Ayu, Haerani Dewi, Itsni Tsamrotul Hasanah, Mohammad Daviq Johari, Najwa Aqila Almutawali, and Suhendi Suhendi. “Studi Fenomenologi Pengelolaan Keuangan UMKM Melalui Sistem Budgeting Berbasis Filantropi Islam”. SCIENTIFIC JOURNAL OF REFLECTION : Economic, Accounting, Management and Business 9, no. 3 (July 1, 2026): 1042-1050. Accessed October 7, 2026. https://ojspustek.org/index.php/SJR/article/view/1518.