Aris, Diba, and Lokot Zein Nasution. “Determinan Penentu Inovasi Pengembangan Pembiayaan Mikro Syariah Bagi Penguatan Daya Saing UMKM”. Islamic Circle 1, no. 2 (February 22, 2022): 152–173. Accessed August 26, 2025. https://jurnal.stain-madina.ac.id/index.php/islamiccircle/article/view/687.