K. Khotib, A. Sundari, and S. Sun’iyah, “RISK MANAGEMENT AND CASH WAQF DEVELOPMENT STRATEGY IN ISLAMIC MICROFINANCE INSTITUTIONS: EMPIRICAL EVIDENCE FROM EAST JAVA MAWAR COOPERATIVE”, J-MACC : journal of management and accounting, vol. 8, no. 1, pp. 92-102, Apr. 2025.