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Abdul Jalil and Sitti Azizah Hamzah 2020. PENGARUH BAGI HASIL DAN KEBUTUHAN MODAL TERHADAP MINAT UMKM MENGAJUKAN PEMBIAYAAN PADA LEMBAGA KEUANGAN SYARIAH DI KOTA PALU . Jurnal Ilmu Perbankan dan Keuangan Syariah. 2, 2 (Dec. 2020), 178–198. DOI:https://doi.org/10.24239/jipsya.v2i2.31.177-197.