Antonius Yohanes William Timuneno and Maria Goreti Malut 2026. Strengthening Agricultural Credit Performance: The Moderating Role of Credit Collateral on the Relationship Between Working Capital Loans and Bad Loan Risk in Farmer Groups. Al-Kharaj: Journal of Islamic Economic and Business. 8, 1 (Jan. 2026). DOI:https://doi.org/10.24256/kharaj.v8i1.9472.