Fahreza, Muhammad Refsanjani, et al. “Sharia Compliance and Effectiveness in Resolving NPF: Evidence from BMT Baytul Ikhtiar and KSPPS HSI Abdullah Roy Bogor: Bogor في KSPPS HIS Abdullah Roy و BMT Baytul Ikhtiar Bogor دراسات حالة من :NPF الالتزام بالشريعة الإسلامية وفعاليتها في تسوية ”. Indonesian Journal of Islamic Economic Law, vol. 3, no. 2, Sept. 2026, pp. 231-62, doi:10.23917/ijoel.v3i2.18385.