amalina zulfa, ela agelia, and versiandika yudha pratama. 2025. “Analysis of Musyarakah and Mudharabah Financing Against the Smoothness of Financing in Indonesian Syariah Banks”. Jurnal HARMONI: Jurnal Akuntansi Dan Keuangan 4 (1). https://doi.org/10.32832/jharmoni.v4i1.18559.