Yusmita, and Moh. Yusuf Bahtiar. 2026. “Islamic Contract Architecture for Digital Deferred Payment: A Three-Layer Conceptual Framework for Shariah-Compliant BNPL Regulation”. JHIES: Jurnal Hukum Islam Dan Ekonomi Syariah 2 (2): 153-76. https://doi.org/10.67140/jhies.v2i2.19.