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Journal of Islamic Banking Program Studi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Al Hikmah Tuban, Jl. PP Al Hikmah No. 1-3 Binangun, Singgahan, Tuban, East Java, Indonesia Email: firstname.lastname@example.org Map Coordinate : Lat. -7.0269714, Long 111.7762766