maulana, hartomi, and Khoirul Umam. “Identifying Financial Exclusion and Islamic Microfinance As An Alternative to Enhance Financial Inclusion”. International Journal of Islamic Business and Economics (IJIBEC) 1, no. 2 (December 1, 2017): 99–116. Accessed April 29, 2024. https://e-journal.uingusdur.ac.id/Ijibec/article/view/1004.