D. R. Nurhamda, S. Siregar, and M. I. Harahap, “Four Pillars of Sharia Microfinance Institution Development: Empat Pilar Pengembangan Lembaga Keuangan Mikro Syariah”, acopen, vol. 10, no. 2, p. 10.21070/acopen.10.2025.11948, Aug. 2025.