?url_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Adissertation&rft.au=SENIMAN+-+NIM.+07380015&rft.aulast=SENIMAN+-+NIM.+07380015&rft.degree=Skripsi&rft.date=5+July+2011&rft.title=TRANSAKSI+SMS+BANKING+STUDI+ANALISIS+PERSPEKTIF+HUKUM+ISLAM&rft.inst=UIN+Sunan+Kalijaga+Yogyakarta