Hariyanti, Tri, dan Muhammad Kambali. “From Riba to Ridha: Innovation in Handling Non-Performing Loans in Sharia Property Developer Schemes”. Attamwil: Jurnal Kajian Ekonomi Islam, vol. 1, no. 2, Desember 2025, hlm. 90-98, https://journal-attamwil.com/index.php/about/article/view/13.