Abdamia, Noranita, Mohd Fahmy-Abdullah, and Lai Wei Sieng. “The Productivity Growth of Malaysian Microfinance Institutions: Implications for Consumer, Sustainable Business and Economic Growth”. Asian Economic and Financial Review 15, no. 9 (September 16, 2025): 1336–1351. Accessed September 16, 2025. https://archive.aessweb.com/index.php/5002/article/view/5581.