Dini Wahyuni, and Abdul Mun'im. “Digital Transformation In Islamic Pawn Services: User Experiences of Pegadaian Syariah Digital Service at Ahmad Yani Branch, Jember”. Kartika: Jurnal Studi Keislaman 6, no. 2 (May 25, 2026): 3204–3215. Accessed June 23, 2026. https://lptnunganjuk.com/ojs/index.php/kartika/article/view/1004.