RahmanA., FahmiI., & SaptonoI. T. (2022). Strategy and Business Model Reformulation for Development of Zakat, Infaq, Alms, and Waqf (ZISWAF) (Case Study Bank XYZ, Pekanbaru). Journal of Consumer Sciences, 7(2), 149-168. https://doi.org/10.29244/jcs.7.2.149-168