Kholiq, M. N., & Thalib, P. (2025). Independent Sharia-Based Housing Financing Scheme: A Case Study of the Fictive Financing of PT Cahaya Mentari Pratama. Jurnal Ilmu Multidisiplin, 4(4), 2270–2279. https://doi.org/10.38035/jim.v4i4.1322