Shodiq, Ricky Jafar, and Ahmad Fauzan Mubarok. “Tantangan Perbankan Syariah Dalam Pemberdayaan UMKM Di Indonesia”. PESHUM : Jurnal Pendidikan, Sosial dan Humaniora 4, no. 3 (March 28, 2025): 4130–4135. Accessed November 17, 2025. https://ulilalbabinstitute.id/index.php/PESHUM/article/view/8664.