Anom Garbo. “The Roles of Baitul Maal Wat Tamwil in Promoting the Diffusion of Sustainable Financing Innovation: A Narrative Review of the Sharia Business Model”. El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam 6, no. 8 (August 4, 2025): 2770 –. Accessed May 31, 2026. https://journal-laaroiba.com/ojs/index.php/elmal/article/view/8270.