Apriyanti, Hani Werdi. “Model Inovasi Produk Perbankan Syariah Di Indonesia”. Economica: Jurnal Ekonomi Islam 9, no. 1 (July 31, 2018): 83–104. Accessed February 23, 2025. https://journal.walisongo.ac.id/index.php/economica/article/view/2053.