Muhari, S., M. . Nadratuzzaman Hosen, and Y. . Djamaluddin Sanrego. “Islamic Micro-Banking Model With a Target Market of Ultra-Micro Enterprises (case Study of BTPN Syariah)”. Jurnal Paradigma Ekonomika, vol. 19, no. 2, June 2024, pp. 320-3, https://online-journal.unja.ac.id/paradigma/article/view/34798.