A. Lokce in A. Bojadzievska Danevska, „Establishing a Digital Participation Bank in North Macedonia: Opportunities and Challenges in Interest-Free Finance“, OE, let. 71, št. 2, str. 25–33, jul. 2025, Pridobljeno: avg. 27, 2026. Dostopno na: https://journals.um.si/index.php/oe/article/view/5264