Perceptions and Utilization of Islamic Financing Among Micro, Small, and Medium Enterprises (MSMEs) in Bangka Belitung: A Descriptive Qualitative Study

DOI

10.2991/978-94-6239-752-1_25How to use a DOI?

Keywords

Micro Small and Medium Enterprises (MSMEs); Islamic banking; Awareness; Perceptions; Utilization; Savings Behavior; Business Capital; Perceived Impact

Abstract

The Micro, Small and Medium Enterprises (MSMEs) play a vital role in keeping the economy afloat in the region particularly in those regions that depend on the commodity such as Bangka Belitung. Although the institutional spread of Islamic banking has occurred, there is a comparatively low level of use of Islamic financing by the MSME actors. The research at hand will study the perception and the utilization of Islamic financing by MSMEs in Bangka Belitung. The qualitative method was a descriptive one that used primary data that was gathered using questionnaires to 25 respondents who were involved in different business activities. The results show that 22 respondents know about the existence of Islamic financing products, but 15 respondents never accessed the Islamic bank financing. Meanwhile, 23 respondents save to ensure capital rotation of their business and 13 respondents consider Islamic financing very useful in development of MSME. The paper concludes that the awareness rates are rather high, yet the actual application remains low because of informational barriers and reasons associated with the level of confidence.

Copyright

© 2026 The Author(s)

Open Access

Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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TY  - CONF
AU  - Septian Azmiadi
AU  - Arif Eko Prasetyo
AU  - Devi Valeriani
AU  - Roky Apriansyah
PY  - 2026
DA  - 2026/09/04
TI  - Perceptions and Utilization of Islamic Financing Among Micro, Small, and Medium Enterprises (MSMEs) in Bangka Belitung: A Descriptive Qualitative Study
BT  - Proceedings of the9th International Conference on Business, Economics, Social Sciences & Humanities – Economics, Business and Management Track (ICOBEST-EBM 2026)
PB  - Atlantis Press
SP  - 284
EP  - 301
SN  - 2352-5428
UR  - https://doi.org/10.2991/978-94-6239-752-1_25
DO  - 10.2991/978-94-6239-752-1_25
ID  - Azmiadi2026
ER  -