Daroji , Choirul, and Yana Dwi Christanti. “Analisis Sistem Pinjaman Qardhul Hasan Bank Ziska Kabupaten Ponorogo Dalam Pandangan Fatwa DSN-MUI”. IJoIS: Indonesian Journal of Islamic Studies 3, no. 1 (June 23, 2022): 111–123. Accessed February 8, 2026. https://journal.civiliza.org/index.php/ijois/article/view/111.