Gustini, Y. ., I. . Amaliah, and B. . Hartono. “Financial Risk Mitigation of Collateral-Free Kredit Usaha Rakyat Mikro at Bank Syariah Indonesia KCP Ujung Berung 1”. Journal of Islamic Economics Lariba, vol. 9, no. 2, Dec. 2023, pp. 353-70, doi:10.20885/jielariba.vol9.iss2.art5.