Rahmansyah, Diky, Devita Veronika Saputri, Zathu Restie Utami, and Yuanyuan Wang. “The Role of Sharia Financial Innovation and Literacy for MSME Actors in Increasing Profitability”. Sharia Oikonomia Law Journal 1, no. 2 (August 6, 2023): 126–135. Accessed July 5, 2025. https://www.journal.ypidathu.or.id/index.php/solj/article/view/176.