Nur Aksa, F., Nia, M., Herinawati, H., Kurniasari, T. W., Subandi, Y., & Adiputra, A. K. (2026). The Sharia Paradox: Formal Islamic Banking, Financial Exclusion, and the Rise of Digital Usury in Post-Qanun Aceh. Dirasah International Journal of Islamic Studies, 4(2), 290–306. https://doi.org/10.59373/drs.v4i2.117