“Interest-Free Financial Intermediation and Economic Systems: A Critical Review of Stability, Efficiency, and Distribution” (2026) EKOSISTEM: Journal of Economics, Business, and Contemporary Tourism, 1(3), pp. 336–349. Available at: https://journal.bacaanmedia.id/index.php/ekosistem/article/view/272 (Accessed: 11 November 2026).