Safita, D., Kahar, A., Mustamin, M. and Yuniar, L. (2026) “MSME Financial Capacity Development Model (Micro, Small, Medium Enterprises)”, Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE), 9(1), pp. 9082-9100. doi: 10.31538/iijse.v9i1.9806.