A. Asriadi, A. Soemitra, T. Anggraini, S. Siregar, and M. Yafiz, “A Synergy Development Model for the Islamic Economy Ecosystem Based on Productive Debtors: Evidence from Financing the Customers of Bank Sumut Sharia”, IJAES, vol. 13, no. 2, pp. 37–46, Feb. 2026, doi: 10.14419/5nvdjy97.