Business Resilience of MSMEs Based on Religious Values in Facing Global Economic Uncertainty
Keywords:
Business Resilience, MSMEs, Religious Values, Spiritual Capital, Economic UncertaintyAbstract
Micro, small, and medium enterprises (MSMEs) constitute the backbone of many developing economies, yet remain acutely vulnerable to global uncertainty from pandemics, geopolitical conflict, inflation, and supply-chain disruption. While conventional resilience models emphasize financial buffers, dynamic capability, and digital transformation, emerging literature suggests religious values serve as a culturally embedded resource shaping risk interpretation, resource allocation, and commitment during crises. This study examines how religious values are internalized and operationalized as MSME resilience strategies amid economic uncertainty. Using a qualitative descriptive design based on a systematic literature review of Sinta and Scopus indexed publications, the study synthesizes three themes: religious values as psychological and behavioral resources for resilience; faith-based financial and social practices, such as zakat, infaq, and sadaqah, as adaptive economic strategies; and religious values' interaction with dynamic or digital capabilities sustaining MSMEs. Results indicate that religious values, including tawakkul (trust in God), sabr (patience), and honesty, do not replace market-based resilience mechanisms but reinforce them by strengthening psychological endurance, moral discipline in financial management, and social solidarity networks. The study contributes a conceptual synthesis positioning religiosity as complementary to MSME resilience theory, with implications for policymakers, religious philanthropic institutions, and MSME development programs in religiously embedded economies like Indonesia.
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