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The Effect of Service Quality toward Customer Satisfaction in a Sharia Pawnshop (Case Study on a Sharia Pawnshop in Jambi Province) 伊斯兰典当行服务质量对顾客满意度的影响(以占碑省一家伊斯兰典当行为例)
Pub Date : 2021-06-28 DOI: 10.29240/alfalah.v6i1.2087
Busriadi Busriadi, R. Arifin
Purpose: This research analyzes the business phenomenon of PT. Pegadaian Syariah (Persero) Tbk. in Jambi province, in which the problem is how to build customer satisfaction to achieve the company goal. This research is designed to analyze the effect of service quality on customer satisfaction. This research aims to find answers to the flow of service quality performance. In addition, the modeling in this study also aims to provide a critical understanding of the concept and measurement of customer relationship management.Design/Method/Approach: This research used a descriptive analysis approach and a quantitative method to test the variables by using hypothesis testing. The research subjects were 110 customers of PT. Pegadaian Syariah (Persero) Tbk. of Jambi Province. To analyze the data, researchers used the Structural Equation Model (SEM) by using Amos 22 computer program.Findings: The results showed that service quality had a positive and significant effect on customer satisfaction. This study provides a contribution that strengthens the justification of previous research in which this research develops the effect of service quality by expanding the study on customer satisfaction.Originality/Values: The novelty of the study is identified from the issue which is studied consistently and the place of the research.
目的:本研究分析PT. Pegadaian Syariah (Persero) Tbk的经营现象。在占碑省,问题是如何建立客户满意度,以实现公司的目标。本研究旨在分析服务品质对顾客满意的影响。本研究旨在寻找服务品质绩效流动的答案。此外,本研究中的建模也旨在提供对客户关系管理的概念和测量的批判性理解。设计/方法/途径:本研究采用描述性分析方法和定量方法,通过假设检验对变量进行检验。研究对象为PT. Pegadaian Syariah (Persero) Tbk的110名顾客。占碑省。为了分析数据,研究人员利用Amos 22计算机程序使用结构方程模型(SEM)。结果发现:服务品质对顾客满意有显著的正向影响。本研究提供了一个贡献,加强了先前研究的合理性,本研究通过扩展对顾客满意度的研究来发展服务质量的影响。原创性/价值:研究的新颖性是通过研究的问题和研究的地点来确定的。
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引用次数: 0
Implementation of Qawa'id Al-Fiqhiyyah Mazhab Hambali in Islamic Economic Qawa'id Al-Fiqhiyyah Mazhab Hambali在伊斯兰经济中的实施
Pub Date : 2021-06-28 DOI: 10.29240/alfalah.v6i1.2521
Hendrianto Hendrianto, H. Bisri
Purpose: This research aims to provide knowledge about qawa'id al-fiqhiyyah Hambali sect thought and its application in sharia economic law seen of the four popular rules of jurisprudenceDesign/Method/Approach: This research is library research, using documentation data collection techniques, and data analysis using content analysisFindings: Results showed that qawaid fiqiyyah dissect Hambali's for bidden right speed before the time, over the main push of the lift, badal (substitute) is positioned mubdal (replaced), and the latter considered common practice, while rare, and there is no law to him. The fourth method is able to address the problem Kulli (general), and in particular the problems of legal jurisprudence of Islam among the modern economy, which in this case study can not be separated from AL Quran and Hadits.Originality/Values: The main contribution of this research is to fill the gap in how the implementation of qawa'id al-fiqhiyyah mazhab hambali in Islamic economic law.
目的:本研究旨在提供有关qawa'id al-fiqhiyyah Hambali教派思想及其在法理学四大流行规则中的伊斯兰教经济法中的应用的知识。设计/方法/途径:本研究是图书馆研究,使用文献资料收集技术,使用内容分析进行数据分析。结果表明,qawaid fiqiyyah解剖Hambali的为潜右速度之前的时间,超过主推的抬举,badal(替补)被定位mubdal(替换),后者被认为是常见的做法,而罕见的,并没有对他的规律。第四种方法能够解决Kulli(一般)的问题,特别是现代经济中伊斯兰教的法理学问题,在这个案例研究中,这些问题离不开《古兰经》和《圣训》。原创性/价值:本研究的主要贡献在于填补了伊斯兰经济法中qawa'id al-fiqhiyyah mazhab hambali如何实施的空白。
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引用次数: 2
Effect of Understanding Product Services Shariah Banking Interest of Traders in Submitting Loan: Case Study in Pasar Anyar, Serang, Banten 理解产品服务对交易者提交贷款的影响:以万丹市雪朗市巴沙安亚为例
Pub Date : 2020-06-09 DOI: 10.29240/alfalah.v5i1.1457
Ersi Sisdianto, Harrys Pratama Teguh
Purpose: This study aims to determine the extent of understanding the influence of Sharia banking services products to the merchant interest in applying for loans, another goal was to determine whether the higher level of understanding, the higher the rate of interest applied for a loan. In fact in the district Newer no Sharia Banking Firm and Rural Sharia. There are only 2 Baitul Mal wa Tamwil, it was his existence can not meet the needs of traders to obtain loans in opening a business. Design/Method/Approach : The method used is descriptive analysis method is intended to illustrate how the influence of product understanding Sharia banking services to the merchant interest in applying for loans. The data provided will be processed using chi square and contingency coefficient. The data used consist of interest and the dependent variable is the independent variable is the understanding of the product. The study of the respondents have an understanding of Sharia Banking sufficient to Sharia banking products with 20% and 10% who do not understand. Respondents have sufficient interest to apply for a loan on Sharia banking is 10% interest and 10% had no interestFindings: The influence of the understanding of product and services of Islamic banking on the interest market traders Anyar in applying for loans indicate their relationship fairly closely between two variables, no interest and did not understand at 10%, interest but not understood by 20%, no interest but understood by 20% and interest and understanding by 60%. Sampling technique used is by means of questionnaires and interviews.Originality/Values: The main contribution of this study concern on determine extent of understanding the influence of Sharia banking services products to the merchant interest in applying for loans
目的:本研究旨在确定了解伊斯兰银行服务产品对商人申请贷款兴趣的影响程度,另一个目标是确定了解程度越高,申请贷款的利率是否越高。事实上,在该地区较新的伊斯兰教银行公司和农村伊斯兰教。只有2个Baitul Mal wa Tamwil,这是他的存在不能满足贸易商在创业时获得贷款的需要。设计/方法/途径:使用的方法是描述性分析方法,旨在说明产品理解伊斯兰银行服务对申请贷款的商人利益的影响。所提供的数据将使用卡方和偶然性系数进行处理。使用的数据由兴趣和因变量组成,自变量是对产品的理解。该研究的受访者对伊斯兰银行有足够的了解,其中20%和10%的人不了解伊斯兰银行产品。调查结果:对伊斯兰银行产品和服务的了解对利息市场交易员Anyar申请贷款的影响表明,他们在两个变量之间的关系相当密切,10%时无利息不理解,20%时有利息不理解,20%时无利息但理解,60%时有利息和理解。采用的抽样技术是通过问卷调查和访谈的方式。原创性/价值:本研究的主要贡献在于确定理解伊斯兰银行服务产品对申请贷款的商人利益的影响程度
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引用次数: 0
The Inconsistency Effect of Anomalies on the Muslim Eid (Id Fitri) towards Abnormal Return : Case Study in the Indonesia Stock Exchange 穆斯林开斋节(Id Fitri)异常对异常收益的不一致效应:以印尼证券交易所为例
Pub Date : 2019-12-16 DOI: 10.29240/alfalah.v4i2.911
Muhammad Abdul Ghoni
Purposes: The purpose of this paper is to analyze the causes of inconsistency in the effect of the "Anomalies" of the Islamic Eid (Eid al-Fitr) on Abnormal returns on the Indonesia Stock Exchange. Design/Methodology/Approach: This article applied the quatitative analysis. In practise, it consistently uses the descriptive qantitative in measuring the effect cross selected-variables.Findings: Based on the results of the analysis showed that the inconsistency of the effect of "Anomalies" on the Islamic Eid (Eid al-Fitr) on Abnormal returns on the Indonesia Stock Exchange was caused by various things, including behavior of investors caused by uncertainty during the Eid al-Fitr. Originality/Value: a set of novelty identificated from the article is that study deeply measures the relationship between anomalies of The Muslim Eid and Abnomarmal Return in The Indonesia Stock Exchange.
目的:本文的目的是分析印尼证券交易所开斋节(Eid al-Fitr)“异常”对异常收益影响不一致的原因。设计/方法/方法:本文采用定量分析。在实践中,它一直使用描述性定量法来测量交叉选择变量的效果。研究发现:根据分析结果,印尼证券交易所开斋节“异常”对异常收益的影响不一致是由多种因素造成的,其中包括开斋节期间不确定性导致的投资者行为。原创性/价值:本文的一组新颖之处在于,研究深入测量了印尼证券交易所开斋节异常与异常回报之间的关系。
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引用次数: 0
Effect of Financial Literation and Financing-Effectivity toward the Growth of Small Enterprises: Case Study in Bank Syariah Mandiri, Majalengka 金融知识和融资效率对小企业成长的影响:以伊斯兰曼迪利银行为例
Pub Date : 2019-12-16 DOI: 10.29240/alfalah.v4i2.941
R. Hikmah, Diana Djuwita, Ridwan Widagdo
Purposes: This study aims to determine the effect partially and simultaneously between financial literacy and financing effectiveness on business development in Micro Warung financing in Bank Syariah Mandiri Majalengka Branch.Design/Methodology/Approach: This study uses a type of quantitative research. The number of samples is 80 respondents. The technique of collecting data through questionnaires and documentation.Analysis of the data used are research instruments, classical assumptions, multiple linear regression, determinant test, and hypothesis testing, research using SPSS version 20.Findings: The partial test results show that financial literacy variables have a significant positive effect on business development, financing effectiveness has a significant positive effect on development business. The simultaneous test results show that there is a positive and significant influence between financial literacy and financing effectiveness on business development. The effect of financial literacy and financing effectiveness contributes 73.12% to business development.Originality/Value: Main contribution of the article is identified from its issues selected to reach new insight on relationship between financial literation, financing effectivity toward growth of small enterprises. This, exactly, can be a model for previous research on related-issues.
目的:本研究旨在确定金融素养和融资有效性对伊斯兰银行Mandiri Majalengka分行小额融资业务发展的部分和同时影响。设计/方法/方法:本研究采用一种定量研究。样本数量为80人。通过问卷调查和文件收集数据的技术。分析使用的数据是研究工具,经典假设,多元线性回归,行列式检验,和假设检验,研究使用SPSS版本20。发现:部分检验结果显示,财务素养变量对业务发展具有显著的正向影响,融资有效性变量对业务发展具有显著的正向影响。同时检验结果表明,金融素养和融资有效性对企业发展存在显著的正向影响。金融素养和融资有效性对企业发展的贡献率为73.12%。原创性/价值:本文的主要贡献是从其选择的问题中确定的,以达到对小企业成长的金融素养,融资有效性之间关系的新见解。这确实可以作为先前相关问题研究的一个模型。
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引用次数: 3
Homo Islamicus dan Imperfect State : Konsep Manusia dan Al-Madinah Al-Fadilah menurut Al-Farabi
Pub Date : 2019-05-26 DOI: 10.29240/ALFALAH.V4I1.714
Havis Aravik, A. Hamzani
Purpose: This article discusses about the other side of al-Farabi, an Islamic economic thinker. With the aim that an open paradigm of thinking new in seeing al-Farabi, not only political experts and famous philosophers, but also as a reliable Islamic economic thinker.Design/Method/Approach: This article uses library-based qualitative research (qualitative research) with a qualitative descriptive approach and technical descriptive analysis and content analysis.Finding: This study was able to identify that al-Farabi was truly an Islamic economic thinker. Al-Farabi's Islamic economic thinking can be seen in his works such as the Book of Ara 'Ahl al-Madinah al-Fadilah, Kitab al-Siyasat al-Madaniyah and the Tahsil al-Sa'adah Book. Al-Farabi was one of the economic thinkers who emphasized his economic thinking on the concept of man as homo Islamicus who had an advantage in the field of reason compared to other beings (al-hayawan al-nathiq) where one of his goals was to become a perfect society (al- kalimah) and happy by doing noble actions, virtues and virtues. However, in its journey, the existence of the community formed a state that was in the form of a main state (al-Madinah al-Fadilah), a foolish state (al-madinah al-Jahilah), a fasiq state (al-madinah al-Fasiqah), a perverse country (al -madinah al-Dhallah), and a changing state (al-madinah al-Mutabaddilah). The ideal country that can manifest human happiness is the main country (al-Madinah al-Fadilah).Originality/Novelty: This research contributes to filling the 'emptiness' of Islamic economic theory, which comes from Al-Farabi's thoughts and works. This study did not become a 'copy' which informed the other side of Al-Farabi as a philosopher. But he also offers economic thinking, especially in relation to the human concept and welfare state.
目的:探讨伊斯兰经济思想家法拉比的另一面。以一种开放的新思维范式为目的,将法拉比视为不仅是政治专家和著名哲学家,而且是一位可靠的伊斯兰经济思想家。设计/方法/途径:本文采用基于图书馆的定性研究(定性研究),采用定性描述方法和技术描述分析和内容分析。发现:这项研究能够确定al-Farabi确实是一位伊斯兰经济思想家。法拉比的伊斯兰经济思想可以在他的著作中看到,如Ara 'Ahl al-Madinah al-Fadilah, Kitab al-Siyasat al-Madaniyah和Tahsil al-Sa'adah Book。法拉比是经济思想家之一,他的经济思想强调人是与其他生物(al-hayawan al-nathiq)相比在理性领域具有优势的伊斯兰人(homo Islamicus)概念,他的目标之一是通过高尚的行为和美德,成为一个完美的社会(al- kalimah)和幸福。然而,在它的旅程中,共同体的存在形成了一个主要国家(al-madinah al- fadilah)、愚蠢国家(al-madinah al- jahilah)、极端国家(al-madinah al- fasiqah)、邪恶国家(al-madinah al- dhallah)和变化国家(al-madinah al- mutabaddilah)的形式。能够体现人类幸福的理想国家是主要国家(al-Madinah al-Fadilah)。原创性/新颖性:本研究有助于填补伊斯兰经济理论的“空白”,这一空白来自法拉比的思想和作品。这项研究并没有成为一份“副本”,从而让人了解法拉比作为哲学家的另一面。但他也提出了经济思想,特别是在人类概念和福利国家方面。
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引用次数: 2
Abu Ubaid sebagai Fuqha� dan Ekonom: Critical Reading terhadap Corak Pemikiran dan Konsepsi Ekonomi Ibn Ubaid
Pub Date : 2019-05-26 DOI: 10.29240/ALFALAH.V4I1.781
Taufik Hidayat
Purpose: The purpose of this article is to critically examine the style of thought and economic conception offered by Ibn Ubaid, in his Al-Amwal work. This critical reading is intended so that the scientific structure of Islamic economics presented in the book of Al-Amwal, can be identified more firmly and clearly.Design/Methodology/Approach: This paper explores critically the economic conception of Ibn Ubaid, and then formulates how the style of thinking Ibn Ubaid. With a qualitative approach, with the design ofresearch hermeneutics, this paper is expected to be able to interpret Ibn Ubaid's thinking more systematically.Findings: This study offers two theses: First, from the work and structure of the arguments found consistently in the book of Al-Amwal, Ibn Ubaid is actually the figure of a prolific jurist. He consistently uses fiqh reasoning in elaborating an economic issues. Second, the economic concepts offered by Ibn Ubaid are fragmented, or fragmented. He is more concerned with discussing public finance. He offers the concept of a tax system based on social justice, or tax collection must be based on a fair system. So that taxes are not an instrument of exploitation of the people.Originality/Value: The contribution of this paper lies in the answer to the emptiness of the literature that critically examines the book of Al-Amwal, and is able to identify the dominant patterns of thought of Ibn Ubaid.
目的:本文的目的是批判性地考察伊本·乌巴德在他的Al-Amwal作品中提供的思想风格和经济概念。这种批判性的阅读旨在使Al-Amwal书中所呈现的伊斯兰经济学的科学结构能够被更坚定和清晰地识别出来。设计/方法论/方法:本文批判性地探讨了伊本·乌贝德的经济理念,然后阐述了伊本·乌贝德的思维方式。本文以定性的方法,研究解释学的设计,期望能够更系统地解释伊本·乌巴德的思想。研究发现:本研究提供了两个结论:第一,从阿姆瓦尔书中一致发现的论点的工作和结构来看,伊本·乌巴德实际上是一位多产的法学家。在阐述经济问题时,他一贯运用逻辑推理。第二,伊本·乌拜德提出的经济概念是支离破碎的。他更关心的是讨论公共财政。他提出了以社会公正为基础的税收制度的概念,即税收征收必须以公平制度为基础。因此,税收不是剥削人民的工具。原创性/价值:本文的贡献在于回答了批判性地审视Al-Amwal这本书的文献的空虚,并能够识别伊本·乌巴德的主要思想模式。
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引用次数: 2
Timur Tengah dan Ekonomi Syariah: Studi Empiris terhadap Perkembangan Ekonomi Syariah di Timur Tengah
Pub Date : 2019-05-26 DOI: 10.29240/ALFALAH.V4I1.591
Nurul Latifah, Mulyono Jamal
Purpose: This study is intended to identify how the practice and development of Islamic economics in the Middle East - the Arabian Peninsula.Design / Method / Approach : This study begins with a process of historical reading of economic activity and how the Islamic economy is the norm applied by economic institutions. In drawing conclusions, this study intensely uses historical facts as the source and foundation of conceptualization and equity of study findings.Findings : Development of a Sharia Economy in the Middle East Before the birth of the oil era at the beginning of the 20th, the main Gulf region was on the southern coast, acting as a liaison to Indian markets from the West and Somalia from the East. One of them is Aden, a natural port of Yemen, where ships from Ethiopia and India dock. The eastern path through the coast of the southern Arabian peninsula and up to the Persian bay is a link through the sea from Yemen to Iraq and transmits by land to Sham. On the track, traders crossed the Yemeni, Iraqi, Palmyra and Syrian markets. In each region they sell commodities that are not there and also buy commodities in the region to be brought to other regions. Because of a number of factors, for the time being, the economic development of the region is arguably stagnant and escaped world attention. Along with the development of science and technology in the early twentieth century, the need for fuel oil began to increase.Originality /Novelty: This article is not only a reference, but also a copy that can be used as a historical foundation to understand the development of Islamic economics in Middle Eastern friends.
目的:本研究旨在探讨伊斯兰经济学在中东-阿拉伯半岛的实践与发展。设计/方法/途径:本研究开始于对经济活动的历史解读过程,以及伊斯兰经济如何成为经济机构应用的规范。在得出结论时,本研究强烈地使用历史事实作为概念化和研究结果公平性的来源和基础。在20世纪初石油时代诞生之前,主要的海湾地区位于南部海岸,从西方连接印度市场,从东方连接索马里市场。其中之一是也门的天然港口亚丁,来自埃塞俄比亚和印度的船只都在这里停靠。东部的道路穿过阿拉伯半岛南部的海岸,一直到波斯湾,是一条从也门到伊拉克的海上通道,并通过陆路到达沙姆。在这条路上,商人们穿过也门、伊拉克、巴尔米拉和叙利亚市场。他们在每个地区销售当地不存在的商品,并在当地购买商品,然后运到其他地区。由于一些因素,目前该地区的经济发展可以说是停滞不前,没有引起世界的注意。20世纪初,随着科学技术的发展,对燃料油的需求开始增加。原创性/新颖性:本文不仅是参考,也是复制,可以作为了解伊斯兰经济学在中东朋友发展的历史基础。
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引用次数: 0
Efektifitas Penyaluran Dana ZIS : Studi Kasus pada SMA Terbuka Binaan LAZ Sukses Kota Depok 资金募集成效:德波克成功中学案例研究
Pub Date : 2019-05-26 DOI: 10.29240/ALFALAH.V4I1.775
Nurul Ichsan Hasan, Rona Roudhotul Jannah
Purpose: This study aims to analyze the effectiveness of the ZIS fund distribution program in the form of school operational assistance in SMA Terbuka assisted by LAZ Zakat Sukses, Depok.Design/Method/Approach: There are 4 variables that can measure the level of effectiveness in this study. Among other things, the accuracy of program targets, program socialization, program objectives, and program monitoring. The four variables fall into the range of effective value scales. That is, accuracy of program targets: 3.13. program socialization: 3.25. program objectives: 3.11. program monitoring: 2.94. Findings: The final result of the program effectiveness level score shows a value of 3.11 .Meaning that the value is in the range of effective scales. In general, the distribution of ZIS funds in the form of operational assistance in SMA Terbuka assisted by LAZ Zakat Sukses of Depok City has been effective.Originality/Values: This study contributes extensively in introducing a measurement of how the efectivity of ZIS distribustion, especially in Terbuka Senior High School which maintained by LAZ Sukses, Depok
目的:本研究旨在分析由LAZ Zakat Sukses, Depok协助的ZIS基金在SMA Terbuka以学校运作援助形式分配计划的有效性。设计/方法/途径:有4个变量可以衡量本研究的有效性水平。在其他方面,规划目标的准确性、规划社会化、规划目标和规划监控。这四个变量都在有效值尺度范围内。即程序目标的准确性:3.13。项目社会化:3.25。项目目标:3.11。程序监控:2.94。结果:项目有效性水平得分的最终结果为3.11,即该值处于有效量表的范围内。总的来说,在德博克市的LAZ Zakat Sukses的协助下,以业务援助的形式在特布卡地区分配ZIS资金是有效的。原创性/价值:本研究广泛地引入了一种衡量ZIS分布效率的方法,特别是在特布卡高中,由LAZ Sukses, Depok维护
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引用次数: 2
Integrasi Akad Pembiayaan dan Akad Rahn: Analisis Kritis terhadap Implementasi Fatwa DSN No. 92 Tahun 2014 pada PT. Pengadaian, Jakarta 阿卡德财务与阿卡德融合:2014年雅加达PT. wash DSN实施批判性分析
Pub Date : 2019-05-26 DOI: 10.29240/ALFALAH.V4I1.759
Yupiter Yupiter, Nurul ' Huda, Hendri Tanjung
Purpose: The purpose of this article is to critically examine how the implementation of the MUI DSN Fatwa No. 92 of 2014 concerning financing accompanied bycontract rahn at PT. Procurement, Jakarta. Design/Method/Approach : A qualitative approach is applied in this study, with design an exploratory research. The analysis unit is PT. Procurement, Jakarta. While the library research, and interviews are used as the main instruments in collecting relevant data.Findings: In general, this study succeeded in identifying several important things, namely: First, that between DSN No. 92 of 2014 with the practices applied by PT. Procurement, Jakarta, is appropriate. Secondly, Islamic Pawnshop is relatively new as a financial system. This is one of the obstacles for PT. Procurement, Jakarta, in operating Islamic products.Originality/Value: This research is believed to be important and significant in contributing to the theory. Especially, in terms of filling in the blanks of examplars of theories about the conformity of the DSN Fatwa No. 92 of 2014 with practice, especially at PT. Procurement, Jakarta.
目的:本文的目的是严格审查2014年关于雅加达PT采购公司合同附带融资的MUI DSN第92号法特瓦的实施情况。设计/方法/途径:本研究采用定性方法,设计为探索性研究。分析单位是雅加达PT采购公司。而图书馆研究和访谈是收集相关数据的主要手段。结果:总的来说,本研究成功地确定了几个重要的事情,即:首先,2014年DSN No. 92与雅加达PT. Procurement采用的实践之间的关系是合适的。其次,伊斯兰典当行作为一种金融体系是相对较新的。这是雅加达PT. Procurement公司经营伊斯兰产品的障碍之一。原创性/价值:这项研究被认为对理论的贡献是重要和有意义的。特别是,在填补关于2014年DSN第92号法特瓦与实践的一致性的理论例子的空白方面,特别是在雅加达PT采购公司。
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引用次数: 0
期刊
AL-FALAH : Journal of Islamic Economics
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