Nurdini, P., A. Indrawan, and E. Martaseli. “Root Cause Analysis of the Decline in Surplus Earnings at Koperasi Bina Warga in 2024”. Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE), Vol. 8, no. 3, Oct. 2025, pp. 12487-96, doi:10.31538/iijse.v8i3.7830.