M. Ilham, Nurhayati, Muhammad Albahi, and Kiki Hardiansyah Siregar. “ETHICS AND LEGAL COMPLIANCE IN SHARIA FINANCING PRACTICES IN THE FINTECH ERA”. Jurnal Ilmiah Ekonomi Islam 11, no. 06 (December 21, 2025). Accessed March 23, 2026. https://www.jurnal.stie-aas.ac.id/index.php/jei/article/view/18447.