amalina zulfa, agelia, ela 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). doi: 10.32832/jharmoni.v4i1.18559.