M. I. Siregar, M. M. Ikhsan, N. H. Abdurrahman, I. Setiawan, and M. R. Fadillah, “Innovating Murabahah through Hybrid Contracts: A Normative Juridical Analysis of Sharia-Compliant Financial Practices and Governance in Islamic Banking”, SLR, vol. 3, no. 2, pp. 56–64, Sep. 2025.