Pradipta MRA, Faradina NF. Asset based revenue driven digital incubation (ARDI) for MSME financing: A scenario-based simulation of pawn based lending at pawnshop. JANE [Internet]. 2026 Feb. 28 [cited 2026 Mar. 14];3(1). Available from: https://journal-iasssf.com/index.php/JANE/article/view/3428