YUSMITA; BAHTIAR, Moh. Yusuf. Islamic Contract Architecture for Digital Deferred Payment: A Three-Layer Conceptual Framework for Shariah-Compliant BNPL Regulation. JHIES: Jurnal Hukum Islam dan Ekonomi Syariah, [S. l.], v. 2, n. 2, p. 153–176, 2026. DOI: 10.67140/jhies.v2i2.19. Disponível em: https://cabiskarya.com/jhies/article/view/61. Acesso em: 26 aug. 2026.