Sihotang, Mutiah Khaira, et al. “Beyond Banking: Innovating Sharia-Compliant Housing Finance for Sustainable Homeownership”. IQTISHODUNA: Jurnal Ekonomi Islam, vol. 15, no. 1, Apr. 2026, pp. 333-50, doi:10.54471/iqtishoduna.v15i1.3913.