Mulyadi, Dedi, and Mohamad Anton Athoillah. “PRODUCT INNOVATION OF SHARIA FINANCIAL INSTITUTION: THEORY REVIEW”. Journal of Economicate Studies 1, no. 1 (June 20, 2017): 1–8. Accessed December 26, 2025. https://journal.islamicateinstitute.co.id/index.php/joes/article/view/3.