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Tinjauan Fatwa DSN-MUI Nomor 77 DSN/MUI/V/2010 Tentang Jual Beli Emas Secara Tidak Tunai Terhadap Arisan Emas di Pegadaiamn Syariah (Studi Kasus di Pegadaian Syariah Cinere Raya, Jakarta Selatan)