Hamdan, H., Ansharullah, A., & Faqih El Wafa. (2025). The Influence of Financial Literacy, Return, and Risk on The Decision to Invest in Syariah Mutual Funds Using The Bibit Application. J-CEKI : Jurnal Cendekia Ilmiah, 4(4), 198–212. https://doi.org/10.56799/jceki.v4i4.8471