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Hamzah Rojulul Ghodi Assyarif Sumanto, Andri Nirwana AN, Muchamm, and Tri Annisya, Nurbaiti Nurbaiti, and Arief Luqman Hakim, Afif Zaerofi, Rahmat Mulyana, and An Nisa Uswatun, Esy Nur Aisyah, and Khofifah Ayu Virnanda, Ulfi Kartika Oktaviana, (2023) TIFBR(Tazkia Islamic Finance And Business Review) Journal Vol.16 No.2 (2023). TIFBR(Tazkia Islamic Finance And Business Review) Journal Vol.16 No.2 (2023), 16 (2). ISSN 2460-0717