Atmaja RMR. Strategi Pembiayaan Inovatif PROBIYA PT. BPRS Bakti Makmur Indah bagi UMKM Sidoarjo . SER [Internet]. 2025 Apr. 14 [cited 2026 Oct. 23];1(02). Available from: https://journal.stai-almujtama.ac.id/index.php/share/article/view/116