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Moreover, findings of this study suggest that SME entrepreneurs should extend practices of Islamic work ethics to employees, customers, vendors, partners and the communities by building a positive environment founded on trust and commitment. The originality of the paper regards the way it addresses simultaneously IC and IWE, such related concepts.

SME entrepreneurs must realise on the need to maintain a competitive advantage and enhance the opportunity to create profitability through extracting value from IC and IWE. For the interview session, three entrepreneurs (regarded as the key informants) provided a deeper understanding on how IC and IWE had managed to influence SME Business Performance. The qualitative results were obtained from documents. Based on a qualitative study, the results provide support to SME entrepreneurs to understand the effects of IC and IWE on business performance and facilitate them in making the right decision. This paper explores the effect of intellectual capital (IC) and Islamic Work Ethics (IWE) on Small and Medium Enterprise (SME) business performance.

In essence, this study reveals that there is a need for further research to discover new insights on strategies and factors in Islamic finance and enhance business performance of Bumiputera SMEs in Malaysia.

If empirically supported, the proposed framework may provide an effective alternative in assisting Bumiputera SMEs to delve into information pertaining to Islamic financing for a better decision making on their capital financing or bank-related business transaction activities. However, only a handful of studies are analysing these correlations. The literature reveals that there are positive relationships among strategies, factors and Bumiputera SMEs’ business performance. The aim of this study is to investigate the relationship between the strategies (networking, branding) and factors in Islamic finance (the financial assistance and flexibility provided by Islamic banks) on Bumiputera SMEs’ performance. This paper intends to fill the gap between factors in Islamic finance and Bumiputera SME business performance by analysing and understanding comprehensive literatures on the subject in question. In fulfilling the business requirements for capital financing, most of the SMEs in Malaysia are getting their financing from banking institutions, either in the form of Islamic or conventional financing. Even though the government has invested in various programs and initiatives to enhance Bumiputera SMEs’ business performance, it is still bearing poorly as opposed to that of other ethnic groups. Malaysia is emphasizing on developing Bumiputera SMEs as they are, among others, the main contributors to the country’s GDP.

Kertas kerja gotong royong rumah anak yatim