Gautama, Muhammad ‘Isa, et al. “Competence, Motivation and Employee Performance at Baitul Maal Wa Tamwil: Influence Analysis and Recommendations for Human Resource Development”. Al-Fikru: Jurnal Ilmiah, vol. 18, no. 1, June 2024, pp. 20-40, doi:10.51672/alfikru.v18i1.408.