Aravik, Havis, Achmad Irwan Hamzani, and Nur Khasanah. “Basic Concepts of Sharia Finance And Practices In Sharia Banking In Indonesia”. Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah 9, no. 1 (August 8, 2023): 17–34. Accessed October 12, 2026. https://ejournal.stebisigm.ac.id/index.php/isbank/article/view/842.