AYU, H. D.; HASANAH, I. T.; JOHARI, M. D.; ALMUTAWALI, N. A.; SUHENDI, S. Studi Fenomenologi Pengelolaan Keuangan UMKM melalui Sistem Budgeting Berbasis Filantropi Islam. SCIENTIFIC JOURNAL OF REFLECTION : Economic, Accounting, Management and Business, [S. l.], v. 9, n. 3, p. 1042-1050, 2026. DOI: 10.37481/sjr.v9i3.1518. Disponível em: https://ojspustek.org/index.php/SJR/article/view/1518. Acesso em: 7 oct. 2026.