Azwirman, Inten Meutia, Novriadi, and Zulnaidi Yaacob. “Circular Causation Model: Intellectual Capital, Islamic Financial Risk, And Islamic Financial Performance Relationship At Islamic Commercial Banks”. IQTISHODUNA: Jurnal Ekonomi Islam 14, no. 1 (April 11, 2025): 301–316. Accessed January 10, 2026. https://ejournal.iaisyarifuddin.ac.id/index.php/iqtishoduna/article/view/3146.