Emriana Parapat, Muhammad Syahbudi, & Nurwani. (2025). Strategy Model For Improving Sharia Financing For Empowering UMKM Fostered By PNM In South Labuhan Batu, North Sumatera. Al-Kharaj: Journal of Islamic Economic and Business, 7(1). https://doi.org/10.24256/kharaj.v6i4.6426