Andi Indriani Ibrahim, Muh. Riswandi Palawa, Ahmad Kurniawan, Salda Miranti Supriadi, and Rezaldy. “Opportunities and Challenges of Business Digitalization: A Case Study of Interest Bucket MSMEs”. International Journal of Health, Economics, and Social Sciences (IJHESS) 7, no. 4 (October 15, 2025): 1836~1839. Accessed March 4, 2026. https://jurnal.unismuhpalu.ac.id/index.php/IJHESS/article/view/8879.