Parmanova , R., Budhi Pamungkas Gautama, & Qudratov , I. (2026). FINANCING SMALL AND MEDIUM-SIZED ENTERPRISES IN UZBEKISTAN AND INDONESIA: CHALLENGES OF CONVENTIONAL LENDING AND THE POTENTIAL OF THE ISLAMIC PARTNERSHIP (MUSHARAKAH) MODEL. ECONOSCITECH INTEGRATION, 3(4). https://doi.org/10.5281/zenodo.20079283