“Pola Operasional Koperasi Syariah: Studi Kasus Koperasi Baitul Mal wat Tamwil Al-Ikhlash Lumajang: Operational Model of Sharia Cooperative: A Case Study of Baitul Mal wat Tamwil Al-Ikhlash Cooperative, Lumajang” (2006) Fenomena, 5(2), pp. 1–10. doi:10.35719/fenomena.v5i2.388.