NAIBAHO, F. Implementation of Waterfall Method Cooperative Saves Loans KMK Mekar Jaya Web-Based. Jurnal Mantik, [S. l.], v. 6, n. 1, p. 330-338, 2022. Disponível em: https://iocscience.org/ejournal/index.php/mantik/article/view/2209. Acesso em: 21 may. 2026.