2025. Innovation and Challenges of Musyarakah Contracts in Islamic Financial Institutions: Fintech Integration, Smart Contracts, and the Role in MSME Financing (Empirical and Policy Review, 2021–2025). At-Tahdzib: Jurnal Studi Islam dan Muamalah. 13, 2 (Sep. 2025), 102–110. DOI:https://doi.org/10.61181/9d3f6275.