Masrohatin, Siti, Hikmatul Hasanah, Indra Kusumawati, and Tri Kurniawati Retnaningsih. 2023. “The Role of Financial Institutions In Financial Inclusion in the Krupuk Industry SMEs The Karangmluwo Mangli Kaliwates Community, Jember”. Al-Kharaj: Journal of Islamic Economic and Business 5 (1). https://doi.org/10.24256/kharaj.v5i1.3641.