Pranyoto, Edi, Susanti Susanti, and Ita Fionita. “Financial Constraints and Investment Decisions of Sharia MSMEs in Indonesia: The Mediating Role of Cash Holding”. International Journal of Management Science and Information Technology 6, no. 1 (March 11, 2026): 172–187. Accessed March 19, 2026. https://www.journal.lembagakita.org/IJMSIT/article/view/6583.