A. F. Zustika, T. Widiastuti, and D. Bonang, “IMPLEMENTATION OF MULTI-AKAD STRUCTURES IN SHARIA PEER-TO-PEER LENDING PLATFORMS: A STUDY ON LEGAL COMPLIANCE AND INNOVATION IN INDONESIA’S FINTECH ECOSYSTEM”, ijhi, vol. 24, no. 1, pp. 83–96, Jun. 2025.