Bella, Yunnafa. “Manajemen Risiko Pembiayaan Murabahah Sertifikasi Guru Di Bank Syariah”. JIOSE: Journal of Indonesian Sharia Economics 2, no. 1 (March 31, 2023): 33-46. Accessed September 11, 2025. https://journal.ipmafa.ac.id/index.php/jiose/article/view/526.