Lubis, Muharman, Iwan Setiawan, Dudang Gojali, Egi Al Fansyah, and Sahidan Abdulmana. “Financial Inclusion and Institutional Resilience in AI-Driven Islamic Finance: A Contract-Based Risk Governance Framework”. Electronic Integrated Computer Algorithm Journal 4, no. 1 (October 31, 2026): 64–83. Accessed November 5, 2026. https://journal.yasib.com/index.php/enigma/article/view/243.