Nurhayati. “Eliminating the Phenomenon of Sleeping Assets: Productive Diversification Strategy and Nazir Competency Standardization As Pillars of Community Welfare”. JURNAL ILMIAH GEMA PERENCANA, vol. 4, no. 3, Apr. 2026, pp. 2369-90, doi:10.61860/jigp.v4i3.358.