Yusmita, Bahtiar MY. Islamic Contract Architecture for Digital Deferred Payment: A Three-Layer Conceptual Framework for Shariah-Compliant BNPL Regulation. JHIES [Internet]. 17 Agustus 2026 [dikutip 26 Agustus 2026];2(2):153-76. Tersedia pada: https://cabiskarya.com/jhies/article/view/61