Financing Risk Management in Ultra Micro Islamic Finance: The Role of Joint Liability at PNM Mekaar Syariah Surabaya Branch. Journal of Sustainable and Economic Management, [S. l.], v. 1, n. 2, p. 134–143, 2026. Disponível em: https://josem.adicita.org/josem/article/view/16. Acesso em: 24 sep. 2026.