Matten, D, and J. Moon. “ANALYZING INDONESIAN MSMES’ ACCESS TO ISLAMIC FINANCIAL SERVICES USING INSTITUTIONAL THEORY”. Journal of Current Practice in Accounting and Finance (JCPAF) 13, no. 2 (February 10, 2022): 1–21. Accessed June 21, 2025. https://zapjournals.com/Journals/index.php/Accounting-Finance/article/view/467.