amalina zulfa, ela agelia, and versiandika yudha pratama. “Analysis of Musyarakah and Mudharabah Financing Against the Smoothness of Financing in Indonesian Syariah Banks”. Jurnal HARMONI: Jurnal Akuntansi dan Keuangan 4, no. 1 (October 9, 2025). Accessed February 12, 2026. http://150.107.142.43/index.php/JHARMONI/article/view/18559.