Shinta Amelia Putri, Nita Aprilia, Intan Yulianti, and Muhammad Fauzinudin Faiz. 2025. “The Efficacy of Murabahah Agreements in Personal Financing Schemes: A Case Study of KSPPS BMT NU in Rural Indonesia ”. Al-Kharaj: Journal of Islamic Economic and Business 7 (1). https://doi.org/10.24256/kharaj.v7i1.6330.