Rukoyah, Siti, and Encep Saepudin. “Enhancing Financial Independence of Micro and Small Enterprises Fostered by BMT Dana Mentari Muhammadiyah in Purwokerto”. Airlangga Journal of Innovation Management 6, no. 2 (June 28, 2025): 394–412. Accessed July 12, 2025. https://e-journal.unair.ac.id/AJIM/article/view/72447.