Susilawati, Yulianti Ika, Rudi, and Rony Iskandar. “Transforming Intermediation of Islamic Financial Institutions through Sharia Principles”. Research Horizon 5, no. 4 (August 30, 2025): 1223–1234. Accessed April 22, 2026. http://www.journal.lifescifi.com/index.php/RH/article/view/713.