USAMA, U.; BASTAMAN, A. The Effect of Sop Compliance As Mediating For Competencies And Policy On Financing Decisions . Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah, [S. l.], v. 12, n. 1, p. 237–260, 2026. DOI: 10.36908/isbank.v12i1.1982. Disponível em: https://ejournal.stebisigm.ac.id/index.php/isbank/article/view/1982. Acesso em: 8 sep. 2026.