Rudiyanto, Rudiyanto, Ela Widasari, Ria Lusiana, and Nurhaini Nurhaini. “Innovative Strategies for Managing Financial Risk in the Digital Age”. Islamic Studies in the World 1, no. 2 (November 29, 2024): 83–92. Accessed August 25, 2025. https://www.journal.ypidathu.or.id/index.php/islamicstudies/article/view/1521.