Erdem, Mahmut, and Halim Tatli. “Potential of Islamic Finance As Alternative Financing Option for SMEs”. International Journal of Economics, Management and Accounting 32, no. 2 (December 28, 2024): 377–402. Accessed August 24, 2025. https://journals.iium.edu.my/enmjournal/index.php/enmj/article/view/1190.