In recent studies on MRI reconstruction, advances have shown significant promise for further accelerating the MRI acquisition. Most state-of-the-art methods require a large amount of fully-sampled data to optimise reconstruction models, which is impractical and expensive under certain clinical settings. On the other hand, for unsupervised scan-specific reconstruction methods, overfitting is likely to happen due to insufficient supervision, while restrictions on acceleration rates and under-sampling patterns further limit their applicability. To this end, we propose an unsupervised, adaptive coarse-to-fine framework that enhances reconstruction quality without being constrained by the sparsity levels or patterns in under-sampling. The framework employs an implicit neural representation for scan-specific MRI reconstruction, learning a mapping from multi-dimensional coordinates to their corresponding signal intensities. Moreover, we integrate a novel learning strategy that progressively refines the use of acquired k-space signals for self-supervision. This approach effectively adjusts the proportion of supervising signals from unevenly distributed information across different frequency bands, thus mitigating the issue of overfitting while improving the overall reconstruction. Comprehensive evaluation on a public dataset, including both 2D and 3D data, has shown that our method outperforms current state-of-the-art scan-specific MRI reconstruction techniques, for up to 8-fold under-sampling.