Aidil Fikriadi, Azmil Umur. THE CONCEPT OF DEBT TRANSFER (HIWALAH) IN ISLAMIC BANKING BASED ON DSN-MUI FATWA NO. 31/DSN-MUI/VI/2002. Al-Mudharabah [Internet]. 2024 Dec. 30 [cited 2025 Jan. 23];5(2):412-26. Available from: https://journal.ar-raniry.ac.id/mudharabah/article/view/6560