Ami’in, Siti, and Tutik Janah. “Layanan Bank Syariah Berbasis Multikultural”. JIOSE: Journal of Indonesian Sharia Economics 2, no. 2 (September 27, 2023): 107-124. Accessed October 17, 2025. https://journal.ipmafa.ac.id/index.php/jiose/article/view/704.