Astuti, Rahma Yudi, and Royhan Muhammad Iqbal Wijanarko. “Islamic Economic Analysis Reviewing Top Up Transparency Practices and Effective Flat Installment Systems in Banking”. inovator 13, no. 1 (March 30, 2024). Accessed May 4, 2025. https://ejournal.uika-bogor.ac.id/index.php/INOVATOR/article/view/17662.