Pradipta, Muhammad Raffi Aditya, and Nabila Farah Faradina. “Asset Based Revenue Driven Digital Incubation (ARDI) for MSME Financing: A Scenario-Based Simulation of Pawn Based Lending at Pawnshop”. Journal of Entrepreneurial Economics, vol. 3, no. 1, Feb. 2026, doi:10.61511/jane.v3i1.2026.3428.