An Efficient Sharia Savings and Loan and Financing Cooperative Model Based on the Soft System Methodology (SSM) Approach to Improve Member Welfare. Int. J. Environ. Sci. [Internet]. 2025 Sep. 8 [cited 2025 Oct. 1];:2105-12. Available from: https://theaspd.com/index.php/ijes/article/view/9690