Sugiharto, Bambang, H. Harkim, Jenny Ester Pandiangan, and Nickytha Linch De Hans Lumban Gaol. 2025. “The Role of Islamic Financial Technology in Strengthening MSME Resilience and Ethical Financing ”. Golden Ratio of Auditing Research 6 (1):425-35. https://doi.org/10.52970/grar.v6i1.1811.