“THE SYSTEM OF IMPOSING FINES AND ITS EFFECTIVENESS IN REDUCING FRAUD IN PERUM PEGADAIAN PRODUCTS IN THE CONTEXT OF TA’WIDH” (2026) Al-Mudharabah: Jurnal Ekonomi dan Keuangan Syariah, 7(1), pp. 1–19. doi:10.22373/al-mudharabah.v7i1.9645.