Hanifati, M. et al. 2026. Istismar Zakat Funds in the Perspective of MUI Fatwa No. 4 of 2003: Implications For the Welfare of Mustahik. Al-Kharaj: Journal of Islamic Economic and Business. 8, 3 (Aug. 2026). DOI:https://doi.org/10.24256/kharaj.v8i3.11086.