Moh.Sudah. “Preferences for Procurement of Sharia Pay Latter Through Analysis of Factors That Influence Consumtive Behavior”. Journal of Business Management and Islamic Banking 2, no. 3 (December 25, 2023): 277–292. Accessed December 6, 2025. https://ejournal.uin-suka.ac.id/febi/JBMIB/article/view/2087.