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Implementasi PERMENKOP Nomor 8 Tahun 2023, Fatwa DSN-MUI Nomor:141/DSN-MUI/VIII/2021 dan Fatwa DSNMUI Nomor:115/DSN-MUI/IX/2017 Dalam Praktik Produk Tabungan Muḍārabah Di BMT (Studi Kasus Di KSPPS BMT-UMJ)