Abdillah, P.A. , Imsar and Jannah, N. (2025) “Analisis Perilaku Moral Hazard dan Adverse Selection pada Agency Problem di Pembiayaan Musyarakah PT. Bank Sumut KCPSY Binjai”, As-Syirkah: Islamic Economic & Financial Journal, 3(1), pp. 15–33. doi:10.56672/6wxcr537.