Maya Damayanti , S. ., Sutardi , A. ., Aswin Rahadi , R. ., Mentari Putri , A. ., Nadhira Aliya Putri , A. ., & Hanifan , R. . (2026). Convergent Microfinance Strategy: Combining Fintech and Conventional Methods to Enhance Rural Financial. Qubahan Academic Journal, 6(1), 29–46. https://doi.org/10.48161/qaj.v6n1a2076