@misc{repository9919,
           title = {Determinan Kesehatan Bank Terhadap Kesejahteraan Mudharib dan Kinerja Zakat},
       publisher = {Institut Agama Islam Negeri Kudus},
          author = {Sumardi, Sumardi and Zulpahmi, Zulpahmi and Muhammad, Tamul Fikri},
             url = {https://journal.iainkudus.ac.id/index.php/equilibrium/article/view/7299}
}