Rofiqotul Khoiriyah, Ikhda, 		Dwi Riyanto, Feri, 		Karim, M, AND 		Munir, Misbahul.
"THE EFFECT OF CREDIT AND SAVINGS ON POVERTY REDUCTION, ECONOMIC GROWTH AS A MODERATING VARIABLE : EVIDENCE IN INDONESIA" <em>Proceedings of the International Conference of Islamic Economics and Business (ICONIES)</em> [Online], Volume 11 Number 1 (16 October 2025)