?url_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Adissertation&rft.au=Nur+Azizah+Panggabean%2C+NIM.%3A+23208012013&rft.aulast=Nur+Azizah+Panggabean&rft.aufirst=NIM.%3A+23208012013&rft.degree=Masters&rft.date=4+December+2025&rft.title=INTENSI+MASYARAKAT+MEMBAYAR+ZIS+SECARA+ONLINE+DI+SUMATERA+UTARA&rft.inst=UIN+SUNAN+KALIJAGA+YOGYAKARTA&rft.tpages=187