NOVIANTO, . . A. S. .; PRATIKTO, . . H. .; SOETJIPTO, . . B. E. .; DJATMIKA, E. T. . Adoption of Islamic financing: The case of MSMEs in Indonesia . The Economics and Finance Letters, [S. l.], v. 12, n. 3, p. 498–509, 2025. DOI: 10.18488/29.v12i3.4271. Disponível em: https://archive.conscientiabeam.com/index.php/29/article/view/4271. Acesso em: 5 dec. 2025.