“DETERMINANT FACTORS OF ISLAMIC FINANCIAL INCLUSION: A STUDY OF THE MUSLIM COMMUNITY IN SURABAYA”. I-Finance: a Research Journal on Islamic Finance 12, no. 1 (June 5, 2026): 1–18. Accessed June 9, 2026. https://jurnal.radenfatah.ac.id/index.php/I-Finance/article/view/33516.