S. . Maya Damayanti, A. . Sutardi, R. . Aswin Rahadi, A. . Mentari Putri, A. . Nadhira Aliya Putri, and R. . Hanifan, “Convergent Microfinance Strategy: Combining Fintech and Conventional Methods to Enhance Rural Financial”, QAJ, vol. 6, no. 1, pp. 29–46, Jan. 2026.