Rakhmat, A. S. ., Effendi, J. ., Achsani, N. A. ., & Sahara, S. (2026). Equivalent rate thresholds and financing risk in Indonesian Islamic commercial banks: Evidence from a nonlinear panel analysis. Journal of Islamic Economics Lariba, 12(1), 655–672. https://doi.org/10.20885/jielariba.vol12.iss1.art23