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. Accessed November 6, 2025. https://journal.staiza.ac.id/index.php/JEIZA/article/view/9