Abdillah, Prayugo Ali, Imsar, and Nurul Jannah. “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, no. 1 (June 27, 2025): 15–33. Accessed February 13, 2026. https://journal-ikadi.com/ojs/index.php/assyirkah/article/view/175.