Hadiat, and Nurrohman. “Hybrid Kontrak Perbankan Syariah Di Indonesia: Analisis Pendekatan Rasionalisme”. El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam 6, no. 1 (January 4, 2025): 312 –. Accessed May 10, 2026. https://journal-laaroiba.com/ojs/index.php/elmal/article/view/5751.