Handika, Deni, Ahmad Muhtar Syarofi, dan Wasilul Chair. 2026. “Customer Acquisition in Murabahah Financing through Integrated Direct and Digital Marketing in Islamic Microfinance”. JHIES: Jurnal Hukum Islam Dan Ekonomi Syariah 2 (1): 80-93. https://cabiskarya.com/jhies/article/view/46.