“Faith and Finance in Harmony: The Role of Spiritual and Religious Values in Driving Intention to Use Sharia Insurance” (2026) InJBM : Integrated Research Journal of Business and Management, 2(2), pp. 369–393. Available at: https://icess.uin-suska.ac.id/index.php/injbm/article/view/389 (Accessed: 4 April 2026).