Muhammad Asroruddin, Sainun Sainun, and Lalu Muhammad Nurul Wathani. “Negative Impact of Online Loans on Muslim Family Harmonization in Kediri District West Lombok”. al-Afkar, Journal For Islamic Studies 8, no. 3 (September 20, 2025): 1723–1745. Accessed August 25, 2026. http://al-afkar.com/index.php/Afkar_Journal/article/view/2357.