Andi Wawan Mulyawan, A. Azwar, dan S. Sumarlin, “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, vol. 1, no. 1, hlm. 76–97, Des 2025, Diakses: Okt 29, 2026. Tersedia pada: https://journal.uwais.ac.id/index.php/hisab/article/view/15