D. B. Armagatlie, R. Ronaldo, T. Suryanto, and P. Utami, “The Dynamics of Sharia Financial Product Utilization and Literacy in Shaping Individual Financial Stability: A Case Study of Participants at PT Sinar Mas Asuransi Syariah”, jrssem, vol. 6, no. 2, pp. 1137–1155, Sep. 2026.