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. MORFAI [Internet]. 2025 Sep. 13 [cited 2026 Aug. 21];5(3):5102-13. Available from: https://radjapublika.com/index.php/MORFAI/article/view/4036