“ANALYSIS OF THE IMPLEMENTATION OF QARDH WAL IJARAH CONTRACTS IN UMRAH BAILOUT FINANCING: A CASE STUDY ON THE MITIGATION OF NON-PERFORMING RECEIVABLES IN ISLAMIC FINANCIAL INSTITUTIONS”. 2026. MUJAHADAH : Jurnal Ilmu Multidisiplin 1 (2): 105-19. https://journal.diwafasalfasejahtera.com/mujahadah/article/view/19.