Purpose

The study aims is to examine the determinant factors of small and medium enterprises’ (SMEs’) intention to adopt the Islamic crowdfunding model as alternative sources of finance.

Design/methodology/approach

Using a survey questionnaire, 385 responses were received from owners and managers of SMEs in three states (Kano, Kaduna and Katsina) of northwestern Nigeria and analyses using PLS-SEM 3.0 software.

Findings

All hypotheses were found to be significant.

Research limitations/implications

The research focused only on northwestern Nigeria; there is a need for further research to focus on other geographical zones in Nigeria.

Practical implications

Crowd funders and policymakers can use these findings to enable the adoption of the Islamic crowdfunding model.

Originality/value

The previous study has not examined the role of technology acceptance model in the adoption of the financial model; these findings contribute to the crowdfunding literature by filling this gap.

中文翻译：

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决定在尼日利亚西北部采用伊斯兰众筹模式的中小型企业的决定因素

目的

这项研究的目的是研究决定中小企业采用伊斯兰众筹模式作为替代资金来源的意图的决定性因素。

设计/方法/方法

使用调查问卷，从尼日利亚西北三个州（卡诺，卡杜纳和卡其那）的中小型企业所有者和管理者那里收到385份答复，并使用PLS-SEM 3.0软件进行了分析。

发现

发现所有假设都是有意义的。

研究局限/意义

该研究仅针对尼日利亚西北部。有必要进行进一步的研究，以关注尼日利亚的其他地理区域。

实际影响

众筹者和决策者可以利用这些发现来支持采用伊斯兰众筹模式。

创意/价值

先前的研究没有研究技术接受模型在采用财务模型中的作用。这些发现填补了这一空白，为众筹文献做出了贡献。