Ashraf, Dawood, Muhammad Suhail Rizwan, Danny Hermawan Adiwibowo, and Richard Irfan Yusan. “Loan Portfolio Composition of Islamic and Conventional Banks Pre- and Post-COVID-19 Pandemic: Case of Indonesia”. Journal of Islamic Monetary Economics and Finance 8, no. 3 (August 30, 2022): 407–428. Accessed February 15, 2026. https://www.jimf-bi.org/JIMF/article/view/1561.