NINGRUM, Sinta Nadia; WAHIDULLAH, Wahidullah; NAFISAH, Zahrotun. 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, [S. l.], v. 9, n. 001, p. 31–40, 2025. DOI: 10.30868/ad.v9i001.8758. Disponível em: https://www.jurnal.staialhidayahbogor.ac.id/index.php/ad/article/view/8758. Acesso em: 2 nov. 2025.