Effendi, Bahtiar Effendi. “Kesiapan Bank Syariah Dalam Menghadapi Resesi 2023”. Jurnal Ilmiah Ekonomi Islam 9, no. 1 (March 13, 2023): 637–645. Accessed July 2, 2025. https://jurnal.stie-aas.ac.id/index.php/jei/article/view/8015.