Qoyum, Abdul, and Neneng Ela Fauziyyah. “The Halal Aspect and Islamic Financing Among Micro, Small, and Medium Enterpises (MSMEs) in Yogyakarta: Does Berkah Matter?”. Journal of Islamic Monetary Economics and Finance 5, no. 1 (May 16, 2019): 215–236. Accessed February 14, 2026. https://jimf-bi.org/JIMF/article/view/1055.