Sugiarto, Irwan, and Hari Sutra Disemadi. “Consumers Spiritual Rights In Indonesia: A Legal Study Of Sharia Fintech Implementation In The Consumers Protection Perspective”. Jurnal IUS Kajian Hukum dan Keadilan 8, no. 3 (December 23, 2020): 437–452. Accessed November 10, 2025. https://jurnalius.ac.id/ojs/index.php/jurnalIUS/article/view/766.