Bulutoding, L.; binti Saban, A.; Supriadi; Syariati, N. E.; Sombolayuk, W.; Muchlish, M.; Sari, N. R. The Meaning of Time-Driven Activity-Based Costing in Islamic Banking Products: A Phenomenological Study of Tawhid. IQTISHODUNA: Jurnal Ekonomi Islam 2025, 14, 167-182.