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Tinjauan Fatwa Nomor 86/DSNMUI/XII/2012 Tentang Hadiah Terhadap Praktik Pemberian Hadiah Langsung Berupa Cashback Kepada Nasabah Oleh Bank Syariah (Studi Kasus Program JakOne Vaganza di Bank DKI Syariah Pusat, Gambir, Jakarta Pusat)