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All Journal Natuja: Jurnal Ekonomi Syariah
Lutfiatun Hasanah
Sekolah Tinggi Agama Islam Al Utsmani, Bondowoso, Indonesia
Economics, Econometrics & Finance

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PERAN BANK KONVENSIONAL DALAM MENDONGKRAK PEREKONOMIAN DESA PADA PEMBIAYAAN UMKM DALAM KAJIAN EKONOMI SYARIAH Lutfiatun Hasanah; Ita Marianingsih
NATUJA: Jurnal Ekonomi Syariah Vol. 4 No. 2 (2025): (Mei 2025)
Publisher : Department of Sharia Economics, Faculty of Islamic Economics and Business, Universitas Islam Ibrahimy Banyuwangi, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69552/natuja.v4i2.3401

Abstract

The lack of Sharia economic literacy among rural MSME actors is one of the main reasons for their preference toward loans from conventional banks over Sharia-compliant financing. Limited understanding of the concept of riba (usury), Sharia contractual principles (akad), the easier access to conventional banking services, and the absence of structured Islamic financial education have further reinforced the dependence of MSMEs on interest-based financial systems. This study aims to analyze the level of Sharia economic literacy among rural MSME actors, identify the influencing factors, and formulate strategies to enhance awareness and access to Islamic financing in rural areas. Using a descriptive qualitative approach, this research is expected to contribute to the formulation of educational and inclusive policies that support the transition of MSMEs toward financing systems aligned with Sharia principles.
Co-Authors Ita Marianingsih