahUniversitas Jember RARachmania Nurul Fitri AmijayaUniversitas Jember MSMoch. Shulthoni

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Implication

Quantitative analysis reveals Islamic financial literacy and religiosity significantly influence MSMEs' KUR loan applications, suggesting enhanced financial education boosts access.

Key Points

To examine how Islamic financial literacy and religiosity affect MSMEs' decisions to apply for KUR financing.
Quantitative approach using logistic regression analysis
Sample of 100 MSME owners with at least 6 months of business experience
Focus on Genteng District, Banyuwangi Regency
Islamic financial literacy positively influences the decision to apply for KUR
Religiosity significantly impacts KUR application decisions among MSMEs
Findings suggest improved financial literacy and sharia values can enhance access to financing

Cite This Study

Hidayah et al. (2026) studied this question.

synapsesocial.com/papers/69ada8b2bc08abd80d5bbe27 https://doi.org/10.21580/al-arbah.2026.8.1.30694

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Implication

Quantitative analysis reveals Islamic financial literacy and religiosity significantly influence MSMEs' KUR loan applications, suggesting enhanced financial education boosts access.

Sharia Financial Literacy, Religiosity, and MSME Loan Decisions at BSI in Genteng District

Discussion

Member takes

Implication

Key Points

Cite This Study

Sharia Financial Literacy, Religiosity, and MSME Loan Decisions at BSI in Genteng District

Discussion

Member takes

Implication

Key Points

Cite This Study

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