THE SYSTEM OF IMPOSING FINES AND ITS EFFECTIVENESS IN REDUCING FRAUD IN PERUM PEGADAIAN PRODUCTS IN THE CONTEXT OF TA’WIDH. Al-Mudharabah [Internet]. 2026 Jan. 22 [cited 2026 Oct. 18];7(1):1-19. Available from: https://journal.ar-raniry.ac.id/index.php/mudharabah/article/view/9645