Pratami, Arifa, Akhsyim Afandi, Jaka Sriyana, and Nur Feriyanto. “Are Sharia Bank Financings in Indonesia Procyclical?”. Jurnal Ekonomi & Keuangan Islam 9, no. 2 (July 11, 2023): 201–209. Accessed April 23, 2026. https://journal.uii.ac.id/JEKI/article/view/27670.