Oktaviani, I., S. Alaidrus, and S. Siswanto. “The Influence of Qard and Zakat on Profitability of Islamic Banks in Indonesia”. Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE), Vol. 5, no. 1, Jan. 2022, pp. 63-73, doi:10.31538/iijse.v5i1.1968.