S. Masrohatin, H. Hasanah, I. Kusumawati, and T. K. Retnaningsih, “The Role of Financial Institutions In Financial Inclusion in the Krupuk Industry SMEs The Karangmluwo Mangli Kaliwates Community, Jember”, al. kharaj. j. islam. econ. bus., vol. 5, no. 1, Mar. 2023.