Suryadi, Ramadhan, and zulkifli zulkifli. “Utilizing Temporary Employment Decrees (SK THL) As Collateral in Islamic Financing: Legal and Practical Insights from PT. BPRS Carana Kiat Andalas”. Al Ushuliy: Jurnal Mahasiswa Syariah dan Hukum 4, no. 1 (June 30, 2025): 33–42. Accessed January 20, 2026. https://ejournal.uinmybatusangkar.ac.id/ojs/index.php/ushuliy/article/view/15658.