Novianto, . . A. S. ., Pratikto, . . H. ., Soetjipto, . . B. E. ., & Djatmika, E. T. . (2025). Adoption of Islamic financing: The case of MSMEs in Indonesia . The Economics and Finance Letters, 12(3), 498–509. https://doi.org/10.18488/29.v12i3.4271