Usama, U., and A. Bastaman. “The Effect of Sop Compliance As Mediating For Competencies And Policy On Financing Decisions”. Islamic Banking : Jurnal Pemikiran Dan Pengembangan Perbankan Syariah, vol. 12, no. 1, Aug. 2026, pp. 237-60, doi:10.36908/isbank.v12i1.1982.