Nasution, A. C. “Efficiency of Baitul Maal Wa Tamwil (BMT): An Effort Towards Islamic Wealth Management in Microfinance Institution”. The Journal of Muamalat and Islamic Finance Research, vol. 11, no. 1, Jan. 2014, pp. 59-74, https://jmifr.usim.edu.my/index.php/jmifr/article/view/162.