“PRODUCT INNOVATION SHARIA RESTRICTED INTERMEDIARY ACCOUNT IN ISLAMIC BANKING TO MACROPRUDENTIAL POLICY INSTRUMENT IN INDONESIA”. iBAF e-Proceedings 11, no. 1 (November 27, 2024): 669–690. Accessed September 23, 2026. https://epibaf.usim.edu.my/index.php/eproceeding/article/view/65.