Utami, Azani, Rahmadani Rahmadani, Diva Setina, and Netty Utari. “Analysis of the Low Use of Salam Contracts in Agricultural Financing in Indonesian Islamic Banking”. Proceeding of International Conference Technology, Economics, and Social Science 1, no. 1 (January 24, 2026): 549-553. Accessed October 8, 2026. https://journals.adaresearch.or.id/ictess/article/view/309.