Potential of Islamic Finance as Alternative Financing Option for SMEs
Bibliographic record
Abstract
This study aims at investigating the potential of Isl?mic finance as an alternative to the financing problem faced by companies operating as Small and Medium Enterprises (SMEs). Isl?mic finance is a sector that continues to develop. In addition, finance and markets are important in terms of their impact on the real sector. Addressing the impact of Isl?mic finance on these two situations not only reveals the basic motivation and necessity of the study but also emphasizes the originality and importance of filling the gap in the literature. Questionnaire forms were applied to 400 randomly selected SMEs operating in the provinces of Istanbul, Kocaeli, Sakarya, Bursa, Yalova, and Çanakkale by face-to-face survey technique. Explanatory and confirmatory factor analyses were applied to the scale within the scope of construct validity. Exploratory factor analysis determined that the scale has a 6-factor structure that explains approximately 76% of the scale. Therefore, it has been determined that the potential of Isl?mic finance as an alternative to SMEs has six dimensions. These dimensions are determined as Alternatives in terms of Personal Value Judgments, Sectoral Suitability, Financing Policies and Opportunities, Accessibility, Cost, and Access to Finance.
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How this classification was reachedexpand
Full frame machine prediction
Teacher imitationNot calibrated prevalence, not ground truth. Human validation pending. The Gemma side is a direct model label for every work in the frame, read from the title-only record. The Codex side is a classifier learned from the 10,348 direct Codex labels and calibrated to design-weighted sample rates; fields without enough sample support carry no Codex call. Candidate is the union of the two sides; consensus is their intersection. These outputs are machine_predicted_unvalidated and are not human labels.
Distilled classifier scores by category (both heads)
| Category | Codex | Gemma |
|---|---|---|
| Metaresearch | 0.002 | 0.004 |
| Meta-epidemiology (narrow) | 0.000 | 0.000 |
| Meta-epidemiology (broad) | 0.000 | 0.000 |
| Bibliometrics | 0.001 | 0.001 |
| Science and technology studies | 0.001 | 0.001 |
| Scholarly communication | 0.004 | 0.002 |
| Open science | 0.000 | 0.002 |
| Research integrity | 0.001 | 0.000 |
| Insufficient payload (model declined to judge) | 0.007 | 0.000 |
Machine scores (provisional)
The two teacher heads of the student model, read on this work. A score orders the frame for review; it never asserts a category, and the validation status ships verbatim with every row.
Baseline scores from an immature model (maturity gate not passed, 7 training rounds). Scores rank; they never assert a category.
score_only:v0-immature-baseline · verbatim from the scoring run: score_only means the number may rank works, and no category label ships from itClassification
machine, unvalidatedMachine predicted; a candidate call from one source (direct Gemma or distilled Codex), not a consensus.
How this classification was reached, model by model and score by score, is at the end of the page under "How this classification was reached".