“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”. MUJAHADAH : Jurnal Ilmu Multidisiplin, vol. 1, no. 2, Mar. 2026, pp. 105-19, https://journal.diwafasalfasejahtera.com/mujahadah/article/view/19.