Hanifati, M., Nurkhalis Muchtar, & M. Dawud Arif Khan. (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). https://doi.org/10.24256/kharaj.v8i3.11086