Heykal, Mohamad, et al. “Guarding Integrity in Islamic Banking: The Role of Fiqh Muamalah, Religiosity, and Fraud Intention in Shaping Ethical Behavior”. Shirkah: Journal of Economics and Business, vol. 10, no. 3, Jan. 2026, pp. 431-49, doi:10.22515/shirkah.v10i3.882.