Risk Management of the Implementation of Baitul Maal Wa Tamwil Based on the Regulation of the Minister of Cooperatives and SMEs No. 12 of 2023: Evidence of the Existence of Islamic Finance. Al-mudayanah [Internet]. 2025 Jun. 22 [cited 2026 Apr. 25];1(1):61-75. Available from: https://athallahpublishing.com/index.php/almudayanah/article/view/5