Gano, Irwan, Daud, Al-Munip, Sayida Khoiratun Nisak, and Siti Fatimah. “Optimization of Financing in Joint Business Savings and Loan Cooperatives As a Driving Force of the Economy”. Journal of Economics and Social Sciences (JESS) 4, no. 2 (August 11, 2025): 739–748. Accessed March 4, 2026. https://journal.civiliza.org/index.php/jess/article/view/907.