Ayu, H. D., Hasanah, I. T., Johari, M. D., Almutawali, N. A. and Suhendi, S. (2026) “Studi Fenomenologi Pengelolaan Keuangan UMKM melalui Sistem Budgeting Berbasis Filantropi Islam”, SCIENTIFIC JOURNAL OF REFLECTION : Economic, Accounting, Management and Business, 9(3), pp. 1042-1050. doi: 10.37481/sjr.v9i3.1518.