SIHOMBING, Oremia Exilla Rafelina; DIRKARESHZA, Rianda. Legal Certainty and Financial Inclusion Effects of POJK 29/2024 on Innovative Credit Scoring. AL-MANHAJ: Jurnal Hukum dan Pranata Sosial Islam, [S. l.], v. 7, n. 2, p. 275–288, 2026. DOI: 10.37680/almanhaj.v7i2.8754. Disponível em: https://ejournal.insuriponorogo.ac.id/index.php/almanhaj/article/view/8754. Acesso em: 28 jan. 2026.