Efendi, Efendi. “ANALISIS PINJAMAN ONLINE DALAM PERSPEKTIF HUKUM ISLAM: ANTARA RIBA DAN GHARAR”. Bussman Journal : Indonesian Journal of Business and Management 4, no. 3 (December 12, 2024): 897–913. Accessed February 4, 2026. https://gapenas-publisher.org/bussman/index.php/home/article/view/287.