Hartutik, Hartutik, et al. “The The Transformation of the Role of Sharia Microfinance Institutions in Improving the Quality of Life of the Community: Empirical Evidence from BMTS in South Tangerang”. SERAMBI: Jurnal Ekonomi Manajemen Dan Bisnis Islam, vol. 8, no. 2, Aug. 2026, pp. 131-44, doi:10.36407/serambi.v8i2.1841.