“ADVANCING RADICAL INNOVATION IN INDONESIA’S SHARIA BANKING INDUSTRY THROUGH INTELLECTUAL CAPITAL AND KNOWLEDGE ABSORPTIVE CAPACITY”. Lex localis - Journal of Local Self-Government 23, no. S4 (August 25, 2025): 1108–1130. Accessed September 13, 2025. http://lex-localis.org/index.php/LexLocalis/article/view/800684.