Andi Wawan Mulyawan, et al. “Transformasi Lembaga Keuangan Syariah Non-Bank: Analisis Theory of Innovations Dan Pengembangan Kontemporer: Transformation of Non-Bank Sharia Financial Institutions: Analysis of Theory of Innovations and Contemporary Development”. HISAB: Jurnal Akuntansi Lembaga Keuangan Syariah, vol. 1, no. 1, Dec. 2025, pp. 76-97, https://journal.uwais.ac.id/index.php/hisab/article/view/15.