Husaini, Fakhri, Najwa Harahap, Muhammad Zakaria, and Enika Batubara. “Persiapan Bank Syari’ah Indonesia Menghadapi Resesi Global Dan Digital Banking 4.0”. Jurnal Ilmiah Wahana Pendidikan 9, no. 19 (September 29, 2023): 149-159. Accessed August 6, 2026. https://jurnal.peneliti.net/index.php/JIWP/article/view/5222.