G. Wiyandarini, M. Hariani, and R. Mardikaningsih, “Community-based Institutional Financing Model through Cooperatives for Micro and Small Enterprises”, Journal of Social Science Studies, vol. 1, no. 1, pp. 263–268, Jan. 2021, Accessed: Jan. 27, 2026. [Online]. Available: https://jos3journals.id/index.php/jos3/article/view/110