Muslih, Muslih, et al. “Financial Ratio-Based Risk Assessment of Musharakah Financing in Indonesian Islamic Banking: The Moderating Role of Sharia Compliance”. International Journal of Educational Review, Law And Social Sciences (IJERLAS), vol. 6, no. 4, July 2026, https://radjapublika.com/index.php/IJERLAS/article/view/6005.