Siti Umi Nurbaidah, et al. “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), vol. 5, no. 3, Sept. 2025, pp. 5102-13, doi:10.54443/morfai.v5i3.4036.