Mona hayati, Nirmala Agustina, Virda bin Jusman, Helda Indah Sari, and Gesti Wulandari. “Analis Faktor Penghambat Perkembangan Perbankan Syariah Di Kalimantan Timur”. An-Nafis: Jurnal Ilmiah Keislaman dan Kemasyarakatan 1, no. 2 (April 13, 2022): 145–156. Accessed April 19, 2026. https://ejurnal.stitnafistabalong.ac.id/index.php/annafis/article/view/55.