M. Firmansyah, M. Kalamiyah, and K. Anam, “Mudharabah Financing Stagnation in Rural Islamic Microfinance: Stagnasi Pembiayaan Mudharabah di Keuangan Mikro Syariah Pedesaan”, acopen, vol. 11, no. 1, p. 10.21070/acopen.11.2026.13390, Apr. 2026.