Kamaruddin, Nasrullah Bin Sapa, Hasbiullah Hasbiullah, and Trimulato Trimulato. “Integrasi Perbankan Syariah Dan Fintech Syariah Pengembangan UMKM”. Al-Buhuts 17, no. 2 (December 15, 2021): 177–197. Accessed August 24, 2025. https://journal.iaingorontalo.ac.id/index.php/ab/article/view/2325.