Nurul Aini, Moch. Zaenal Azis Muchtarom, and Moch. Agus Sifa’, “IMPLEMENTASI PEMBIAYAAN AL-QARDH WAL IJARAH (Studi Kasus di BMT Nurul Ummah Ngasem Jawa Timur) The Implementation of Al-Qardh Wal Ijarah Financing (Case Study at BMT Nurul Ummah Ngasem East Java”, Qawãnïn, vol. 4, no. 1, pp. 71–96, Jan. 2020.