Ningrum, S.N. et al. 2025. ANALYSIS OF THE APPLICATION OF EXPENSE FINES TOWARDS DELINQUENCY IN FINANCING OF QARDH AGREEMENTS ON MEMBERS AT KSPPS BMT AL HIKMAH SEMESTA, KALIAMAN BRANCH. Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam. 9, 001 (Jul. 2025), 31–40. DOI:https://doi.org/10.30868/ad.v9i001.8758.