“Sharia Fintech As an Alternative to MSME Financing Based on Islamic Ethics”. AL-AMWAL: Jurnal Ekonomi dan Perbankan Syariah 3, no. 2 (August 30, 2025): 62–69. Accessed February 17, 2026. https://al-amwal.staimasi.ac.id/index.php/al-amwal/article/view/31.