Dynamics and Growth Projections of Fintech Sharia Lending (Sharia and Conventional) in Indonesia: Spatial-Temporal Analysis and Policy Implications: Dinamika Dan Proyeksi Pertumbuhan Fintech Syariah Lending (Syariah Dan Konvensional ) Di Indonesia: Analisis Spasial-Temporal Dan Implikasi Kebijakan. JEIZA 2024, 1 (1), 40-46.