Firdaus, Cecep Bryan. “Building Financially Sustainable MSMEs: Sequenced Capability Bundles That Cut APR, Lift Liquidity, and Truncate Downside Risk”. Central Community Development Journal 4, no. 2 (December 30, 2024): 18–26. Accessed February 4, 2026. https://www.journal.privietlab.org/index.php/CCDJ/article/view/810.