I Muhammad, Nurdin, Yetty Yetty, Abi Suar, and Zainuddin Zainuddin. “Driving Factors Behind the Issuance and Use of Islamic Credit Cards in Indonesia: The Role of Consumerism”. Owner : Riset dan Jurnal Akuntansi 8, no. 4 (October 2, 2024): 4729-4788. Accessed October 6, 2024. https://owner.polgan.ac.id/index.php/owner/article/view/2409.