Ritonga, Bunga Dwi Fani, Saparuddin Siregar, and Maryam Batubara. 2026. “FINANCIAL INCLUSION OF MSMES THROUGH SHARIA CROWDFUNDING”. SOSIOEDUKASI : JURNAL ILMIAH ILMU PENDIDIKAN DAN SOSIAL 14 (4):4249-57. https://doi.org/10.36526/sosioedukasi.v14i4.6896.