Zainuddin, Moch, et al. “Konvergensi Finansial Syariah: Sinergi Emas, Inklusi Digital, Dan Ketahanan Sosial-Ekonomi Dalam Praktik Pegadaian Syariah: (Islamic Financial Convergence: Gold Synergies, Digital Inclusion, and Socio-Economic Resilience in Islamic Pawnshop Practices)”. Al-Muhasib: Journal of Islamic Accounting and Finance, vol. 5, no. 1, June 2025, pp. 1-20, doi:10.30762/al-muhasib.v5i1.2233.