Kurniawan, Amin. “Implementasi Tata Kelola Pembiayaan UMKM Berbasis Konsep 6C Di BMT XYZ Surabaya”. Tanzhim: Jurnal Dakwah Terprogram 4, no. 2 (Agustus 31, 2026): 423–442. Diakses September 25, 2026. https://tanzim.stidalhadid.ac.id/index.php/Tanzhim-JMD/article/view/68.