Kholiq, Mohamad Nur, and Prawitra Thalib. “Independent Sharia-Based Housing Financing Scheme: A Case Study of the Fictive Financing of PT Cahaya Mentari Pratama”. Jurnal Ilmu Multidisiplin 4, no. 4 (October 20, 2025): 2270–2279. Accessed October 22, 2025. https://greenpub.org/JIM/article/view/1322.