“Praktik Developer Syariah Tanpa Kredit Perbankan Perspektif Fikih Muamalah (Studi Kasus di Perumahan Istiqomah Kabupaten Berau): Islamic Developer Practices Without Bank Credit from The Perspective of Fiqh Muamala (Case Study in Istiqoma Housing in Berau District)” (2024) AL-KHIYAR: Jurnal Bidang Muamalah dan Ekonomi Islam, 4(2), pp. 146–162. Available at: https://journal.stiba.ac.id/index.php/khiyar/article/view/1784 (Accessed: 29 August 2025).