SITI UMI NURBAIDAH; NUR HIDAYAH; MUHAJIRIN. ANALYSIS OF MURABAHAH CONTRACTS IN CONSUMPTIVE FINANCING: A CRITICAL REVIEW OF THE EFFICIENCY AND POTENTIAL OF COVERT RIBA - SHARIA PERSPECTIVES, REGULATIONS, AND ACCOUNTING STANDARDS. Multidiciplinary Output Research For Actual and International Issue (MORFAI), [S. l.], v. 5, n. 3, p. 5102–5113, 2025. DOI: 10.54443/morfai.v5i3.4036. Disponível em: https://radjapublika.com/index.php/MORFAI/article/view/4036. Acesso em: 21 aug. 2026.