Siti Munfaqiroh, Bunyamin and Ratri Buda Nugrahanti (2025) “CHALLENGES IN IMPLEMENTING SHARIA PRINCIPLES IN THE OPERATIONS OF ISLAMIC BANKS: MANAGERIAL AND CUSTOMER PERSPECTIVES”, Multidiciplinary Output Research For Actual and International Issue (MORFAI), 4(4), pp. 1710–1717. doi: 10.54443/morfai.v4i4.2493.