Putri, R. D., N. Yanti, and H. Harmain. “Determination of Literacy and Trust in the Sustainable Use of Digital Sharia Insurance Applications”. International Journal of Multidisciplinary Research of Higher Education (IJMURHICA), vol. 8, no. 4, Oct. 2025, pp. 882-94, doi:10.24036/ijmurhica.v8i4.436.