Solihah, Solihah, and Frida Fanani Rohma. “The Pattern of Budget Slack in Sharia Microfinance Institutions: A Phenomenology Study”. Research of Finance and Banking 2, no. 2 (October 7, 2024): 64–72. Accessed July 31, 2025. https://sanscientific.com/journal/index.php/rfb/article/view/211.