Atmadja, Ferry Setyadi, Susan Febriantina, Chaerunisha Aila Widarum, Keisya Puteri Debi, Kayla Rahma Anjani, Nur Azizah, and Adin Nur Rahman. “ Bank Btpn Syariah Tbk”. Journal of Innovative and Creativity 5, no. 2 (August 25, 2025): 21769–21785. Accessed October 16, 2026. https://joecy.org/index.php/joecy/article/view/2830.