Putra, Aditya Halim Perdana Kusuma, Rosmaladewi Talli, and Izki Fikriani Amir. 2026. “Catalyzing Change: Community-Driven Financial Initiatives for SME Development”. Golden Ratio of Community Services and Dedication 6 (2):232-42. https://doi.org/10.52970/grcsd.v6i2.586.